Personal finance intelligence

Your money has a story.
Thread lets you read it.

Most people know how much they earn. Almost nobody knows what their money is doing between paydays. Thread changes that.

Start tracing your money See how it works

Opens in your browser · Install to your home screen · No App Store needed

End of month.

You already track your income. You already save. But at the end of every month, a portion of what you saved sits idle — unallocated, unassigned, generating nothing. Not because you forgot about it. Because no tool ever showed you what it could be doing instead.

01 · Trace

Every dollar gets a name and a destination

Log each income once — salary, dividend, interest, gift. Then allocate specific amounts from specific incomes to specific goals. Thread keeps a permanent record of exactly where every dollar came from and where it went. Not a category. Not a bucket. A traceable thread.

02 · Allocate

Unallocated money is visible. Always.

The Dashboard tells you instantly how much of your income is sitting without a purpose — to the cent, by currency. Thread surfaces the oldest unassigned money first and suggests where it could go. Idle money is not the same as saved money.

03 · Grow

Your savings can generate income without you doing anything

Thread tracks interest, dividends, and cashback as first-class income sources. When your unallocated balance exceeds a threshold you set, Thread shows you exactly what it would generate if moved into an interest-bearing account — real numbers, not hypotheticals.

Thread Functions

Everything you need. Always visible.

Good evening, Alex.
A
Goal Progress
43%
3
goals
Unallocated
Fully traced ✦
Traced
100%
Dashboard Your personalised financial command centre
Upcoming
Monthly Salary
Salary · $3,200
In 4 days
Index Fund Div.
Dividend · $120
In 3 weeks
Schedule Know what's arriving before it lands
Closest to target
76%
Emergency Fund
$7,680 of $10,000
Jun 2027
Goals Real-time precision tracking
Income over time
Income Trends 6-month history with plain-language summaries
Allocation rate
Allocation Rate See what's purposeful vs sitting idle
Forecast
Mar 2026
→
Dec 2026
✦ Surplus: $2,140 to spare
Forecast Income vs goals across any date range
Goals
Emergency Fund76%
Annual Trip48%
Tech Upgrade92%
Goals Funded by real, traceable income sources
Insights
💡

$340 unallocated — at 3.5% p.a. that's $9.92/month doing nothing.

Insights Rule-based observations, automatically surfaced
Income Log
June Salary
Salary · Jun 25
$3,200
Q2 Dividend
Dividend · Jun 30
$120
Income Log Every source logged, grouped, and filterable

The concept behind Thread

Your income is not the constraint. What you do with it is.

A savings account at 3.5% p.a. and a cashback card at 3.5% are not exotic instruments. They are available to anyone with a payslip and an afternoon. Together, on a modest balance, they generate meaningful passive income every single month — income Thread tracks, names, and helps you trace forward into your goals.

Source
Monthly return
Annual return
Savings account at 3.5% p.a. on a 10,000 balance
~29 / month
~350 / year
3.5% cashback card (capped monthly)
~35 / month
~420 / year
Combined passive income
~64 / mo.
~770 / yr.

* Illustrative example. Figures are in your local currency. Actual rates and returns vary by provider and region.

FAQ

Questions worth asking
before you sign up

Budget trackers are built around spending — they categorise your expenses and tell you when you've spent too much on dining or travel. Thread is built around income. It doesn't care what you spent. It cares where your income went: which goal it funded, how much is still sitting unallocated, and what that idle balance could be generating passively. Thread doesn't judge your spending. It makes your savings visible and purposeful.
No — and this is a deliberate design choice. Thread only asks you to log income events: your salary, dividends, interest deposits, cashback, gifts. Not your coffee, not your groceries, not your streaming subscriptions. Once an income is logged, you allocate portions of it toward goals. That's the full model. Most users log 3–5 entries a month, not 30–50.
Not currently. Thread is intentionally manual at this stage — you log income when it arrives, which takes under a minute per entry. This is a feature, not a limitation. Automatic bank connections import everything indiscriminately and create noise. Thread's model means every entry is deliberate, and the data reflects decisions you've consciously made.
Thread is built on Supabase, an enterprise-grade database platform used by thousands of production applications worldwide. Every user's data is isolated at the database level using Row Level Security — your incomes, goals, and allocations are invisible to every other user by design, not by convention. All data is encrypted in transit and at rest. Thread never has access to your actual bank accounts or card numbers.
Yes — Thread supports Google sign-in alongside email and password. On the sign-in screen, tap "Sign in with Google" and you're in — no email confirmation step, no password to remember. Your data is tied to your account regardless of which method you use.
Thread installs directly from your browser — no App Store needed. On iPhone: open Thread in Safari, tap the Share button (the box with an arrow at the bottom of the screen), then tap "Add to Home Screen" and confirm. Thread appears on your home screen as a full-screen app, exactly like a native app. On Android: open in Chrome and tap "Add to Home Screen" from the browser menu. Updates happen automatically in the background — nothing to approve.

Start tracing
your money.

Open Thread in your browser, sign up in under a minute,
and install it to your home screen like any native app.

Open Thread

Works on iPhone, Mac, and Android · No download · No App Store