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Features overview

Thrust offers a comprehensive solution for personal finance management. This page provides an overview of all available features and how to use them.

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Core modules

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💸 Transactions

Track every dollar that comes in or goes out. What you can do:

• Add expenses - Record purchases, bills, and spending
• Log income - Track salary, freelance payments, gifts
• Transfer between accounts - Move money without affecting totals
• Scan receipts - Use your camera to capture transaction details automatically
• Split transactions - Divide a single purchase across multiple categories
• Set up recurring payments - Automate rent, subscriptions, and regular bills
• Add tags - Organize transactions with custom labels
• Attach locations - See where you spent money on a map

How it works:

• Tap + to add a transaction
• Enter amount, category, and account
• AI automatically suggests categories based on your history
• Duplicate transactions are detected and flagged
• All transactions support multiple currencies

Example use case: You buy groceries for 85. Scan the receipt with your camera, and Thrust automatically extracts the amount, date, and merchant. It suggests "Food & Dining" category. You can split it: 60 for groceries, $25 for household items.

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🏦 Accounts

Manage all your financial accounts in one place. Available account types: How to use:

1. Tap + on Accounts screen
2. Choose account type
3. Enter name, starting balance, and currency
4. Track transactions against each account

Example: Create a “Main Checking” cash account with $2,500 balance. Add a "Chase Sapphire" credit card with$5,000 limit. As you spend, balances update automatically. The credit card shows utilization percentage and suggests optimal payoff strategies.

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🔗 Bank synchronization

Connect your bank accounts for automatic updates. What it does:

• Syncs transactions automatically from your bank
• Updates account balances in real-time
• Supports 100+ European banks via GoCardless PSD2
• Detects and prevents duplicate transactions

How to connect:

1. Go to Settings → Bank Connections
2. Search for your bank
3. Authorize access through your bank’s secure login
4. Select which accounts to sync
5. Transactions appear automatically

Example: Connect your Deutsche Bank checking account. Every morning, new transactions from yesterday appear in Thrust automatically. Your morning coffee purchase, lunch, and evening grocery run are all categorized and ready to review.

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💎 Cryptocurrencies

Track your crypto portfolio across multiple blockchains. Supported networks:

• EVM chains - Ethereum, BSC, Polygon, Arbitrum, Optimism
• Solana - SOL and SPL tokens
• TON - Telegram Open Network
• TRON - TRX and TRC tokens
• Bitcoin - BTC tracking
• Cosmos - ATOM and IBC tokens
• Polkadot - DOT and parachains

What you can do:

• Add wallet addresses to track balances
• See all tokens across all chains in one view
• Real-time price updates from CoinGecko
• Calculate total portfolio value
• Track transaction history
• View profit/loss for each position

How to use:

1. Go to Crypto tab
2. Tap Add Wallet
3. Select blockchain
4. Paste your wallet address
5. View your tokens and balances automatically

Example: Add your Ethereum address. Thrust shows you have 0.5 ETH, 1000 USDC, and 50 UNI tokens. Total value: $2,847. You can see your Solana wallet separately with SOL and various SPL tokens. Everything updates in real-time as prices change.

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📊 Stocks

Monitor your stock investments and track performance. Features:

• Search any stock by ticker symbol (AAPL, TSLA, GOOGL, etc.)
• Track number of shares and purchase price
• See current value and profit/loss
• Real-time price updates from Yahoo Finance
• View latest company news
• Calculate portfolio returns

How to use:

1. Go to Stocks tab
2. Tap Add Position
3. Search for stock ticker
4. Enter shares owned and purchase price
5. Track performance over time

Example: You bought 10 shares of Apple (AAPL) at $150 each ($1,500 total). Current price is $175. Thrust shows your position is worth$1,750 with a $250 profit (+16.7% gain). You can see recent Apple news and price charts.

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📋 Budgets

Set spending limits and stay on track. What you can do:

• Create budgets for any spending category
• Choose time period: weekly, monthly, yearly, or custom
• Set soft limits (warnings) or hard limits (strict)
• Enable rollover to carry unused budget to next period
• Get real-time alerts when approaching limits
• Share budgets with family members

How it works:

1. Tap Budgets tab
2. Create budget for a category (e.g., “Dining Out”)
3. Set amount (e.g., $400/month)
4. Choose alert threshold (e.g., notify at 80%)
5. Track spending against budget automatically

Visual indicators:

• 🟢 Green - Under 70% spent (you’re doing great)
• 🟡 Yellow - 70-90% spent (watch your spending)
• 🔴 Red - Over 90% or exceeded (slow down)

Example: Set a $500 monthly grocery budget. By mid-month, you've spent$320 (64%). The progress bar is green. At $400 (80$500, the budget turns red and you receive an alert. With rollover enabled, if you only spend $450, the extra$50 carries to next month.

