Features
Everything you need to master your money
Thrust combines proactive AI guidance, military-grade privacy, and beautiful design into one app that works entirely on your device.
Download for iPhoneAI
On-Device AI CFO
Ask anything about your money in plain language — what you spent, what’s safe to spend, when you’ll hit a goal, where you’re at risk — and get an answer instantly. The assistant runs entirely on your iPhone, works offline, and never sends your data anywhere.
PRIVACY
Ghost Mode
Your transactions never leave your iPhone. Flip on Ghost Mode and every outbound network request for financial data is blocked at the system level — balances and budgets stay in an AES-256 encrypted database, protected by Secure Enclave, where nothing can reach a server.
GLOBAL
Multi-Currency Support
Hold money across borders and still see it all in one base currency. Thrust tracks 20+ currencies with live exchange rates and converts automatically — built for travelers, remote workers, and anyone earning or spending abroad.
CRYPTO
Crypto Portfolio
Watch your crypto next to the rest of your money across 18 blockchains — Bitcoin, Ethereum, Solana, TON, BNB Chain, Polygon, TRON, Cosmos, Polkadot, Cardano, Avalanche, Ripple, Litecoin, and more. Balances are read-only via public RPCs; your private keys never touch the app.²
INVEST
Stock Tracking
See your stock positions alongside cash and crypto in one view. Market data comes in via third-party APIs, and cost basis, current value, and total return are calculated on your device.²
ASSETS
Alternative Assets
Count everything you own toward your net worth — vehicles, precious metals, startup equity, loans you’re owed, or any custom asset. Each gets a manual valuation that rolls into your total.
IMPORT
Flexible Import
Bring your history in any way that suits you — import a CSV or PDF bank statement from any bank or brokerage, snap a receipt for instant OCR, auto-log every Apple Pay purchase with a one-time Shortcut, or share a statement straight into Thrust from any app. No bank login required.¹
BUDGET
Smart Budgets
Know before you overspend, not after. Thrust suggests a limit per category, tracks your pace through the month, projects where you’ll land, and warns you before a category goes over.
GOALS
Savings Goals
Set a target and a date, and see exactly when you’ll get there. Thrust projects your finish date from your real contribution pace, and the AI suggests the lowest pace you can sustain to stay on track.
ALERTS
Smart Alerts
Get a heads-up before money problems hit — a late paycheck, a credit-utilization spike, a thinning emergency fund, unusual spending, or a bill about to land. Every alert is computed on your device, never polled from a server.
SECURITY
Bank-Grade Security
Your data is locked with AES-256 encryption — the same cryptography iOS uses for Apple Pay — with keys held in the Secure Enclave and unlocked by Face ID or Touch ID.
SPLIT
Split Transactions
Split one expense across categories, people, or accounts — shared rent, a group dinner, or one card covering two budgets — without reaching for a spreadsheet.
SUBS
Subscriptions on Your Home Screen
Finally see what you pay for every month — and what to cancel. Thrust pins every subscription to your Hub with renewal dates, total monthly cost, and what’s due next, in a card or calendar view. Mark one paid and the next date rolls forward automatically. PRO feature.
HUB
Customizable Hub
Your Hub is the home screen, built your way. Drag to reorder, show or hide subscriptions, budgets, goals, and assets, and pin what matters most to the top. Every card updates in real time and runs entirely on-device.
SUBS
Subscription Auto-Detection
No list to build. Thrust scans your own transaction history for recurring charges, turns each one into a tracked subscription on its own, and even flags a price change when a bill goes up — all on-device, no bank login. PRO feature.
DEBTS
Debt Hub
Keep money you owe and money owed to you in one place. Tap a contact to see every related transaction, settle a balance in one tap, and filter spending by debt.
BILLS
Recurring Payments
Never get surprised by a bill again. Rent, utilities, and subscriptions show up automatically, you get a notification before each charge, and every payment due in the next 30 days is laid out in advance.
