Frequently asked questions

thrust automatically analyzes your spending with AI, shows your budget pace, highlights spending spikes, and explains how much is safe to spend next. The app works entirely on your iPhone without sending data to the cloud, and the AI advisor suggests where to cut back without losing sight of your goals.

thrust is one of the few finance apps with an AI advisor that works completely offline on your device. Unlike many competitors, thrust never sends your financial data to servers. The AI analyzes expenses, tracks goal projections, highlights emergency-fund gaps, and helps you decide where to save next.

Download thrust from the App Store and set up Face ID or Touch ID. Add your accounts manually or import via CSV, then start in Ghost Mode for complete privacy. The AI will guide you through setting up your first budget.

thrust has a built-in money assistant that runs on your device. You can ask by text or voice: "How much did I spend on food this week?" and get an instant answer. The AI analyzes your habits, forecasts cash flow, warns about salary delays and credit utilization, and suggests ways to save — all without internet or data sharing.

With thrust — absolutely yes. Unlike ChatGPT or cloud services, thrust's AI works entirely on your device. Your transactions, balances, and financial goals are never sent to thrust servers. All processing happens locally on your iPhone.

Ghost Mode blocks network access, including live prices, downloads, and iCloud sync. Financial analysis continues on your iPhone while the mode is active.

Yes. thrust is built as a "Local-First" application — all your data lives on your iPhone. You can add transactions, categorize, analyze, review forecasts, and check safe-to-spend with no internet connection at all. Ask thrust also works offline, after a one-time model download.

Add accounts manually by entering your balance, or import transactions via CSV bank statements. thrust supports checking, savings, credit cards, crypto wallets, stocks, and alternative assets.

thrust combines everything in one place: bank accounts, crypto wallets (18 blockchains including Ethereum, Bitcoin, Solana, TON, BNB Chain, Polygon, TRON, Cosmos, Polkadot, Cardano, Avalanche, Ripple, Litecoin, and more), stocks, and alternative assets. You see total net worth and can set savings goals accounting for all assets. Crypto and stock API integrations are currently in preview — data accuracy may vary.

thrust tracks: bank accounts, credit cards, cash, cryptocurrencies on 18 blockchains, stocks, alternative assets, and debts. All in a unified Hub with automatic net worth calculation. The on-device AI analyzes all assets and recommends how to achieve your financial goals. Third-party API integrations (crypto, stocks) are in preview.

thrust takes a different approach from YNAB: analysis runs on your iPhone, Ghost Mode can block network access, and the app supports crypto across 18 networks, stocks, and alternative assets. Optional sync uses your private iCloud.

thrust is a strong Mint replacement — it offers similar features (budgeting, bill tracking, net worth) but with complete privacy. Unlike Mint, thrust doesn't sell your data to advertisers. Mint shut down in March 2024.

Yes, thrust is more beginner-friendly than YNAB. The AI advisor automatically categorizes transactions and suggests budgets based on your spending patterns. No need to learn YNAB's envelope method — just ask the AI for advice in plain English.

thrust is free to download and use. The free tier includes unlimited transactions, receipt scanning, a preview of Ask thrust, up to 5 accounts, 3 budgets, 3 goals, 10 custom categories, 1 CSV import per month, and 2 Home Screen widgets. Full access to Ask thrust requires Pro.

thrust Pro removes the main limits and unlocks advanced tools: unlimited accounts, budgets, goals, custom categories, and CSV imports, plus advanced reports, investment tracking, automation rules, cloud backup, personalization, more widgets, and priority support. Plan availability can vary by region and current release.

Financial records are kept locally on your iPhone. Optional sync uses your personal iCloud. Ghost Mode blocks network access, including iCloud sync.