Thrust vs Firer App

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

How soon could you be financially free? Firer is a personal FIRE (Financial Independence, Retire Early) calculator that turns your real financial picture into a clear, actionable timeline. Enter your income, spending, savings, and liabilities, and instantly see when different levels of financial independence become possible for you. Your finances, projected forward Firer takes what you earn, spend, own, and owe -- and projects it into the future with conservative, inflation-adjusted assumptions. No guesswork. No generic advice. Just your numbers, your path. Five FIRE paths, one app Not everyone's version of freedom looks the same. Firer calculates timelines for five distinct strategies so you can find the one that fits your life: Lean FIRE -- Live simply on 50% of your current spending Barista FIRE -- Work part-time and let your investments cover the gap Coast FIRE -- Stop saving aggressively and let compound growth do the work Full FIRE -- Achieve complete financial independence from work Fat FIRE -- Retire with 30% extra for comfort and peace of mind Track your wealth in one place Add detailed assets (investments, property, cash), liabilities (mortgage, loans), income sources, and spending categories. Each asset can have its own expected growth rate for more accurate projections. What makes Firer different Personalized FIRE timelines based on your actual financial data Net worth projection chart showing your path to independence Monthly savings targets to keep you on track All numbers shown in today's dollars -- no inflation confusion Beautiful, minimal interface designed for clarity 100% private -- your data stays on your device Built for clarity, not complexity Firer doesn't try to be a budgeting app or a stock tracker. It answers one question clearly: when can you be free? Set up in under two minutes and see your future unfold on a timeline.