Thrust vs Capventory

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

Capventory is a private journal of your net worth. Everything you own and everything you owe — bank accounts, cash, deposits, gold, a flat, a car, a mortgage — in one figure you update in minutes. • Manual: you record what a thing is worth today, not every transaction. • Complete: 19 kinds of asset and liability, 63 currencies, one total. • Private: no account, no bank connections, nothing leaves your phone. • Yours: a backup file and a spreadsheet export that open anywhere. • Free: no ads, no subscription, nothing to buy inside. HOW IT WORKS Add a position for every asset worth remembering, and save what it is worth on a chosen day. Several positions can be updated at once under one date — that is the whole ritual, and it takes a few minutes a month. Capventory converts every currency into the one you chose as your main one, and shows your assets, your debts, your net worth, and how they changed. WHY THERE ARE NO TRANSACTIONS You are never asked for trades, purchase prices or receipts. Each position asks one question: what is it worth now. That is what keeps updating your assets this fast. WHAT YOU GET • Assets and liabilities in one net worth, shown in any of 63 currencies • 19 kinds of position: accounts, cash, deposits, investments, brokerage, bonds, crypto, precious metals, collectibles, jewellery, property, vehicles, business, cards, loans, mortgages, private debt • Exchange rates for the day you chose, with their source shown — or entered by hand • The history of your capital and of every position, with corrections to the past • Structure by category, by currency, and by a label you invent yourself • An optional expected annual rate, and an optional inflation adjustment that changes labels only and never your figures • Several portfolios, each with its own currency and history • A backup file, and a spreadsheet that opens in Numbers, Excel or Google Sheets • Face ID lock and update reminders HONEST DATA When no rate was published for a day, Capventory says the total is partial and names what is missing. It will not carry yesterday's rate forward to make a figure look complete. WHAT IT DOES NOT DO No bank connections, no statements, no reading of your messages. No transactions, budgets or spending categories. No market quotes for property, cars or crypto — those values are yours to set. No account, no cloud, no ads, and nothing to buy inside. Questions and requests: support@capventory.com Privacy: https://capventory.com/privacy