AI CFO

Your personal AI financial advisor that works entirely on your device — powered by on-device AI. Ask about spending, safe-to-spend, cash-flow forecasts, goal timelines, or financial risks and get instant private answers. No data leaves your iPhone. No cloud subscription required.

How to Use

  1. Open the CFO tab (💬)
  2. Type your question or hold 🎤 to record voice
  3. Get instant answers

What You Can Ask

📊 Spending Analysis

  • "How much did I spend on restaurants this month?"
  • "At this pace, where will groceries land by month end?"
  • "Show my biggest spending spike from this week"
  • "Where does most of my money go?"

💰 Budget Advice

  • "Can I afford a $500 purchase?"
  • "How much can I safely spend this week?"
  • "Am I on track with my food budget?"
  • "What subscriptions or categories should I cut first?"

🎯 Goal Planning

  • "How much should I save monthly to reach my goal?"
  • "When will I reach my vacation goal?"
  • "What if I increase savings by $100?"
  • "Which budget can I trim to fund this goal faster?"

📈 Financial Insights

  • "What's my net worth?"
  • "Will my balance go negative before payday?"
  • "How is my emergency fund?"
  • "What are my financial risks?"

⚠️ Proactive Monitoring

  • "Is my salary late?"
  • "What's my credit utilization right now?"
  • "How much interest will my debt cost this month?"

➕ Quick Add Transactions

  • "Add $45 for groceries at Lidl"
  • "I spent $30 on gas yesterday"
  • "Received salary $2,000"

Voice Input

Hold the microphone button to record — speak naturally and release when done. Live waveform visualization shows your recording in progress. Thrust transcribes automatically using locale-aware speech recognition matching your app language. Perfect for hands-free transaction entry and quick queries on the go.

How the AI Works

Thrust's AI CFO runs entirely on your iPhone with a custom on-device model built for personal finance and forecasting:

On-device AI (iOS 26+)

The on-device AI is optimized for spending analysis, safe-to-spend calculations, cash-flow forecasts, goal projections, and risk detection. Responses are delivered as interactive cards — charts, projected dates, summaries, and action buttons. The AI can open specific screens in the app when you ask for navigation, handles multi-currency finances, and runs fully offline on all supported iPhones after a one-time model download. Once set up, no internet is required and no data leaves your device.

All processing happens on your device — no data is transmitted, and results are never stored in a shared cache or logged externally.

100% Private

✓ On-Device Processing

All AI runs locally on your iPhone

✓ No Cloud

Data never sent to servers

✓ On-Device AI

Custom model built for personal finance

✓ Complete Privacy

Your financial data stays yours

Tips for Best Results

  • Be specific — "How much on coffee this week?" vs "Tell me about coffee"
  • Use natural language — Talk like you would to a friend
  • Have a conversation — Ask follow-up questions
  • Experiment — Try different phrasings

AI CFO vs Cloud AI Assistants

FeatureThrust AI CFOCloud AI (e.g. ChatGPT)
Processing On-device Cloud servers
Privacy Financial data stays on device Data processed on provider servers
Your data access Full access to your transactions Manual input only
Offline Works offline Requires internet