# Thrust — The Privacy-First AI CFO

> Thrust is an iOS finance app with an on-device AI CFO powered by GPU-accelerated, on-device inference. Your financial data never leaves your device. Includes safe-to-spend guidance, cash-flow forecasts, budget pace analysis, 20+ currencies, 16+ crypto blockchains, stocks, and alternative assets. Available as a free download with additional premium features in the App Store.

Full content index for LLMs: https://thrust.finance/llms-full.txt

Thrust is the only personal finance app that runs AI analysis entirely on-device with GPU-accelerated inference — no Thrust cloud, no data sharing, no internet required. The app's signature Ghost Mode is the kill switch — transactions never leave the iPhone. Designed for iOS 26+ and built local-first.

Key capabilities:
- On-device AI CFO: natural language queries about your finances, safe-to-spend, cash-flow forecasts, goal timing, and risk signals — all processed locally
- Ghost Mode: complete privacy, no internet required for AI features
- Manual accounts and CSV import
- 16+ crypto blockchains: Bitcoin, Ethereum, Solana, TON, BNB Chain, Polygon, TRON, Cosmos, Polkadot, Cardano, Avalanche, Ripple, Litecoin, and more
- Stocks and alternative-asset tracking
- Unified net worth dashboard
- Budgets, goals, recurring transactions, spending reports, budget pace, and cash-flow forecasts
- Voice input: hold-to-record with live waveform and auto-transcription
- Pricing: Free to download with premium options available in app

App Store: https://apps.apple.com/app/thrust-ai-finance-tracker/id6757976821

## Docs

- [Introduction to Thrust](https://thrust.finance/docs): What Thrust is, core philosophy, privacy model
- [Getting Started](https://thrust.finance/docs/getting-started): Installation, onboarding, first steps
- [How It Works](https://thrust.finance/docs/how-it-works): Architecture, privacy model, data flow
- [Accounts](https://thrust.finance/docs/accounts): Manual accounts, CSV import, Ghost Mode accounts
- [Transactions](https://thrust.finance/docs/transactions): Importing, categorizing, splitting transactions
- [Budgets](https://thrust.finance/docs/budgets): Spending limits, pace tracking, and over-budget projections
- [Goals](https://thrust.finance/docs/goals): Savings goals, projected dates, and what-if planning
- [AI CFO](https://thrust.finance/docs/ai-cfo): On-device AI features, voice queries, safe-to-spend, and forecasts
- [Crypto](https://thrust.finance/docs/crypto): Supported blockchains, wallet connections
- [Stocks](https://thrust.finance/docs/stocks): Stock portfolio tracking
- [Reports](https://thrust.finance/docs/reports): Spending analytics, net worth history

