Thrust vs Budge

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

Budge is the expense tracker that thinks for you. No spreadsheets, no forms, no complicated setup. Just type what you spent in plain language — or say it out loud — and let AI handle the rest. DIARY-STYLE TRACKING Write your expenses the way you'd text a friend. Type "Coffee with Sara 4.50" or "Uber home 18" and Budge instantly recognizes the amount, assigns the right category, and logs it. One line per expense, one tap to confirm your day. VOICE INPUT Hands full? Hold the mic button and speak your expense. Budge transcribes, categorizes, and saves — all in real time. Perfect for when you're driving, cooking, or carrying groceries. LIVE CURRENCY CONVERSION Traveling abroad? Type expenses in any currency — yen, pounds, dollars — and Budge converts them to your home currency using live exchange rates. See both the original and converted amount at a glance. Supports 30+ currencies. SPLIT EXPENSES WITH FRIENDS Create groups for trips, dinners, or shared living. Budge tracks who paid what, calculates the smartest way to settle up, and shows clear suggested payments. No more awkward money conversations. SMART ANALYTICS See where your money goes with clear monthly breakdowns. Track income vs. expenses, monitor your savings rate, compare month over month, and discover your top spending categories. Charts that actually make sense. AI-POWERED CATEGORIZATION Budge uses an advanced language model to understand your expenses in context. It reads merchant names, amounts, and keywords to assign categories automatically — usually in under a second. WHY BUDGE? Most budgeting apps feel like doing taxes. Budge feels like writing in a diary. There are no dropdowns, no setup wizards, no bank connections required. You control every piece of data. Free to start: 20 transactions/month at no cost Budge Pro: unlimited tracking with a simple subscription Your data is encrypted and never shared with third parties Download Budge and take control of your finances in under 5 seconds. Privacy Policy: https://budge-legal.netlify.app/privacy.html Terms of Use : https://budge-legal.netlify.app/terms.html