Features
One app for the money you spend
and the money you're building.
Thermal replaces the budgeting app, the portfolio tracker, and the retirement spreadsheet. Here is everything inside.
14 days free · Full Pro access · No credit card
12,000+
institutions via Plaid
10,000
Monte Carlo paths per run
51
US tax jurisdictions modeled
8
withdrawal strategies
Spending & Cash Flow
Every transaction synced, categorized, and searchable, with a Sankey flow that follows each dollar from paycheck to purchase.
- Automatic categorization plus your own rules
- Recurring charges and transfers detected for you
- CSV import for years of history
Envelope Budgeting
Full zero-based budgeting with a Ready-to-Assign pool, five target types, one-click auto-assign, and credit card payment envelopes.
- Balances roll forward, YNAB-style
- Auto-assign funds your targets in one click
- Simple category-limit mode if you prefer
Investments
Every brokerage, 401(k), IRA, HSA, and crypto position in one portfolio, measured with time-weighted returns.
- Benchmarks that account for your deposits
- Per-security drill-ins with candlestick charts
- Intraday prices through the trading day
Retirement
10,000 Monte Carlo paths over your real accounts, with 8 withdrawal strategies, couples modeling, and Roth conversion ladders.
- Tax math for all 50 states plus DC
- Social Security with earnings-history import
- Canada: ON, BC, and AB with RRSP/RRIF/TFSA
Cards & Receipts
Statement credits tracked against real transactions, best-card recommendations per category, and receipts down to the line item.
- Expiring benefits flagged before they vanish
- Chrome extension imports Amazon, Costco, Target, and Walmart orders
- Split one charge across categories by item
Households & Advisors
Full access for your partner, member accounts from age 13, and read-only access for your advisor, who can also sponsor the bill.
- Scope any screen to one person or everyone
- Advisors propose scenarios; you accept or decline
- Read-only access enforced server-side
The Bridge
The feature the two-app crowd can't copy
Because Thermal holds your daily spending and your retirement plan in one place, it can price one in terms of the other. Dining out stops being $10K a year and becomes seven months of earlier retirement.
See how the Bridge works →On the Pro Plan
Two features reserved for Pro
Everything above is included on every plan. Pro adds the AI layer and business bookkeeping, and the trial includes both.
AI insights
ProAI mines your transactions for patterns worth acting on: a subscription you stopped using, a category quietly creeping up, a fee you shouldn't be paying.
Business expense tracking
ProTag business spending, organize it into separate businesses, and see monthly summaries. Side-business bookkeeping without a second app.
Also Included
The rest of the toolbox
Net worth
Assets minus liabilities, snapshotted over time across every account.
Goals
Set a target amount and date, link accounts, watch progress update itself.
Debt payoff
APRs and minimums synced from your lenders, with payoff strategies compared side by side.
Real estate
Track property values and equity alongside your other assets.
Crypto
Bitcoin and other coins tracked next to your equities, in the same portfolio.
iOS app
The full picture in your pocket: budget, transactions, investments, retirement.
Chrome extension
Imports retailer order history so receipts match themselves.
Canada support
CAD accounts, plus retirement planning for Ontario, BC, and Alberta.
Your data, portable
Export everything anytime. Delete everything, and it actually deletes.
Security
Bank connections run through Plaid, the same infrastructure behind Venmo and Robinhood. Thermal never sees or stores your bank credentials, encrypts data with AES-256 at rest and TLS in transit, and never sells your data.
Try all of it, free, for 14 days
The trial includes every feature on this page at the Pro level. No credit card to start.
14 days free · Full Pro access · No credit card