Private finance

A private finance app with no bank login

Most money apps ask for your bank password and copy everything to their cloud. Thrust does the opposite. Your accounts, transactions, and balances stay in an encrypted database on your iPhone, and an offline budget mode means your finances can stay entirely on the device.

Download for iPhoneSee features

iOS 26+ · Free to download

No bank login, everNo bank login, ever

No bank login, ever

Thrust never asks for a bank password and never connects to your bank. You add data on your terms: import a CSV or PDF statement, scan a receipt, log Apple Pay purchases, or type a transaction by hand. There is no aggregator in the middle, so there is no third party holding the keys to your accounts.

Local storage by defaultLocal storage by default

Local storage by default

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

Ghost Mode for a fully offline budgetGhost Mode for a fully offline budget

Ghost Mode for a fully offline budget

Turn on Ghost Mode to block network access. Budgets and analysis keep working offline, while live prices, downloads, and iCloud sync pause until you leave the mode.

Backed up without giving up privacyBacked up without giving up privacy

Backed up without giving up privacy

Private does not mean fragile. Your encrypted data syncs through your own iCloud account, so a new iPhone restores everything without any Thrust server ever seeing it. You keep the backup, you keep the control, and the privacy guarantee holds the whole way.

Start freeStart free

Start free

Download free and keep your finances on your iPhone from day one. The free tier covers up to 5 accounts, 3 budgets, and 3 savings goals, with the full privacy model included. Nothing about staying private is locked behind a paywall.

Ask anything

Just ask, on your iPhone

How much did I spend this month?
Where is most of my money going?
Can I afford this purchase right now?
How am I doing against my budget?

FAQ

Common questions

No. Thrust never asks for a bank login and has no sign-up. You add transactions by importing a CSV or PDF statement, scanning a receipt, logging Apple Pay purchases, or entering them by hand. There is no aggregator connecting to your bank.

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

Ghost Mode is a switch that keeps every piece of financial data on your device with no network access at all. With it on, Thrust works as a fully offline budget app, even in airplane mode, because all of its features already run on your iPhone.

Backup runs through your own iCloud account. Your encrypted data restores to a new iPhone without any Thrust server seeing it, so you get a real backup while keeping the privacy guarantee intact.

Most finance apps require a bank login and upload your transactions to their cloud to work. Thrust flips that: no bank login, no server holding your data, and an on-device model that keeps everything private by default.

Yes, to start. The free tier includes up to 5 accounts, 3 budgets, and 3 savings goals, and the entire privacy model is included at no cost. Thrust Pro unlocks higher limits and advanced features.

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