Free vs Pro
Thrust is genuinely usable for free. Pro is for people who want higher limits, deeper analytics, and less manual work.
How pricing works
Thrust is free to download and keep using. The free tier covers daily expense tracking, unlimited transactions, and receipt scanning. Pro removes the main limits and unlocks the full AI CFO, advanced workflows, and deeper analytics for people who want to run their whole financial system in Thrust.
Free is enough if…
The free tier is designed to be useful, not just a demo.
- You want unlimited transaction tracking with receipt scanning
- You manage up to 5 accounts, 3 budgets, and 3 goals
- You only need up to 10 custom categories
- You import CSV occasionally — 1 free CSV import per month
- You use up to 2 Home Screen widgets
Pro is worth it if…
Upgrade when Thrust becomes your main money system and you need more headroom.
- Unlimited accounts, budgets, goals, and custom categories
- Unlimited CSV imports for migrations or regular statement imports
- Advanced reports and deeper analytics
- Investment and net worth tracking in the same private dashboard
- Automation rules and smart rules that reduce manual cleanup
- Cloud backup, more widgets, personalization, and priority support
Free vs Pro at a glance
| Feature | Free | Pro |
|---|---|---|
| Transactions | Unlimited | Unlimited |
| AI CFO | Demo only | Full access |
| Receipt scanning | Included | Included |
| Accounts | 5 | Unlimited |
| Budgets | 3 | Unlimited |
| Goals | 3 | Unlimited |
| Custom categories | 10 | Unlimited |
| CSV imports / month | 1 | Unlimited |
| Home Screen widgets | 2 | All widgets |
| Advanced reports | — | Included |
| Investment tracking | — | Included |
| Automation rules | — | Included |
| Smart rules | — | Included |
| Cloud backup | — | Included |
| Personalization | — | Included |
| Priority support | — | Included |
Plan types, pricing, and some premium capabilities can vary by region, release, and privacy mode. Check the current App Store paywall on your device for the exact offer.
Common questions
Do I need Pro to use Thrust seriously?
No. Many people can stay on the free tier if they want daily tracking, AI guidance, and a few accounts, budgets, and goals. Pro mainly helps once you outgrow the limits or want advanced workflows.
Does the free tier include AI CFO?
The free tier includes a preview of AI CFO with example conversations. Full access to the AI CFO — including personalized spending analysis, safe-to-spend, forecasts, and goal planning — requires Pro.
Why would I upgrade?
Upgrade when you want Thrust to replace multiple tools: more accounts, more imports, deeper reporting, investment visibility, and automation in one private app.
Need more than the free tier?
Explore the full feature set on the site or open Thrust on your iPhone to check the current Pro offer in the App Store.
Explore all features →