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Built for the euro zone

Your money, sorted by itself.

THRIVE LINKED reads your bank transactions and files them into your budget. It shows how much of the month is already covered. Shared expenses included.

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Free while in private testing. Works on your phone and your computer.
Read-only access Approved in your bank's app THRIVE LINKED never sees your password
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 tells you whether this month's expenses are covered by the money you have. It works when your income is irregular. It stays honest when your account is in the red.

THRIVE LINKED APP
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 bank's app. THRIVE LINKED never sees your password. You can switch it off any time.
02
Automatic categorisationAI files new transactions into your categories. You confirm with one tap, and it learns from your corrections. If nothing fits, it suggests a new category. It never creates one until you say so.
03
Credit card and instalmentsUpload your card statement. Every instalment plan is tracked. The next instalment is reserved before the bank charges it.
04
Recurring paymentsSubscriptions and utilities are recognised. Next month's charge is reserved. You confirm or reject them when they change.
05
Envelopes for yearly billsInsurance comes once a year, water every three months. Put a little aside each month. The money is ready when the bill arrives.
06
Analytics and net worthSee income against spending by month. See your assets, loans and net worth over time. Property estimates are kept separate from real money.
07
NotificationsYou get a push when a transaction arrives. If one waits three days for a category, you get a reminder.
THRIVE SHARED APP
THRIVE SHARED · Included, free for everyone you invite

Split costs with people who don't use a budgeting app.

Create a group and send one link on WhatsApp. Everyone enters their own expenses. No bank connection needed. When someone pays for something you split, only your share is charged to your budget.

01
One invite link per groupSend it to everyone at once, or show the QR code.
02
Who owes whomBalances update as expenses are added. A payment settles the debt to zero.
03
Pay and RemindPay opens the other person's Revolut, payment app or IBAN. It works if they added those on their side. Remind sends a WhatsApp message with the amount already written.
04
Everyone sees the group updatesAdd, edit or delete. Everyone in the group is notified.
05
Its own appAn invited person can install THRIVE SHARED alone on the home screen. They can switch to THRIVE LINKED whenever they want.
Your share, in your budget

A friend pays for something you split. Only your share is charged to your budget. It happens automatically.

Dinner · split by 3
€ 60.00
→
In your budget
€ 20.00
How 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.

Plans

Prices start when private testing ends.

THRIVE LINKED APP
RECOMMENDED
PREMIUM · THRIVE LINKED
—/ month
30 days free to start
For people who want their bank transactions read and sorted into a budget.
  • EVERYTHING IN FREE, PLUS
  • THRIVE SHARED included: split costs with anyone, free for everyone you invite
  • 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
Start free trial
COMING
GOLD · THRIVE LINKED + Thrive AI
—/ month
Launch date not decided yet · no trial
For people who want to ask questions about their money.
  • EVERYTHING IN PREMIUM, PLUS
  • THRIVE SHARED included: split costs with anyone, free for everyone you invite
  • Thrive AI: talk to it about your own money, in plain language
  • Answers built from your own figures
  • Every suggestion is a button you press, with undo
  • 30 messages a day
  • In your language: Croatian, English or German
  • One tap from the home screen
See what Thrive AI does
THRIVE SHARED APP
FREE · THRIVE SHARED
€ 0
Free, for everyone you invite
For people invited to a shared group, or who 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
Create a free account
Cancel any time from inside the app. Your data stays yours. Export it before you leave.
Do I need a card to start the trial?
Yes. The trial is 30 days and your card details are needed when it starts. Nothing is charged until the trial ends. You can cancel before that from inside the app. You will also need to link your bank accounts to use the budgeting features. The access is read-only and THRIVE LINKED never sees your password.
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 THRIVE LINKED budgeting features pays.
Does it work with my bank?
Most banks in the euro zone follow the European rules for read-only access. Those all work, including Revolut and the large national banks. The full list appears in the app when you select Connect bank.
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 bank's app. Categorisation reads merchant names and nothing else. Privacy notice →

Installation

Install the app on your phone.

THRIVE LINKED

The app for budgeting. It is still not available because it is in private testing.

THRIVE SHARED

The app for shared expenses. It is free for everyone you invite.

Each app is installed on its own. Install the one you use.

THRIVE LINKED is in private testing. Bank connection is open to invited testers only. Shared expenses are open to everyone. Join the waiting list and we will tell you when we start.