Mac & iPhone
Your financial data is yours. Zero-based budgeting for Mac and iPhone that syncs through your own iCloud and nowhere else.
Thrive's App Store privacy label reads Data Not Collected. Not minimized. Not anonymized. Not collected.
Check the label on the App Store →Your priorities
Six priorities, and Thrive keeps your attention on the ones that are actually live right now. Two of them come first. Three of them run together for years.
First, in order
Doing both of these at once does neither of them well.
Everything except the house. Clear what is taking a cut of your income before you build anything on top of it.
Three to six months of what you actually spend, so one bad week cannot undo the first one.
Then these three, at the same time
They run for decades, they come out of the same monthly surplus, and none of them finishes before the others start.
Compounding has decades to work. Thrive projects your real holdings against the age you picked and says whether you are on track for it.
Every education plan measured against its own target, so you can see which ones are on track and which are behind. Skip this one if it does not apply to you.
The mortgage does not pause while you invest, so Thrive tracks the payoff date right alongside the other two instead of pretending it comes later.
Margin with a mission. Nothing owns you, the plan runs itself, and what is left over can go where you want it to go.
Thrive shows where you actually stand on each one and what it will take to finish it, so your attention goes to the priority that needs it.
The budget
Plan, actual and what is left — across income, savings and expenses. Every dollar assigned, and the daily pace that keeps you on it.
Goals
Every savings goal shows how far along it is and the month it finishes, at the rate you are actually funding it.
Transactions
Import a statement, or switch on instant bank emails. Transactions land as they happen, with no bank connection and no password.
Everything else is thrown away once you confirm the row.
Set a vendor rule once and everything from it files itself after that.
Year in review
Every group and every vendor so far this year, measured against what you earned. Pick any group and the whole page follows it.
Specifications
Thrive runs perfectly well on one device with iCloud switched off, in Settings. Nothing is uploaded, nothing is shared, and nothing is lost — the app simply stops talking to your other devices until you turn it back on.
If you let Thrive read your bank's alert emails, that mailbox password lives in the Apple Keychain on the one device you typed it into. It is never synced, never sent to us, and never shared with your spouse — not even when you share a household.
| Everything below is on your devices | Free | Premium |
|---|---|---|
| Zero-based budgeting, parent categories, daily pace | Yes | Yes |
| Transactions, rules and merchant memory | Yes | Yes |
| Imports — CSV, OFX, QFX, PDF | Yes | Yes |
| Email alert scanning for daily monitoring | Yes | Yes |
| Dashboard, budget history and emergency fund | Yes | Yes |
| Mac and iPhone, synced through your iCloud — or sync off, one device only | Yes | Yes |
| Household sharing — one plan, two Apple IDs, no shared password | — | Yes |
| Retirement projections and scenarios | — | Yes |
| Children's savings and 529 projections, per child | — | Yes |
| Real estate, mortgage and payoff tools | — | Yes |
| Year in review with vendor and trend drill-down | — | Yes |
| Price | $0, forever | $8/mo or $65/yr |
Premium is a seven-day free trial inside the app. Household sharing needs Premium on your side only — the spouse you invite pays nothing and needs no subscription of their own.
Free forever for the core app. Premium adds retirement, children's savings, real estate and the year in review — with a seven-day trial.
Download on the App Store
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