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🎯 Goals and savings

Save for what matters with smart automation. Create goals for anything:

• Vacation fund
• Emergency savings
• Down payment on a house
• New car
• Holiday gifts
• Debt payoff

How to set up:

1. Go to Goals tab
2. Create new goal with target amount and date
3. Add manual contributions or set up automation
4. Track progress with visual indicators
5. Get forecasts for completion date

Automation triggers: Save money automatically based on rules you set: Example: Goal: Save $3,000 for vacation by December. Current:$800 saved. Set up automation: “Save 10% of income” + “Round-up on all purchases”. You earn $2,000 →$200 goes to goal. You spend $23.50 →$0.50 rounds up to goal. Thrust forecasts you’ll reach your goal by November at this pace.

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🤖 AI CFO

Your personal financial advisor powered by on-device AI. What you can ask: Spending questions:

• “How much did I spend on restaurants this month?”
• “What’s my biggest expense category?”
• “Show me unusual spending patterns”

Budget advice:

• “Can I afford a $500 purchase?”
• “How much can I safely spend this week?”
• “Am I on track with my budgets?”

Goal planning:

• “When will I reach my vacation fund goal?”
• “How much should I save monthly?”
• “What if I increase savings by $100?”

Financial insights:

• “What’s my net worth?”
• “Give me a summary of this month”
• “How is my financial health?”

Quick transaction entry:

• “Add $45 for groceries at Whole Foods”
• “I spent 30 euros on gas yesterday”

How it works:

• Tap AI CFO tab
• Type or speak your question
• Get instant, personalized answers
• Have multi-turn conversations
• All processing happens on your device (private)

Example conversation:

• You: “How much did I spend on food this month?”
• AI: “You spent $487 on food this month, which is 12$400 budget. Your biggest expense was $85 at Whole Foods on the 15th.”
• You: “Can I afford to spend $100 on dinner tonight?”
• AI: “You have $213 left in your dining budget for the next 8 days. A$100 dinner would leave you $113 for the rest of the month, or about$14 per day. It’s doable but tight.”

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📊 Reports and analytics

Understand your financial picture with powerful insights. Available reports: Net Worth

• Total assets (cash, investments, crypto, property)
• Total liabilities (credit cards, loans, debts)
• Net worth trend over time
• Asset allocation breakdown

Cash Flow

• Income vs. expenses by month
• Category-level breakdown
• Identify surplus or deficit
• Trend analysis

Spending Insights

• Top spending categories
• Merchant analysis
• Day-of-week patterns
• Unusual spending alerts
• Month-over-month comparisons

Trends

• Historical patterns
• Seasonal variations
• Category trends
• Account balance trends

Forecasting

• Predict future balances
• Budget burn rate projections
• Goal completion estimates
• Savings trajectory

Profit & Loss (P&L)

• Investment performance
• Crypto portfolio gains/losses
• Stock position returns
• Overall portfolio health

Risk Analysis

• Spending volatility
• Budget risk assessment
• Debt-to-income ratio
• Emergency fund adequacy

What-If Scenarios

• “What if I save $200 more per month?”
• “What if I cut dining spending by 20%?”
• “What if I pay extra on my loan?”

How to access: Go to Analytics tab and choose any report. All charts are interactive - tap to see details, swipe to change time periods, and export to PDF or CSV. Example: Your Net Worth report shows $45,000 in assets and$12,000 in liabilities = $33,000 net worth. Over the past year, it's grown 18$4,500/month and spend $3,200, saving$1,300. Spending Insights reveals you spend 30% on housing, 15% on food, and 10% on transport.

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🎮 Gamification

Stay motivated with rewards and achievements. Earn XP (experience points):

• Add a transaction: +5 XP
• Stay within budget: +50 XP
• Reach a savings goal: +100 XP
• Maintain daily streak: +10 XP per day
• Complete challenges: varies

Level up:

• Gain XP to increase your level
• Unlock new features and rewards
• Show off your financial discipline
• Compete with family members (optional)

Achievements: Unlock badges for milestones:

• 💰 First Transaction - Add your first expense
• 📊 Budget Master - Stay under budget for 3 months
• 🎯 Goal Achiever - Reach a savings goal
• 🔥 30-Day Streak - Track finances for 30 days straight
• 💎 Crypto Investor - Add your first crypto wallet
• 🏆 Net Worth Milestone - Reach $10k,$50k, $100k net worth

Rewards Shop: Spend earned XP on:

• Custom app themes
• Special icons and badges
• Premium features
• Exclusive content

Financial Health Gauge: See your overall financial health score (0-100) based on:

• Budget adherence
• Savings rate
• Debt levels
• Net worth growth
• Consistency

Example: You’ve been using Thrust for 45 days. You’re Level 8 with 2,340 XP. You’ve unlocked 12 achievements including “Budget Master” and “30-Day Streak”. Your Financial Health score is 78/100 (Good). You have 500 XP to spend in the shop on a new dark theme.

