Thermal for iPhone
Every account. Every dollar. In your pocket.
Thermal for iPhone is not a thin companion to the web app. It is the same product on a smaller screen: the envelope budget, every transaction, the whole portfolio, and the 10,000-path retirement engine, all reading the account you already have.
iPhone · iOS 16.4 or later · Sign in with your Thermal account
14 days free · Full Pro access · No credit card
Real screens, not mockups. Daniel and Mara Hale are a demo household with a net worth of $1,552,820, but every phone on this page is the actual app and every number is the engine’s own output.
What's Inside
Tap the flame, and the rest of it is there
Four screens stay one thumb away in the tab bar, and you pick which four. The flame in the middle opens everything else, grouped the way the app groups it.
Your money
Dashboard, Transactions, Insights, Retirement
Plan
Budgets, Goals, Recurring, Calendar, Cash Flow, Debts, Investments
Wealth
Accounts, Net Worth, Real Estate, Crypto, Receipts, Business, Cards
You
Advisor, Notifications, Settings
Business tracking is a Pro feature, and Advisor appears only if you are one. Everything else is on both plans.
Daily Money
Assign the money while you are still in the aisle
Ready to Assign, targets, auto-assign, rollover, and the activity log all made the trip. Move $40 from Travel to Groceries at the checkout and the web app has it before you reach the car, because both are reading the same live data.
Prefer a simple monthly limit per category? That mode is one tap away, and switching does not cost you your history.
How the budget works →
Investments
Open a position, not just a portfolio
Every brokerage, 401(k), IRA, HSA, and crypto holding consolidates into one portfolio with time-weighted returns, so the number you see is market performance rather than the money you added. Tap a holding and the phone gives you the whole security: daily candles, share count, average cost, and the long-term and short-term split on unrealized gains.
The capture is the Hale household’s NVIDIA position: 520 shares across three accounts, worth $100,048.
How investment tracking works →
The Bridge
This month, priced in months of freedom
Because one app holds your spending and your retirement plan, it can quote one in the other’s units. Each category carries what trimming it would do to your date, and the what-if chips re-run the projection while you watch.
On the capture, a $1,150 monthly surplus, invested and held, is 11 months of earlier retirement. That is the sentence a budgeting app on its own can never finish.
How the retirement engine works →On The Device
The parts the browser cannot do
Two widgets for the home screen
Cash Flow shows the month's income, spending, and what is left, in the small or medium size. Recent Transactions lists the latest activity in medium or large. Both read your live data, so the answer is on the lock screen before the app opens.
Face ID or Touch ID on the door
Turn on biometric unlock in Settings and the app asks for your face or your thumb, not your password. It is a toggle, not a requirement, and it never replaces the account you signed in with.
Sign in with Apple, or a passkey
Sign in with Apple and Google are both on the sign-in screen, and the app shares its sign-in domain with the website, so the credential you saved on one is offered on the other.
The camera is the receipt scanner
Photograph the paper receipt at the register, or pull an image out of your library, and Thermal reads the line items and matches them to the card charge when it arrives. Long grocery receipts split across categories by item.
Alerts worth a buzz, and only those
A budget going over, a transaction larger than the threshold you set, a bank connection that needs re-authenticating, a subscription whose price stepped up. Every category is a switch, per channel, in Settings.
Getting Started
Three steps, and only one of them is on the phone
Start your account on the web
Thermal accounts are created at thermalfinance.com. The trial runs 14 days with full Pro access and takes no credit card.
Connect your accounts once
Banks, brokerages, cards, and crypto link through Plaid, read-only. Thermal can see balances, transactions, and holdings, and can never move money.
Sign in on the iPhone
The app is a sign-in, not a second account: everything you connected is already there, on the same live data. There is nothing to buy inside the app and nothing to set up twice.
The iPhone app is in its final round of testing before release. Thermal is fully available on the web today, and the download link arrives on this page the day the listing does.
Security
Bank connections run through Plaid, the same infrastructure behind Venmo and Robinhood, and they are read-only. Thermal never sees or stores your bank credentials, encrypts your data with AES-256 at rest and TLS in transit, and never sells it.
How Thermal protects your data →Want the full list of what Thermal does? Every feature, in one place. On an Android phone? Here is where Android stands.
Start on the web. Carry it in your pocket.
The trial runs 14 days at the Pro level, on every device you sign in to. No credit card to start.
14 days free · Full Pro access · No credit card