Effortless financial intelligence.
Cashflow
LiveBudget Insights
Generated 2 hours agoPut surplus cash toward mortgage principal
You’re holding $22,700 in excess liquid cash earning roughly 2.11% while your mortgage rate is 7.25% — a 5.14-point drag. Every dollar applied to principal is an immediate, guaranteed 7.25% return.
Eating out climbing month over month
Eating out rose from $312 in February to $389 in March and $441 in April — three straight months of increases while groceries held steady. Nudging one or two meals per week back home would blunt the trend before it becomes your new normal.
Bump 401(k) to close retirement gap
At 35 you have a 4.7x salary retirement multiple targeting early retirement at 45. A modest contribution bump now has significant compounding impact over the next 10 years.
Why Thrive?
Everything you need to thrive financially
One platform that gives you clarity, confidence, and control over your financial life.
AI-Powered Financial Assistant
Get instant, personalized guidance on every financial decision. Our AI analyzes your unique situation to give you clarity and confidence.
Automated Budgeting & Debt Reduction
Thrive creates, manages, and adjusts your budget automatically — and maps the fastest path out of debt.
Advisory Metrics
See how your cash flow, savings, debt, and investing posture compare to advisor-grade benchmarks — so you always know where you stand.
Cash Flow Optimization
Real-time transaction analysis uncovers hidden savings, reduces wasteful expenses, and redirects funds toward what matters most.
Privacy & Security
Your data is safe,
always.
We built Thrive with industry-leading, bank-grade security from day one. Your financial data is encrypted, anonymized, and never shared or sold — guaranteed.
- Bank-grade 256-bit encryption on all data
- Read-only connections — we never store credentials
- Data is anonymized and never shared or sold
- Enterprise-level discipline, including least-privilege access, infrastructure monitoring, and careful change practices.
256-bit
Bank-grade encryption
Thrive AI
● Online
AI Financial Assistant
Your personal CFO,
available 24/7.
Ask anything about your money and get instant, tailored answers — not generic advice. Thrive AI knows your full financial picture and gives recommendations that actually fit your life.
- Instant answers to your financial questions
- Personalized recommendations based on your data
- Proactive alerts when something needs attention
- Automates your decisions with your approval
Cash Flow
Know exactly where
you stand, in real time.
Thrive calculates your savings rate, net cash flow, and daily surplus automatically — giving you a live pulse on your financial health without lifting a finger.
- Live savings rate updated with every transaction
- Net income vs. expenses at a glance
- Tracks monthly rollover surplus to pay for big stuff
- Monthly savings progress toward assisted goals
Cashflow
LiveSmart Categories
Every dollar, automatically
categorized and tracked.
Thrive auto-categorizes every transaction and tracks spending trends over time — so you can see exactly where your money goes and spot patterns before they become problems.
- Auto-categorizes every transaction instantly
- Month-over-month spending trend analysis
- Custom category grouping and overrides
- Determines category budgets intelligently
Income Flow Reports
See where every
dollar flows.
Thrive's Sankey-style income flow diagram traces every dollar from paycheck to savings, needs, wants, and investments — giving you a bird's-eye view of your financial plumbing.
- Visual income-to-expense flow diagram
- See exactly how much goes to needs vs. wants
- Track savings and investment allocation
- Historical comparisons month over month
Where the money went
January 2026Net Income
$10,681/mo
Acme Corp Payroll
Wages · Semi-Monthly
High-Yield Savings APY
Interest · Monthly
Income Tracking
Every paycheck, parsed
and organized.
Thrive automatically detects recurring income, parses paycheck deductions, and tracks deferred contributions like 401k and HSA — so you see your full earning picture in one place.
- Automatic paycheck detection and parsing
- Recurring income tracking across all sources
- Deferred income and employer match visibility
- Tax withholding breakdown per paycheck
Expense Tracking
Recurring, recent, and
everything in between.
Thrive identifies recurring bills, groups recent spending by category, and separates what you actually paid from credited-back amounts — giving you the true cost of your lifestyle.
- Automatic recurring expense detection
- Category-level spend breakdown with trends
- Credited-back and principal payment separation
- Smart alerts when spending spikes
Net Expenses
$6,339/mo
Connected Accounts
6 syncedHigh-Yield Savings
Ally · Updated 12 min ago
Cashback Checking
Discover · Updated 2 hours ago
Sapphire Reserve
Chase · Updated 1 hour ago
Employer 401(k)
Fidelity · Updated 18 min ago
Individual Brokerage
Schwab · Updated 6 min ago
Roth IRA
Vanguard · Updated 2 hours ago
Connect Accounts
All your accounts,
one dashboard.
Link your bank accounts, credit cards, and investment accounts in seconds. Thrive syncs balances automatically so your financial picture is always up to date — no manual entry required.
- Connect 12,000+ banks and brokerages
- Read-only access — we never move your money
- We also connect to Fidelity
- Checking, savings, credit, and investment accounts
Advisor Metrics
A financial health score
for every part of your life.
Thrive scores your financial health across income, expenses, accounts, and investments in real time. Each metric is benchmarked against advisor-grade recommendations so you always know where you stand.
- Real-time scoring across all financial areas
- Benchmarked against proven financial rules
- Color-coded ratings: Excellent, Good, Moderate, Poor
- AI assisted insights to improve each metric
Testimonials
Real people, real results.
Join hundreds of financial hobbyists who found financial clarity with Thrive.
“I've loved using Thrive so far… I see a lot of potential with where the app is heading. The AI features are game-changers. Being able to access my high-level portfolio in real-time to provide recommendations has been huge already!”
Bryan V.
“Being inside Thrive has been clarifying more than anything… It forced me to think at a higher level instead of just reacting week-to-week. The biggest shift for me has been moving from scattered effort to intentional execution, everything in one place and automated. Decision making is easier and faster.”
Andrew V.
“Love the easy access… and the analyzing aspect of it. This will be a permanent process for me moving forward. Love it.”
Adolfo R.
Pricing
Simple, transparent pricing.
Monthly flexibility or annual savings — same full access either way.
Monthly
Pay month to month — cancel anytime.
- Unlimited AI financial assistant
- Automated budgeting & adjustments
- Cash flow optimization
- Advisory metrics
- Wealth building roadmap
Annual
About $8.25/mo billed once — best value.
- Unlimited AI financial assistant
- Automated budgeting & adjustments
- Cash flow optimization
- Advisory metrics
- Wealth building roadmap
Start your path to
financial freedom today.
Join hundreds of financial hobbyists who use Thrive to take control of their money and build lasting wealth.
14-day free trial