ORGANIZE
Smart Tags
Find out what a trip, project, or event actually cost. Attach a custom label like #vacation, #work, or #travel to any transaction, then filter spending by tag across any time period.
LOCATION
Location Categorization
Stop tagging transactions by hand. Thrust learns your regular coffee shops, grocery stores, and gas stations and categorizes by where you spent — no prompting. PRO feature.
REPORTS
Reports & Analytics
See where your money goes and where it’s heading — interactive charts, category comparisons, money-flow diagrams, spending pace, what’s safe to spend, and a 30-day balance forecast. Each metric card shows a clear on-track or watch-it status, and your AI CFO explains the "why" behind it. Export to PDF, CSV, or JSON for your accountant or other tools.
METRICS
Financial Health Score
Know in a single number whether you’re on track. A 0–100 score with an A–F grade and a trend arrow, built from 8 pillars — emergency fund, spending control, budget discipline, debt freedom, savings habit, goal progress, investment growth, and consistency. Your on-device AI CFO explains each pillar and surfaces your top 3 things to fix next. Computed locally, never uploaded.
AUTO
Savings Automation
Keep goal progress up to date without doing the math. Set rules — a fixed percentage of each paycheck, your end-of-month surplus, or a fixed weekly amount — and Thrust credits the right contribution to your goal automatically. It tracks and records your saving; it does not move money between accounts. PRO feature.
GOALS
Goal Milestones
Break a long savings target into stages so progress feels real. Add, remove, or complete a stage and the percentages rebalance themselves — the math always stays right.
VOICE
Voice Commands
Log a transaction, add several in one breath, check a balance, or update a goal just by speaking — “gas 45 and lunch 12” logs both at once, and compound amounts like “forty-five and fifty cents” work too. Live waveform feedback and on-device transcription mean no cloud and no waiting.
WIDGETS
Home Screen Widgets
Check your money without even opening the app — 4 configurable iOS widgets for balances, spending, budget progress, and quick add, plus a Lock Screen widget.
RULES
Smart Rules
Categorize once and never again. Set a condition — "merchant contains Starbucks → Coffee" or "amount > $1000 → Big Purchase" — and Thrust applies it to every matching transaction, forever. PRO feature.
SCAN
Receipt Scanner
Point your camera at any receipt and Thrust reads the amount, merchant, and date for you — review and save in seconds. Import from Photos or PDF too, and split a multi-item receipt into separate transactions in one step. Free.
SEARCH
Smart Search
Find any transaction by just typing what you mean — “over 100”, “under 50”, “=75”, “+500” for income only, “-100” for expenses, “last month”, or a date range like 01/15/26-01/30/26. No menus, no filters to fiddle with. Free.
REWARDS
Finance Gamification
Building good money habits should feel good. Earn XP for every action, level up toward 100, keep a daily streak going up to 365 days, finish Daily Quests, and unlock 50+ achievement keychains across five collectible tiers. All free.
SHARED
Shared Finance
Share accounts, budgets, and goals with a partner over iCloud — just send a share link, no extra account to set up. Hide any account you want kept private with per-account controls. Built for couples who want transparency without giving up personal space. PRO feature.
WATCH
Apple Watch App
A full standalone Apple Watch app — five pages for balance, spending, budgets, goals, and quick add, plus four watch-face complications so your numbers are a glance away. PRO feature.
MAP
Transaction Map
See your spending on a map. Every transaction with a location drops a pin — tap one to open it. Handy for trips, expense reports, and spotting where your money really goes. Free.
TRANSFERS
Transfer Suggestions
Move money between your own accounts and Thrust notices — it spots the matching pair by amount and timing and offers to link them as a transfer, so your books stay clean without double-counting. Free.
LOANS
Loan Amortization
See any loan or mortgage broken down payment by payment — principal, interest, and remaining balance for every month to the finish line. Built in, free.
