Thrift: Budget & Money Tracker

Thrift is a private expense tracker and budget app that works completely offline. See where your money really goes, without handing your bank logins to anyone.

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.

EXPENSE TRACKING, 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, for travel and for earning abroad
• Instant search, tags, merchant rules and a full audit trail
• Works with cash. No card, no bank account and no internet required

A BUDGET PLANNER THAT ADAPTS
• Simple monthly budgets per category
• Unspent money rolls over instead of vanishing
• See where you're over or under, with clarity instead of guilt
• Built for irregular income, not just a steady monthly salary

UNDERSTAND YOUR SPENDING
• A monthly review: what changed, what it means, what to do
• Clear trends, top movers and cash flow at a glance
• A spending tracker that shows habits, not just totals
• A shareable snapshot of your month

NET WORTH AND INVESTMENT TRACKING
• 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 manager 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
• Biometric app lock, by fingerprint or face
• Your core data makes no network calls. It stays on your device
• Encrypted backups to Google Drive or Files, only when you choose
• No accounts, no bank aggregators, no data brokers. Ever.

WORKS WHERE OTHER BUDGET APPS DON'T
Bank syncing doesn't exist in most of the world. If no app has ever connected to your bank, nothing here is missing for you. Thrift is a personal finance app built for manual entry from the start, in 8 languages and 30+ currencies, offline by default.

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-renewing subscription (monthly or annual), with a 7-day free trial on the annual plan. Payment is charged to your Google Play account at confirmation of purchase. It renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Google Play → Subscriptions.