Dinner · split by 3
€ 60.00Built for the euro zone
Your money, sorted by itself.
THRIVE LINKED reads the transactions from your bank, files them into your budget and tells you how much of the month is already covered. Shared expenses included.
Free while in private testing. Works on your phone and your computer.
Read-only access
Approved in your own bank's app
No password ever given to THRIVE LINKED
Coverageavailable − needed
€ 412.30
Over budget€ 183.00
Accounts balance€ 940.15
Available€ 1 640.15
Needed€ 1 227.85
One number that is actually true.
Coverage is the number that shows you whether this month's expenses are covered by the money available. Not a guess. It works when your income is irregular, and it is honest when your account is in the red.
THRIVE LINKED · The budgeting app
Your bank, your budget, on autopilot.
01
Your bank, read-onlyYour bank gives THRIVE LINKED read-only access to your transactions. You approve it in your own bank's app, you never give THRIVE LINKED your bank password, and you can switch it off any time.
02
Automatic categorisationNew transactions are filed into your categories by AI. You confirm with one tap, and it learns from your corrections. If nothing fits, it will suggest a new category — but it won't create one until you say so.
03
Credit card and instalmentsUpload your card statement. Every instalment plan is tracked and its next instalment is reserved before the bank charges it.
04
Recurring paymentsSubscriptions and utilities are recognised, and next month's charge is reserved. You confirm or reject them if they change over time.
05
Envelopes for yearly billsInsurance once a year, water every three months — set it aside monthly and the money is there when the bill comes.
06
Analytics and net worthIncome against spending by month, your assets and loans, and net worth over time — with property estimates kept separate from real money.
07
NotificationsA push when a transaction arrives, even with the app closed. A reminder when something has waited three days for a category confirmation.
Your share, in your budget
When a friend pays for something you split, only your share lands in your budget. Automatically.
→
In your budget
€ 20.00How it works
01
Create an account.02
Connect your bank, or start a shared group.03
Confirm categories as they arrive.That is all the manual work there is.Plans
These are the plans that come after the private testing.
RECOMMENDED
PREMIUM · THRIVE LINKED
—/ month
30 days free to start
For people who want their bank transactions read and budgeted for them.
- EVERYTHING IN FREE, PLUS
- Read-only bank connection
- Automatic AI categorisation
- Coverage, budget and envelopes
- Credit card statements and instalment plans
- Recurring payments reserved before they are charged
- Analytics and net worth
- Push notifications
- Export your data any time
COMING
GOLD · THRIVE LINKED + Thrive AI
—/ month
Launch date not decided yet · no trial
For people who want to ask questions about their own money and get answers from their own figures.
- EVERYTHING IN PREMIUM, PLUS
- Thrive AI — talk to it about your own money, in plain language
- Answers from your own figures, not estimates
- Suggests, you decide — every suggestion is a button, with undo
- 30 messages a day
- In your language: Croatian, English or German
- One tap from the home screen
FREE · THRIVE SHARED
€ 0
Free, for everyone you invite
For people who were invited to a shared group, or only want to split costs.
- Unlimited shared groups
- Invite by link or QR code
- Who-owes-whom balances, Pay and Remind
- Notifications when a group changes
- Install as its own app
Cancel any time from inside the app. Your data stays yours and can be exported before you leave.
Do I need a card to start the trial?
Yes. The trial is 30 days and your card is taken when it starts; nothing is charged until the trial ends, and you can cancel before that from inside the app. To use the budgeting features you will also link your bank — read-only, no password is ever given to THRIVE LINKED.
What happens when the trial ends?
Premium starts on the card you gave, unless you cancelled. If you cancel, you keep your data and your shared groups; bank connection and budgeting pause until you subscribe.
Can someone in my shared group stay on Free?
Yes. THRIVE SHARED is a separate free app. Only the person who wants the budget pays.
Does it work with my bank?
It works with banks across the euro zone that follow the European rules for read-only access, which is most of them. Revolut and the large national banks are examples. The full list is shown inside the app when you connect.
A promise
Your data is yours. No ads, nothing sold, nothing shown to anyone.
Export everything as CSV or JSON, delete your account from inside the app. Your bank access is read-only and you approve it in your own bank's app. Categorisation works on merchant names only, never on your balances. Even the fonts are served from our own domain. Privacy notice →
THRIVE LINKED is in private testing. Bank connection is currently available to invited testers only; shared expenses are open to everyone. Join the waiting list to be told when your bank is ready.