LEARN
Financial Education
Level up your money knowledge inside the app. Work through track-based lessons with quick quizzes and keep a learning streak going. Free; personalized tracks come with Pro.
NETWORTH
Net Worth
Every asset and liability in one number — cash, savings, crypto, stocks, real estate, vehicles, metals, startup equity, and debts — updated the moment you add a transaction. PRO feature.
Free vs Pro
Know exactly when Pro makes sense
The free tier covers daily tracking with unlimited transactions and receipt scanning. Upgrade when you need the full AI CFO, higher limits, deeper analysis, and less manual work.
FREE
Free covers the essentials
Great if you are getting started or prefer a lightweight setup.
- Unlimited transactions with receipt scanning and AI CFO demo
- Up to 5 accounts, 3 budgets, and 3 goals
- Up to 10 custom categories
- 1 CSV import per month
- Up to 2 Home Screen widgets
PRO
Pro is built for power users
Best when Thrust becomes your main finance system.
- Unlimited accounts, budgets, goals, and custom categories
- Net worth, investment tracking (crypto + stocks), and advanced reports
- Subscription tracker, automation rules, smart rules, and unlimited CSV imports
- Shared Finance with a partner, Apple Watch app, and location categorization
- iCloud sync across your devices (Connected Mode), personalization, and priority support
iOS
Built into your iPhone
Not a cross-platform port. Thrust uses native iOS APIs — widgets on your Home Screen and Lock Screen, Siri Shortcuts for voice commands, and Action Button for instant access.
- Home Screen & Lock Screen widgets
- Action Button — one press to add expense
- Siri Shortcuts for voice automation
- Live Activities & Dynamic Island
- Apple Watch app — 5 pages and 4 complications (Pro)
Widgets
Balances at a glance
See accounts, budgets, and goals on your Home Screen or Lock Screen. Multiple sizes to fit your layout.
Action Button
One press to add expense
Configure iPhone’s hardware button to open Thrust instantly. No unlock, no searching.
Shortcuts
Voice & automation
“Hey Siri, add $4 coffee.” Build custom automations with Apple Shortcuts.
Live Activity
Dynamic Island
Watch a budget’s progress live on your Lock Screen and in the Dynamic Island — spent, limit, and what’s left, color-coded as you go. No unlock needed.
AI
Your AI CFO, on your device
Ask anything in plain English. "Can I afford a $500 purchase?" "If I keep spending like this, where will food land by month end?" "When will I reach my vacation goal?" The AI runs entirely on your iPhone — responses are instant, work offline, and never touch a server. Answers arrive as interactive cards with forecasts, budget pace, safe-to-spend guidance, risk breakdowns, and next-step actions. The AI can open relevant app screens directly, understands multi-currency finances, and grounds every answer in your actual transactions, balances, budgets, and goals.
- Powered by on-device AI
- Works 100% offline — no internet needed
- Budget pace, safe-to-spend, and cash-flow forecasts
- Goal projections and what-if forecast overlays
- Proactive alerts for salary delays, credit risk, and emergency-fund gaps
You asked
"Am I on track with my food budget?"
AI Response
Projected: 115% of budget by month end. You are spending about $18/day vs a target of $15/day.
65% used with 40% of month left
Ghost Mode Active
No data leaves this device
Privacy
Ghost Mode: your data stays yours
Unlike every other finance app, Thrust doesn't have servers holding your data. There's nothing to hack and nothing to sell. Choose Ghost Mode for complete offline isolation — every outbound network request for financial data is blocked at the system level — or Connected Mode to sync across your own devices via iCloud. Your on-device AI works fully in both. Transactions, balances, and spending patterns are stored in an AES-256 encrypted local database protected by the iPhone's Secure Enclave. Thrust cannot see your data. Third parties cannot access it. In Ghost Mode there's no cloud copy at all — delete the app and it's gone.
- Zero data stored on servers
- No third-party analytics or tracking
- AES-256 encryption on device
- Secure Enclave storage
- Face ID / Touch ID protection