Thrive: Private Finances

Faithful, zero-based budgeting that gives every dollar a job. Now w/ per-child savings, giving goals, and a full budget you can share with your spouse. Private by design.

Be faithful with what you've been given.

Thrive is a zero-based budgeting app built on a simple conviction: the money isn't ultimately ours to hoard — it's ours to steward well. Give every dollar a job, know exactly where you stand, and plan for the people and purposes that matter most.

Budget with clarity • Zero-based budgeting: income minus every job equals zero. • Import bank statements (CSV, OFX/QFX, PDF) or scan email receipts — Thrive categorizes automatically. • Group by parent category, set sinking funds for irregular bills, and match your plan to reality in a tap.

Plan for what's ahead • Emergency fund tracking with a target and a fund-the-gap plan. • Debt payoff with a clear, dated burndown. • Retirement projections from your real holdings. • Children's savings for every account type, with growth projections. • Real estate, mortgage, and equity tracking. • A year-to-date review that answers the questions that matter.

Give on purpose • Set giving goals with a target and a deadline, track every gift, and build it into your budget.

Share it with your spouse • Invite your partner from their own Apple ID to see and edit the same budget — same view, same numbers.

Private by design Your financial data stays on your device and in your private iCloud — synced across your own devices, and shared only with the household member you choose. Never on a Thrive server. No ads, no data brokers, no selling your information.

Free & Premium Budgeting, transactions, giving, emergency fund, debt payoff, and your annual review are free. Premium unlocks the full planning suite — retirement, children's accounts, real estate — and household sharing.

Thrive is for informational and educational purposes and is not personalized financial, investment, or tax advice.

Have a question? Email us — a real person, usually back within a day.

Thrive Premium is an auto-renewing subscription. Payment is charged to your Apple Account at purchase confirmation. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. Terms of Use (EULA): https://beacondigitalsolutionsllc.com/eula Privacy Policy: https://beacondigitalsolutionsllc.com/privacy