Budget, track, and understand your money

Spend with a plan, not a guess

Set budgets per category, import bank statements, and see exactly where your money goes. Smart categorization and monthly reminders keep you on track.

dashboard — Thrifty
Thrifty
Dashboard Transactions Categories Budgets Import Mortgage

February 2026

Spending

$2,847

-8.2% vs last month

Income

$5,200

2 deposits

Budget Used

68%

Savings Rate

45.2%

Healthy

Budget Tracking

68% used
Rent $1,200 / $1,200

100% — At limit

Groceries $624 / $800

78% — $176 left

Transport $380 / $500

76% — $120 left

Entertainment $285 / $350

81% — $65 left

Dining Out $95 / $200

47% — $105 left

Recent Transactions

Supermarket

Today · Groceries

-$67.42

Gas Station

Yesterday · Transport

-$52.18

Salary Deposit

Feb 1 · Income

+$5,200

Rent Payment

Feb 1 · Rent

-$1,200

Netflix

Feb 3 · Entertainment

-$15.99

Checking

$4,821

Savings

$12,450

Credit Card

-$847

Everything you need to stay on budget

From tracking every dollar to planning your spending, Thrifty keeps your finances clear.

Budget Tracking

Set monthly budgets per category. See green, amber, or red progress bars at a glance. Copy budgets month to month.

Smart Categories

Custom categories with keywords. Thrifty learns from your habits and auto-suggests the right category for each transaction.

Monthly Reminders

Get notified when accounts are missing transactions. Never forget to import a statement or review your spending.

Any Bank, Any Format

Import PDF or CSV statements from any bank. Configurable column mapper works with any format, plus smart duplicate detection.

Mortgage

Full amortization schedules, extra payment simulations, co-ownership splits, and LTV tracking. See exactly when you'll be mortgage-free.

What-If Scenarios

Simulate changes to income, spending, or housing costs. See how adjustments affect your savings rate and debt ratios.

Shared Households

Invite your partner or roommates. Share accounts across households and manage finances together.

Encrypted & Private

Descriptions, notes, and account names are encrypted at rest. Your data is never sold or shared with third parties.

See it in action

Every tool you need to understand your money, all in one place.

budgets — Thrifty

February 2026 Budgets

5 categories budgeted

$1,147 remaining
Overall Budget $2,584 / $3,050
Groceries $860 / $800
Over
Transport $380 / $500
Warning
Dining Out $95 / $200
On track

Budget at a glance

Color-coded progress bars show instantly which categories need attention. Red means over, amber is close, green is on track.

mortgage — Thrifty

Home Mortgage

25yr fixed @ 3.45%

LTV 72%

Payment

$1,284

bi-weekly

Remaining

$287K

of $400K

Paid

28%

principal

Mortgage Progress 7yr 2mo of 25yr

Extra $200/mo saves you

$47,280

interest saved

4yr 8mo

paid off sooner

Mortgage made simple

Track your mortgage progress, simulate extra payments, and see exactly how much interest you'll save. Co-ownership splits included.

100% private

No bank credentials. No data selling. Transactions are encrypted at rest with AES-256. Only you can see your finances.

5 min setup

Add your accounts, import a statement, and you're done. Smart categorization handles the tedious work for you.

Clarity, not noise

No ads, no premium upsells, no social features. Just clean tools that help you understand where your money goes.

Up and running in minutes

No complicated setup. No bank credentials needed. Just your statements.

1

Add accounts & categories

Set up your bank accounts and create categories with keywords. Set monthly budgets for each one.

2

Import your statements

Upload CSV or PDF bank statements. Thrifty auto-detects the format, flags duplicates, and suggests categories.

3

Track and stay on budget

Watch your budget progress in real time. The dashboard shows your financial health, and reminders keep you on track.

Stop guessing. Start budgeting.

Every dollar tracked is a dollar understood. Set your budgets and take control of your finances.