See every
subscription
in one place.
And nothing ever leaves your iPhone.
Thrust finds your recurring charges, shows what’s safe to spend, and forecasts your month — every number calculated on your iPhone, never on a server.
Featured
Your transactions
stay on your iPhone.
Ghost Mode is the kill switch.
Explore features On-device AI CFO
On-device AI for spending analysis, budget pace, goal projections, and risk alerts. Works fully offline.
Ghost Mode
Your transactions never leave your iPhone. Ghost Mode is the kill switch — no network requests for your financial data.
Home Screen Widgets
4 Home Screen widgets (balance, spending chart, budget progress, quick add) plus Lock Screen — instant finance checks without opening the app.
Thrust makes finance private
Inside the app
Everything your money needs, nothing it doesn’t.
Subscriptions
Every subscription, on your home screen
Thrust spots recurring charges on your iPhone and pins them to your Hub — renewal dates, total monthly cost, and what’s due next. No bank login, so nothing leaves your phone.
- See every subscription at a glance
- Renewal dates + total monthly cost
- Detected on-device — no bank login
Hub
Your Hub, built your way
Drag to reorder, show or hide, and pin the sections that matter — subscriptions, budgets, goals, assets. Your financial home screen, exactly how you want it.
- Drag to reorder sections
- Show, hide, and pin what matters
- Updates in real time, on-device
Analytics
Metrics you actually understand
Net worth, safe-to-spend, savings rate, 30-day forecast — each with a clear on-track status and a plain-language “why” from your on-device CFO.
- Know what’s on track at a glance
- Tap any metric for the “why”
- Forecasts and savings rate built in
Categories
See where your money goes
Every transaction is sorted into clear categories with counts and trends — search any merchant or category instantly. No manual tagging, no spreadsheets.
- Auto-categorized spending
- Counts and trends per category
- Instant search
Transactions
Never miss a payment
See upcoming bills and recurring payments for the next two weeks alongside your latest transactions — so renewals never sneak up on you.
- Upcoming bills + renewals
- Latest transactions in one feed
- Multi-currency ready
Other apps sell your transactions to advertisers. We don't even receive them.
Mint sold purchase data to Intuit for targeted advertising — and shut down. Most finance apps still work the same way: your transactions on their servers = their asset.
Thrust processes all financial data on your iPhone. We have no access to your transactions, accounts, or budgets — they exist only on your device. Nothing to sell, nothing to hack, nothing to trade.
Compare with YNAB and MintCommon questions
Quick answers
What is the best private finance app?
Thrust is one of the few finance apps with Ghost Mode — your transactions stay on your iPhone. No tracking, no data sold to advertisers.
Can Thrust track my subscriptions?
Yes. Thrust detects recurring charges on-device and puts every subscription on your Hub home screen — with renewal dates and total monthly cost. No bank login required, so your data never leaves your iPhone.
Does Thrust work offline?
Yes. Thrust's AI runs entirely on-device. You can track spending, review forecasts, and check safe-to-spend without internet.
Is Thrust a good YNAB alternative?
Yes. Unlike YNAB, Thrust keeps data on your device, adds on-device AI budgeting, and supports 18 crypto chains, stocks, and alternative assets.
What's the best Mint replacement?
Thrust is a strong Mint alternative — similar features without selling your data to advertisers. Mint shut down in March 2024.