Thrift: Budget & Money Tracker

Your money, understood. And completely private. Track by voice or receipt, budget with rollover, watch your net worth grow. No bank logins. No ads. No tracking.

See where your money really goes, without handing your bank logins to anyone.

Thrift is a calm, private money tracker for people who want to understand their spending and quietly build wealth. No bank connections, no ads, no tracking. Your financial data stays encrypted on your device, and you decide if and where it is ever backed up.

Manual entry isn't a chore here. It's the point. The two seconds it takes to log a coffee is the moment you actually notice it. And logging is easy: speak it, snap the receipt, or tap it in.

TRACK, YOUR WAY • Log expenses by voice or receipt scan, processed on your device • Income, expenses and transfers, with double-entry accuracy • Recurring bills and paychecks that log themselves • 30+ currencies with live conversion • Instant search, tags, merchant rules and a full audit trail

BUDGETS THAT ADAPT • Simple monthly budgets per category • Unspent money rolls over instead of vanishing • See where you're over or under, with clarity instead of guilt

UNDERSTAND YOUR MONEY • A monthly review: what changed, what it means, what to do • Clear trends, top movers and cash flow at a glance • A shareable snapshot of your month

BUILD REAL WEALTH • Net worth tracked across every account, over time • Investment tracking with XIRR, allocation and auto-invest • A Financial Independence tracker with your FI number and Coast FI • Savings goals and a debt payoff planner (snowball or avalanche)

PRIVATE BY DESIGN Most money apps connect to your bank and read every transaction. Thrift never does. You choose what goes in. • SQLCipher encryption at rest, with the key held in your device's secure hardware • Face ID / Touch ID lock • Your core data makes no network calls. It stays on your device • Encrypted backups to iCloud or Files, only when you choose • No accounts, no bank aggregators, no data brokers. Ever.

NO ADS. NOTHING SOLD. Most "free" finance apps make money from your data. Thrift can't, because we never have it. Gold is a simple subscription that keeps the app independent and ad-free, at a fraction of what the bank-syncing apps charge.

THRIFT GOLD Thrift is free to track and budget. Gold unlocks the full wealth suite: net worth history and allocation, investments, the FI tracker, debt payoff, budget rollover, auto-invest, merchant rule automation, your yearly review, and optional investment broker import (brokerages and crypto exchanges, never your bank). One subscription, monthly or annual, with a 7-day free trial on the annual plan.

Money is complicated. Understanding it shouldn't be. Thrift helps you build awareness first and wealth second, while keeping your financial life private. Download Thrift and start seeing your money clearly.

Terms of Use (EULA): https://fintrail.net/thrift/terms Privacy Policy: https://fintrail.net/thrift/privacy Thrift Gold is an auto-renewable subscription (monthly or annual), with a 7-day free trial on the annual plan. Payment is charged to your Apple Account at purchase; it renews automatically unless canceled at least 24 hours before the period ends. Manage or cancel anytime in your Apple Account settings.