Forecast
Plan the next month — and the decades after it
Use the 30-day forecast to avoid near-term cash gaps. The free Life Plan previews the first 10 years. Pro opens the full horizon to the age you choose — 90 by default — for retirement, a home purchase, a child, income changes, windfalls, and major expenses.
iOS 26+ · Free to download
Your balance, projected forward
thrust forecasts the daily balance of each account and draws an aggregated curve across all of them, so you can see where your money is heading rather than only where it has been. The projection is shaped by seasonality, trend, and even the day of the week, because real spending is not flat.
Catch cash gaps before they happen
When the forecast dips toward trouble, thrust flags the cash gap and sorts it by severity, so a minor squeeze and a serious shortfall do not look the same. You get the warning while there is still time to act, instead of finding out when a payment bounces.
Know what is safe to spend
thrust turns the forecast into a 30-day safe-to-spend figure: a clear number for what you can spend now without putting upcoming bills at risk. It answers the everyday question, can I afford this, with a number grounded in your actual cash flow rather than a guess.
Build a Life Plan through retirement
The free Life Plan preview covers the first 10 years. Pro extends the scenario year by year to the age you choose — 90 by default — and shows how retirement and major life events change the plan, with outcome ranges and an estimated probability of reaching your target.
See goals land on the calendar
thrust also projects when a savings goal will be reached, based on your recent contribution pace, so a target stops being an abstract number and becomes a date. You can see whether you are on track and adjust before the deadline, not after.
Ask anything
Just ask, on your iPhone
FAQ
Common questions
How does thrust forecast my cash flow?
thrust projects each account’s daily balance forward and combines them into one curve, shaped by seasonality, trend, and day-of-week patterns in your own spending. It runs on your iPhone using the data already on the device.
What does the safe-to-spend number mean?
It is a 30-day figure for how much you can spend now without putting your upcoming bills at risk. thrust derives it from your projected cash flow, so it reflects your real situation rather than a flat budget.
Will thrust warn me about a cash shortfall?
Yes. When the forecast dips toward trouble, thrust detects the cash gap and ranks it by severity, so you can tell a small squeeze from a serious shortfall and act before a payment is missed.
How far ahead does the forecast look?
The cash-flow forecast covers the next 30 days. The free Life Plan preview covers 10 years. Pro runs to the age you choose — 90 by default — so you can model retirement and other long-term decisions as well as the month ahead.
Does the forecast work offline?
Yes. Forecast calculations run on your iPhone and work offline. Optional sync uses your personal iCloud; Ghost Mode blocks network access.
Can thrust tell me when I will reach a savings goal?
Yes. thrust projects a goal completion date from your recent contribution pace, so you can see whether you are on track to hit a target by its deadline and adjust if you are falling behind.