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👨‍👩‍👧‍👦 Family sharing

Manage finances together with your family. How it works:

1. Create a family group in Settings
2. Invite family members via link
3. Assign roles and permissions
4. Share accounts and budgets
5. Collaborate in real-time

Roles and permissions: Features:

• Shared accounts - Everyone sees the same balance
• Shared budgets - Collaborate on spending limits
• Spending limits - Set daily/weekly/monthly caps for participants
• Approval workflow - Require approval for large purchases
• Activity feed - See what family members are doing
• Privacy controls - Choose what to share

Example use case: You create a family group with your spouse and teenage daughter. You’re the Owner, spouse is Co-Owner, daughter is Participant. You share the “Household” checking account and “Groceries” budget ($600/month). Your daughter has a$50/week spending limit. When she buys lunch for $12, it appears in the shared account. If she tries to spend$60 in one transaction, you get an approval request. Everyone can see the grocery budget status and add their purchases.

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🔒 Privacy

Your data, your choice. Two privacy modes: Ghost Mode (Maximum Privacy)

• 100% on-device data storage
• No cloud sync
• No bank connections
• Manual transaction entry only
• Data never leaves your device
• Perfect for privacy-conscious users

Connected Mode (Convenience)

• CloudKit sync across your devices
• Bank synchronization available
• Automatic transaction updates
• Data encrypted in transit and at rest
• Still private - only you can access your data

Additional privacy features:

• Amount masking - Tap eye icon to hide all monetary values
• Biometric lock - Require Face ID/Touch ID to open app
• Auto-lock - App locks after inactivity
• No tracking - Thrust doesn’t track or sell your data
• Local AI - AI CFO runs entirely on your device

How to switch modes: Go to Settings → Privacy → Choose mode Example: You’re privacy-focused and choose Ghost Mode. All your financial data stays on your iPhone. You manually add transactions. When viewing finances in public, tap the eye icon to mask amounts. Your data is completely private and never synced to any cloud.

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📱 Widgets and Live Activity

Access your finances without opening the app. Lock Screen widgets:

• Today’s spending
• Budget progress
• Net worth
• Savings goal progress
• Quick add transaction button

Home Screen widgets:

• Small: Single account balance or budget
• Medium: Multiple accounts or spending summary
• Large: Full financial dashboard

Dynamic Island (iPhone 14 Pro+):

• Live budget progress during the day
• Transaction confirmations
• Goal milestone alerts
• Tap to open full app

How to add:

1. Long-press on Home Screen or Lock Screen
2. Tap + to add widget
3. Search for “Thrust”
4. Choose widget size and type
5. Customize what data to show

Example: Add a Lock Screen widget showing your daily spending budget. At a glance, you see “$45 of$80 spent today” without unlocking your phone. On your Home Screen, a medium widget shows balances for your three main accounts. When you add a transaction, Dynamic Island shows a brief confirmation.

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Additional features

Localization

• 12 languages supported
• Automatic currency formatting
• Region-specific date formats

Authentication

• Apple Sign In
• Passkeys support
• Biometric authentication

Integrations

• Spotlight - Search transactions from iOS search
• Siri Shortcuts - “Hey Siri, add expense” or “Show my budget”
• Telegram - Get budget alerts via Telegram bot

Data portability

• Export to CSV - Import into Excel or Google Sheets
• Print to PDF - Generate reports for tax purposes
• Import CSV - Bring data from other apps

Accessibility

• VoiceOver support
• Dynamic Type (adjustable text size)
• High contrast mode
• Voice input for hands-free use

Customization

• Dark mode and light mode
• Custom categories and tags
• Personalized dashboard
• Flexible date ranges

How to use Siri Shortcuts:

1. Go to Settings → Siri Shortcuts
2. Tap + to create shortcut
3. Choose action (e.g., “Add expense”, “Check budget”)
4. Record custom phrase
5. Use: “Hey Siri, [your phrase]”

Example: Create shortcut “Log coffee” that adds $5 expense to “Dining Out” category from your Cash account. Every morning, just say “Hey Siri, log coffee” and it’s done.

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Project statistics

• Data models: 29+ @Model classes
• Functional modules: 34
• Managers: 27
• Services: 30+
• Business logic engines: 17
• UI components: 31
• Supported languages: 12

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Next steps