CentsCheck vs Thrust

Confucius said: "He who will not economize will have to agonize." CentsCheck revives that ancient wisdom: simple, private spend tracking that helps you take control. Log transactions in seconds. Spot patterns, set limits, and let small, mindful choices add up — all privately, offline-first, with optional cloud sync that encrypts your personal spending fields on your device. Why Choose CentsCheck? 1. Safe-to-Spend — Completely Free See exactly how much you can spend today (or this week) without breaking your budget, calculated from your real income, fixed bills, and what's already spent. Forecast-to-payday shows where you'll land — and a tap opens the actual math, line by line. No guesswork, no paywall. 2. Quick, Frictionless Entry Floating action button, smart calculator input, snap receipts to auto-fill, notes, and one-tap categorization. Log from your iPhone, your Apple Watch, a Home Screen widget — or just ask Siri. 3. Categories That Fit Your Life Carefully chosen starter categories, plus room for your own. Pro unlocks up to 40 expense, 15 income, and 15 investment categories with full renaming, archiving, and editing. 4. Flexible Budgets & Savings Goals Set budgets per category, mark Fixed and One-time bills so they don't skew your daily pace, and track progress with clean bars. Pro users create up to 15 savings goals (vs. 3 free). 5. Pools: Shared Expenses Done Fairly Split costs with friends, roommates, partners, or trips. Easy invite codes, real-time balances, pool Safe-to-Spend, and automatic personal budget sync. Equal and exact splits are free; percentage and share splits, settlements, and pool budgets come with Pro. Join unlimited pools free. 6. CentsCheck Business — Your Small-Business Cockpit A separate plan for freelancers and small teams: revenue, expenses, and profit at a glance, per-client P&L, invoice tracking with due-date reminders, custom fiscal year, profit set-aside and distributions, and a Business Pack export (P&L PDF, CSV, receipts) your accountant can use as-is. Runs on your iPhone and the web cockpit at app.centscheck.com. 7. Money Briefs & Clear Insights — No Fluff Spending trends, category breakdowns, unusual-spending alerts, and Money Briefs delivered as private notifications. Free users get monthly summaries; Pro gets weekly briefs and shareable reports. 8. CentsCheck AI Link — Your Finance Assistant Connect the AI assistant you already use, such as ChatGPT or Claude. Asking questions is free and unlimited; logging and fixing transactions includes 25 free actions a month, unlimited with Pro. Your AI can propose budget plans, and nothing changes until you approve it in the app. You grant access, every action is logged, and anything can be undone. 9. Investment Portfolio (Pro) Track stocks, ETFs, and crypto with current market prices, integrated with transaction logging and your cashflow chart. 10. Private by Design Your data stays on your device. Optional Apple/Google sign-in adds cloud backup and sync, with your personal spending fields encrypted on your device before they upload. No ads, no data selling. No forced subscriptions. No data sold. Honest tools to spend smarter today and grow mindfully for tomorrow. Subscription terms CentsCheck Pro: US$4.99/month or US$34.99/year. CentsCheck Business: US$6.99/month or US$59.99/year. All four auto-renew. CentsCheck Pro Lifetime is a one-time purchase that never renews. New Pro monthly subscribers get a 7-day free trial; any unused part of a trial is forfeited on purchase. Prices are in US dollars and vary by region — your local price is shown before you buy. Payment is charged to your Apple Account at confirmation, and a subscription renews unless auto-renew is turned off at least 24 hours before the period ends. Manage or cancel anytime in Settings > Apple Account > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://centscheck.com/privacy

Most people can't answer a simple question: what do I actually own right now? The money's scattered. Current account here, savings there, a bit of crypto, some shares, the flat, the car you'd sell if things got tight. Six apps and a spreadsheet, and the spreadsheet is four months stale. Thrust puts all of it on one screen and then tells you what to do about it. EVERYTHING YOU OWN, IN ONE NUMBER Cash and cards across 20+ currencies with live rates. Crypto held on-chain. Stocks and ETFs (via third-party APIs, currently in preview — prices may be delayed). Property. And the long tail nothing else takes seriously: the car, the gold, the loan to your brother, the stake in a friend's company. Everything converts into one real net worth figure. If you earn in one currency and spend in another, the conversion is handled for you, including in budgets. AND THEN, WHAT TO DO NEXT Other apps show what already happened. Thrust shows what's next. Safe to Spend is one number that answers whether today's purchase is fine. Not a category breakdown you have to interpret — the answer. Budgets track their own pace, project where the month actually lands, and warn you about a cash-flow squeeze while there's still time to do something. AI CFO answers questions in plain English. How long until I hit the deposit? What's changed since last month? Can I afford this? It works with no signal at all, on a plane, in a tunnel, anywhere. GETTING DATA IN, WITHOUT THE CHORE Apple Pay purchases land on their own. Hold the mic and say what you spent. Photograph a receipt. Import a CSV, and Thrust helps untangle the formatting. Or type it in. Rules file things automatically, so your iced matcha lands in Coffee instead of sitting in “misc” forever, and Smart Tags cut across categories when you want a whole trip in one place. AT A GLANCE Nine Home Screen widgets — net worth, balances, safe to spend, spending chart, budget progress, goals, upcoming bills, streak and quick add. A Lock Screen widget. Live Activities while you're out spending. Complications on Apple Watch. THE PART THAT ISN'T NEGOTIABLE Every calculation runs on your iPhone. Not on a server that happens to be encrypted — on your phone. Your amounts and transactions are never sent anywhere. There's no bank login and no aggregator, because there's nothing to connect. Nothing to breach, nothing to sell, no analytics SDK riding along on your financial data. Ghost Mode is the kill switch: flip it and all outgoing traffic stops. iCloud backup is encrypted and yours to control. The architecture isn't a compromise we're working around. It's the reason the app exists. TRY IT WITHOUT COMMITTING Demo Mode fills the app with realistic data so you can look around before you type in a single real number. Built by one person, in the EU, in the open. 12 languages. iPhone on iOS 26 and newer, plus iPad and Mac. Terms of Use (EULA): https://www.thrust.finance/terms Privacy Policy: https://www.thrust.finance/privacy