Ask Thrift, anything
Conversational AI that reads your real ledger — “How much did I spend on coffee in March?”, “What can I cut to save €200?”. Answers in seconds, with the numbers to back them up.
The privacy-first budgeting app your whole audience has been waiting for. Zero servers. Zero accounts. Just beautiful, local-first finance.
Conversational AI that reads your real ledger — “How much did I spend on coffee in March?”, “What can I cut to save €200?”. Answers in seconds, with the numbers to back them up.
Old-school cash budgeting, modern interface. Move money between envelopes with one tap.
Goals with monthly auto-sweeps and round-ups. Watch the bar fill, week after week.
Slide a what-if and see your year-end balance recompute in real time.
Every recurring charge surfaced, ranked, ready to cancel.
Quiet weekly summaries and anomaly nudges — never spammy.
Production-ready React + TypeScript app with 40+ passing tests, clean architecture, and zero boilerplate.
No backend infrastructure to rent, secure, or maintain. Your buyers' data stays on their device.
Conversational ledger search, receipt OCR, and weekly summaries — all wired and ready to go.
A dark, editorial UI with micro-animations, social proof, and pricing — proven to drive signups.
Every transaction, envelope and goal lives in your browser. No accounts, no clouds, no “anonymous analytics”. The AI features call our gateway only with the snippet you ask about — nothing more.
“The first budgeting app I’ve actually wanted to open on a Sunday morning.”
Finally deleted YNAB. Thrift does everything I need without the subscription.
The envelope system + AI assistant is genuinely magical. Took 10 minutes to set up.
Zero data leaves my device. For a finance app that’s not a nice-to-have, it’s essential.
The forecasts changed how I plan. I can finally see months ahead with confidence.
In your browser only (IndexedDB / localStorage). Nothing is uploaded unless you explicitly use an AI feature, in which case only the relevant snippet is sent.
Yes — drop in a CSV or take a photo of a receipt. The AI extracts merchant, amount, date and category.
Export to CSV or JSON anytime from Settings. We recommend a monthly backup.
Thrift installs as a PWA — add to home screen and it behaves like a native app, offline included.
Two minutes to set up. A lifetime of cleaner finances.
Open Thrift