Budgeting

Budgeting that stays on your iPhone

Set a budget for every category, watch it update as you spend, and roll over what you do not use — all calculated on your device, with no bank login and no account.

Download for iPhoneSee features

iOS 26+ · Free to download

Category budgets that fit how you live

Category budgets that fit how you live

Give every part of your life its own budget — groceries, rent, eating out, travel — and Thrust tracks each one against real spending. Set monthly limits, see how much is left at a glance, and adjust whenever life changes.

Roll over what you do not spendRoll over what you do not spend

Roll over what you do not spend

Underspent your dining budget this month? Roll the remainder forward instead of losing it. Thrust carries unused amounts into the next period, so a careful month actually pays off later.

Real-time pace, not month-end surprisesReal-time pace, not month-end surprises

Real-time pace, not month-end surprises

Thrust shows your budget pace as the month goes — whether you are on track, ahead, or about to overshoot — so you can course-correct early. Every calculation runs on your iPhone, offline.

No bank login, fully private

No bank login, fully private

Add transactions by importing a CSV, scanning a receipt, logging Apple Pay, or by hand. Your budgets and spending live in an AES-256 encrypted database on your device, and Ghost Mode keeps everything offline.

Ask anything

Just ask, on your iPhone

How much is left in my budget this month?
Which category am I overspending in?
Am I on track to stay within budget?
How much did I roll over this month?

FAQ

Common questions

Yes. Thrust lets you set a budget for each spending category and tracks every transaction against it, with a clear view of how much is left. Budgeting more categories is part of Thrust Pro.

Yes. Thrust can carry the amount you did not spend in a category into the next period, so disciplined months build a cushion instead of resetting to zero.

No. Thrust never asks for a bank login. You add transactions by importing a CSV or PDF, scanning a receipt, logging Apple Pay, or entering them by hand, and budgets update from there on your device.

The free tier includes up to 3 budgets, 5 accounts, and 3 savings goals. Thrust Pro raises these limits for more detailed budgeting.

Yes. Thrust tracks 20+ currencies and converts spending into your base currency, so budgets stay accurate even when you spend across borders.

Completely. Budgets and transactions are stored in an AES-256 encrypted database on your iPhone, protected by the Secure Enclave. With Ghost Mode on, nothing leaves the device.

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