## Learn

- [The 50/30/20 Rule: A Budget That Survives Real Life](https://thrust.finance/learn/50-30-20-budgeting-rule): Splits every paycheck into 50% needs, 30% wants, 20% savings. How to apply it, when to bend it, when to throw it out.
- [Cash Flow vs Net Worth: Why Both Numbers Matter](https://thrust.finance/learn/cash-flow-vs-net-worth): The difference between cash flow and net worth, why tracking both is essential, and how to monitor them.
- [Compound Interest: How Time Turns Small Money Into Real Wealth](https://thrust.finance/learn/compound-interest-explained): The single most important force in personal finance. How it actually works, why time matters more than amount, and what compounding does to debt, savings, and investments.
- [How to Track Your Crypto Portfolio on iPhone](https://thrust.finance/learn/crypto-portfolio-iphone): Practical guide to tracking crypto on iPhone with privacy. Supported chains, DeFi, and why on-device processing matters.
- [Debt Management: Snowball vs Avalanche and Other Repayment Strategies](https://thrust.finance/learn/debt-management-strategies): Compare snowball and avalanche methods, when refinancing makes sense, and a step-by-step plan to become debt-free.
- [Dollar-Cost Averaging: The Boring Strategy That Actually Works](https://thrust.finance/learn/dollar-cost-averaging-guide): The simplest investing strategy ever invented. Why it beats market timing for most people, when it underperforms a lump sum, and how to set it up.
- [Emergency Fund: Why You Need One and How to Build It](https://thrust.finance/learn/emergency-fund-guide): Building a fund that covers 3–6 months of expenses. How to calculate your target, automate savings, and choose the right account.
- [Expense Analysis: A 3-Step Guide to Finding Hidden Spending](https://thrust.finance/learn/expense-analysis-guide): Uncover hidden spending patterns, eliminate wasteful subscriptions, and optimize your budget with a systematic 3-step method.
- [Financial Dashboard: What to Check Every Week in 5 Minutes](https://thrust.finance/learn/financial-dashboard-weekly-review): A weekly review routine that takes 5 minutes and keeps your money on track. Which numbers to check and what they tell you.
- [7 Financial Habits That Actually Build Wealth](https://thrust.finance/learn/financial-habits-build-wealth): Seven proven habits that separate wealth builders from paycheck-to-paycheck earners. Practical steps you can start today.
- [Financial Planning for the Year Ahead: A Practical Framework](https://thrust.finance/learn/financial-planning-year-ahead): Set goals, build a monthly budget using the 50/30/20 rule, and track progress with quarterly reviews.
- [The 4% Rule: How Much You Actually Need to Retire](https://thrust.finance/learn/four-percent-rule-retirement): The simplest answer to the hardest question in personal finance. Where the number comes from, when it works, when it breaks, and how to calculate your own FI number.
- [How to Spot Hidden Subscriptions Draining Your Money](https://thrust.finance/learn/hidden-subscriptions-draining-money): The average person wastes $200+/month on forgotten subscriptions. How to find, evaluate, and cancel them.
- [How Many Months of Expenses You Need in Your Emergency Fund](https://thrust.finance/learn/how-many-months-expenses-emergency-fund): How to size an emergency fund based on income stability, dependents, and expenses — from 3 months for stable W-2 income to 12 months for variable income.
- [Inflation Explained: Why Your Cash Quietly Loses Value](https://thrust.finance/learn/inflation-explained): The silent tax that erodes the purchasing power of every dollar. How it's measured, what it does to cash, stocks, bonds and real estate, and the practical defenses that work.
- [Investing Basics for Beginners: Stocks, Bonds, ETFs Explained](https://thrust.finance/learn/investing-basics-beginners): Beginner's guide. Stocks, bonds, ETFs, dollar-cost averaging, and how to build a simple portfolio. No jargon.
- [Lifestyle Creep: Why Every Raise You Get Feels Invisible](https://thrust.finance/learn/lifestyle-creep-guide): Why your income has doubled but your savings rate hasn't. How to spot lifestyle creep and the specific rules to stop it.
- [Multi-Currency Finance: How to Manage Money Across Countries](https://thrust.finance/learn/multi-currency-finance-guide): Strategies for tracking, converting, and optimizing money across different currencies and countries.
- [Pay Yourself First: The Rule Behind Every Budget That Actually Works](https://thrust.finance/learn/pay-yourself-first): Move savings out before any other spending happens. How to do it, how much to move, and why order matters more than amount.
- [How to Create a Personal Budget: A Step-by-Step Guide](https://thrust.finance/learn/personal-budget-guide): Income tracking, expense categorization, the 50/30/20 rule, zero-based budgeting, and weekly monitoring habits.
- [How to Save for a Major Purchase Without Derailing Your Budget](https://thrust.finance/learn/saving-for-major-purchase): A 3-step framework: define your target, automate contributions, track progress. Works for cars, vacations, down payments.
- [Savings Rate: The One Number That Predicts Your Financial Future](https://thrust.finance/learn/savings-rate-guide): The single most important personal finance metric — more important than income. How to calculate it and what predicts your years to financial independence.
- [Sinking Funds: The Saving Strategy That Prevents Budget Blowouts](https://thrust.finance/learn/sinking-funds-guide): Save small amounts monthly for predictable irregular expenses — car repairs, insurance, annual subscriptions — so they never wreck your budget.
- [How to Track Apple Pay Purchases on iPhone Privately](https://thrust.finance/learn/track-apple-pay-purchases-iphone): Track every Apple Pay tap automatically with on-device processing. No bank linking, no data sharing.
- [How to Track Expenses Without Sharing Your Data](https://thrust.finance/learn/track-expenses-privately): Most finance apps monetize your transaction data. How to track expenses with full privacy using on-device processing.
- [YNAB vs Mint vs Thrust: Honest Comparison 2026](https://thrust.finance/learn/ynab-vs-mint-vs-thrust): Detailed comparison across pricing, privacy, features, AI capabilities, and platform support.

## Optional

- [Features](https://thrust.finance/features): Full feature list and screenshots
- [FAQ](https://thrust.finance/faq): Frequently asked questions about privacy, pricing, banks, crypto
- [Compare](https://thrust.finance/compare): Thrust vs YNAB, Mint, and other finance apps
- [Privacy Policy](https://thrust.finance/privacy): Data handling, Ghost Mode details, GDPR compliance
- [GDPR](https://thrust.finance/gdpr): GDPR rights and data deletion
- [Terms of Service](https://thrust.finance/terms): Terms and conditions