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Thrust vs YNAB: The Private Alternative
YNAB costs $14.99/month and stores your data on their servers. Thrust is free, offline, and private.
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Keep the budgeting discipline, drop the $180/year and the cloud. Your data stays on your iPhone.
Free vs $14.99/month
On-device AI advisor vs no AI
Ghost Mode, no bank login vs cloud storage
Auto-catches subscriptions & cash-flow gaps vs neither
18 crypto chains + stocks & net worth vs none
Everything YNAB does for budgeting — plus an offline AI advisor, subscription tracking, crypto, and real privacy — without the $14.99/month or the bank login.
Thrust vs YNAB: common questions
Is Thrust a good alternative to YNAB?
Everything YNAB does for budgeting — plus an offline AI advisor, subscription tracking, crypto, and real privacy — without the $14.99/month or the bank login.
Does YNAB keep your financial data private and on-device?
No. YNAB relies on cloud servers and bank connections to work. Thrust processes and stores everything on your iPhone — there is no bank login and no Thrust servers, so there is nothing to hack or sell.
Does YNAB work offline?
No. YNAB needs an internet connection to sync your accounts. Thrust works 100% offline — every feature, including the AI CFO, runs on-device with no connection required.
Can YNAB track crypto and stocks?
No. YNAB does not track crypto or stocks. Thrust tracks crypto across 18 blockchains plus stocks, real estate, vehicles, and metals — all in one live net worth.
Is Thrust free, and is YNAB?
YNAB requires a paid subscription. Thrust is free to download, with a usable free tier and optional premium features.
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