The complete financial platform
Every account. Every dollar. One dashboard.
Connect your banks, brokerages, and crypto. Your complete financial picture, updating in real time. Spending, investments, and retirement planning, all in one place.
SPENDING INTELLIGENCE
Watch your money flow in real time.
Every transaction categorized automatically. Spending flows visualized as live diagrams. Rules that learn your habits. See exactly where every dollar goes, across all your accounts.
Try Thermal FreeBUDGETS
Budgets that keep pace with your life.
Set monthly targets, track progress in real time, and let unspent money roll forward automatically. Recurring bills are detected for you.
Take the first step
RETIREMENT PLANNING
Retire with confidence, not guesswork.
Thousands of simulations across best-case and worst-case scenarios, so you can see the actual probability that your plan holds up. Adjust your spending, change your strategy, and watch the numbers shift in real time.
Plan your retirement
INVESTMENT TRACKING
Multiple brokerages. One view.
Every position, every lot, every dividend. All your accounts consolidated into a single portfolio view. Allocation, unrealized gains, and tax-lot details, all in one place.
See your portfolioONE PLATFORM
Spending, investing, and retirement. Connected.
Other tools give you one piece of the picture. Thermal connects your net worth, cash flow, portfolio, and retirement projections so they update together in real time.
WHY SWITCH
Thermal vs. the rest
| Feature | Thermal | Monarch | Copilot | YNAB | Personal Capital |
|---|---|---|---|---|---|
| Transaction categorization | Yes | Yes | Yes | Yes | Yes |
| Custom category rules | Yes | Yes | Limited | Limited | Limited |
| Budgeting | Yes | Yes | Yes | Yes | Basic |
| Goal tracking | Yes | Yes | Savings only | Yes | No |
| Cash flow visualization | Sankey + Treemap | Sankey | Basic | No | No |
| Receipt scanning | Yes | Yes (mobile) | No | No | No |
| Portfolio tracking | Yes | Yes | Yes | Balance only | Yes |
| Tax-lot tracking | Yes | No | No | No | No |
| Retirement simulations | 10K scenarios | No | No | No | 5K scenarios |
| Withdrawal strategies | 8 | No | No | No | Limited |
| Spending to retirement bridge | Yes | No | No | No | No |
| Pricing | $14.99-$29.99/mo | $14.99/mo | $13.99/mo | $14.99/mo | Free* |
See what Thermal can do for you.
Free for 14 days. No credit card required.
Encrypted at rest
AES-256 on every byte of sensitive data
Your data, your call
Export everything or delete it anytime
Never sold or shared
Your financial data stays yours. Period.
Cancel or switch anytime
No contracts, no lock-in, no questions
What you get
Daily spending meets long-range clarity
Most tools show you where money went. Thermal shows you where it's going and what that means for your future.
Where Every Dollar Goes
Follow every dollar from paycheck to purchase. See which habits eat your income and which categories are worth a second look.
Every Transaction, Instantly
Find any transaction across every account in seconds, even if you misspell the merchant. Filter, sort, and export to CSV when you need the full picture.
Budgets That Breathe
Unspent money rolls forward automatically. Recurring bills are detected for you. Every swipe updates your numbers in real time.
Three apps into one. Zero compromises.
Everything you need, nothing you don't.