Spending Tracker
Stop guessing where
your money goes.
Automatic categorization, Sankey flow diagrams, treemap breakdowns, and budgets that update in real time. See every dollar from paycheck to purchase.
14-day free trial · No credit card required
Smart Categorization
Categorized before you open the app
Thermal categorizes transactions on import, then learns from your corrections. Create rules once and never recategorize the same merchant again.
Automatic categorization
Transactions are categorized the moment they sync. Thermal maps merchant data to a clean taxonomy so you see groceries, not MCC code 5411.
Custom category rules
Create rules by merchant name, exact match, or prefix. Once set, every future transaction from that merchant is categorized automatically. No more re-categorizing the same coffee shop every week.
Bulk reassignment
Recategorize months of transactions in one action. Change all Uber transactions from Transportation to Business and Thermal creates a rule to handle future ones too.
Visual Breakdown
Your spending as a treemap
Categories sized by spend. See at a glance what takes the biggest share of your income. Drill into any category to see individual transactions.
Budget Tracking
Budgets that keep up with your spending
Real-time budget progress, automatic recurring detection, and category-level limits. No manual entry required.
Category budgets
Set monthly spending limits by category. See real-time progress as transactions flow in. Know you've hit 80% of your dining budget before the month is over.
Reactive spending totals
Budget spending recomputes instantly when transactions change. Recategorize something and your budget progress updates in real time across every view.
Recurring detection
Thermal automatically identifies recurring charges -- subscriptions, utilities, memberships -- so you know your fixed costs without manual entry.
14-day free trial · No credit card required
Spreadsheet Replacement
Better than spreadsheets. Less work than Mint.
| Spreadsheets | Thermal |
|---|---|
| Manual data entry | Automatic bank sync |
| Static pie charts | Interactive Sankey flows |
| Breaks when you miss a day | Always up to date |
| One person at a time | Household support |
| No categorization | Automatic + custom rules |
| Hours per month | Zero maintenance |
Ready to see where your money goes?
Link your accounts and see your spending flows in under two minutes. Automatic categorization from day one.
14-day free trial · No credit card required
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