Compare

Thrust vs the competition

Every other finance app makes you choose: hand over a bank login and your data, or skip the smart features. Thrust refuses the trade-off — full AI guidance, crypto, subscriptions, and net worth, with every number staying on your iPhone.

Download for iPhone

AI

Advice, not just charts

Other apps ship your transactions to a server to "analyze" them. Thrust’s AI runs on your iPhone — ask anything by text or voice and get a real answer instantly, even in airplane mode. Your data never makes the trip.

PRIVACY

Nothing to leak, nothing to sell

Most apps need a bank login and upload everything to their cloud — a honeypot for breaches and ad targeting. Ghost Mode keeps every transaction on your device. There's no server holding your finances, so there's nothing to breach and nothing to sell.

ASSETS

Your whole net worth, one screen

Your bank app shows checking. Your broker shows stocks. Your wallet shows crypto. Thrust shows all of it — accounts, cards, cash, 18 blockchains, stocks, real estate, vehicles, and metals — as one live net worth. YNAB and Mint never even tried.

Feature comparison

Where Thrust pulls ahead

AI & Intelligence
FeatureThrustYNABMint
On-Device AI Advisor
Natural Language Questions
Works 100% Offline
Smart Categorization
AI + custom rules
Rules only
Rules only
Cash-Flow Gap Alerts
30-Day Balance Forecast
Privacy & Security
FeatureThrustYNABMint
Data Stays on Device
No Server Storage
Ghost Mode
No Data Sold to Advertisers
AES-256 Encryption
Biometric Auth
Accounts & Assets
FeatureThrustYNABMint
Account Import
CSV, PDF, Apple Pay & scan
Bank auto-link
Discontinued
No Bank Login Required
Crypto Tracking
18 Chains²
Stock Portfolio
Alternative Assets (vehicles, metals…)
Net Worth Tracking
Multi-Currency (20+)
Limited
Limited
Budgeting & Bills
FeatureThrustYNABMint
Category Budgets
Budget Rollover
AI Budget Suggestions
Subscription Tracker (auto-detect + price-hike alerts)
Goal Tracking
Bill Reminders
More that sets Thrust apart
FeatureThrustYNABMint
Receipt Scanning (OCR)
Voice Entry
Financial Health Score (8 pillars)
Streaks & Achievements
Apple Watch, Widgets & Live Activities
Platform & Pricing
FeatureThrustYNABMint
iOS App
Android App
Discontinued
Web App
Discontinued
Price
Free / $39.99/yr
~$109/yr*
Discontinued
Status
Active
Active
Discontinued

YNAB Alternative

Looking for a YNAB alternative?

YNAB is a well-regarded budgeting tool built around zero-based envelope budgeting. But all your data lives on YNAB's servers — accessible to the company, potentially exposed in a breach, and unavailable offline. There's no on-device AI, no crypto support, and no alternative-asset tracking. Thrust keeps every transaction on your iPhone and adds an AI advisor that answers questions entirely offline.

  • On-device AI advisor answers questions by text or voice, even offline
  • Auto-detects your subscriptions and warns before a price hike
  • Flags cash-flow gaps before a low-balance day hits
  • Data stays on your device, no bank login required (Ghost Mode)
  • Tracks 18 crypto chains, stocks and alternative assets, free to start

Mint Alternative

Mint shut down. Now what?

Intuit shut down Mint in March 2024, pushing users toward Credit Karma. Thrust is the privacy-first alternative. It covers everything Mint did — bank accounts, spending categories, budgets, goals, and net worth — and adds on-device AI with zero data sharing. No ads, no profiling, no data sold.

  • Zero data sold to advertisers — ever
  • All data stays on your device, not servers
  • Built-in AI advisor for financial questions
  • Crypto, stocks, and alternative assets in one place
  • Actively developed with regular updates