Your money on a plan, not on vibes.
Most apps tell you where your money went — after it's gone. Throof works before the spend: split your salary into clear envelopes from day one and know before any purchase that the money is there — while AI logs your transactions from bank SMS and reconciles your account from a photo of your statement.
Free for now · No account · No ads
- Powered by AI
- Free for now — no ads, no subscription
- No account, no sign-up
- Data stays on your device
- Built for Saudi banks
- Encrypted backups
Most apps record the past. Throof plans what comes next.
The real problem isn't not knowing where your money went — it's that the decision was made without a plan, and the result only shows up when it's too late.
Start working after you spend
- How much did you spend?
- Where did you spend it?
- When did you spend it?
The money is already gone and the decision is over — that's where the problem starts.
Works before you spend
- Is the amount available?
- Is it in my plan?
- Will it affect the rest of the month?
Every riyal has a place and a purpose before it leaves your account.
From discovering the problem after it happens — to preventing it before it starts.
Three steps to a calmer month
The envelope method is simple: every riyal that comes in gets a purpose before it goes out.
Give every riyal an envelope
When income lands, split it across envelopes — rent, groceries, savings, fun. You decide where money goes before you spend it.
Paste your bank SMS — it files itself
Copy a purchase SMS from your bank, paste it into Throof, and it becomes a categorized transaction. No manual typing.
Spend from envelopes, with confidence
One glance shows what is truly left in each envelope, and alerts catch you before you overspend.
Paste a bank SMS. Done.
Copy any purchase SMS from your bank and paste it into Throof — the amount, merchant, card, and date fill themselves in, parsed right on your device. If a message is too unusual, Throof can ask AI to read it instead.
- Al Rajhi, SNB, Riyad Bank, Alinma and more
- Duplicate detection — the same SMS never imports twice
- On-device parsing first; AI only as a fallback
Payday, sorted in one tap.
Tell Throof your paycheck and it drafts your whole month: bills first, then savings, then everyday spending — tuned to Saudi household patterns and rounded to a clean 5. Review it, tweak anything, and commit.
Your statement, reconciled from a photo.
Accounts drift — a forgotten purchase here, a fee there. Photograph your bank statement and Throof's AI reads the transactions and ending balance, shows you exactly what's missing, and brings your account back to reality. Undo anytime.
- Photograph your statement
- AI reads transactions and balance
- Review, apply — undo anytime
Everything a serious budget needs.
Envelope budgeting is the front door. Behind it is a complete personal-finance system.
Four envelope types
Spending, bills with due dates, savings goals, and flexible — each behaves the way that money should.
Caps and goals
Set a spending cap or a savings target — with a heads-up when you're at 80%.
Months and multiple budgets
Plan month by month, and keep separate budgets for separate lives.
Cover shortfalls
Overspent an envelope? Cover it from another in two taps.
Splits and transfers
Split one purchase across envelopes, and move money between accounts cleanly.
Payee management
Autocomplete, merge, and tidy up where your money actually goes.
Loans, properly
Full amortization schedules — including interest-free loans.
Assets and net worth
Track property and valuables over time, and see your true net worth.
Review the month. Plan the next one better.
Reports in Throof aren't just about where the month went — they make next month's plan smarter. Five reports: spending breakdown, trends over time, income vs expense, net worth, and per-envelope history — each compared against the period before.
Plus 8 kinds of smart alerts and gentle daily and weekly reminders, so nothing slips.
Private by architecture, not by promise.
Throof doesn't have your data. There is no account to create, no server holding your budget, and nothing to leak.
Everything on your iPhone
Your budget lives in on-device storage. Delete the app, and it is gone.
No account, ever
No sign-up, no email, no phone number. Open the app and start.
Zero tracking
No analytics, no ads, no third-party SDKs watching you.
Hide Balances
One tap masks every amount — for budgeting in public without broadcasting your finances.
Encrypted backups
Export a backup file locked with AES encryption and a passphrase only you know.
How the AI features work
Everything you do in Throof stays on your iPhone. The one exception is yours to trigger: when you use Import with AI or Reconcile with AI and on-device parsing can't read the text or photo, just that content is sent to Throof's AI service to be parsed, then discarded. No account, no identity attached — and nothing else ever leaves your device.
Built in Arabic. Not translated into it.
Most finance apps bolt Arabic on at the end. Throof was designed right-to-left from day one — and speaks fluent English too.
- Full right-to-left interface, not a mirrored afterthought
- Reads Saudi bank SMS in Arabic and English
- The new symbol, rendered correctly
- Western digits (0–9) everywhere, as used in Saudi Arabia
- Starter templates shaped around Saudi households
Questions, answered.
Is Throof really free?
For now, yes — the whole app is free: no subscription, no ads, no locked features. Some features may become paid in the future, so this is the best time to start.
Which banks does SMS import support?
Throof recognizes SMS formats from Saudi banks including Al Rajhi, SNB, Riyad Bank, Alinma, SABB, Bank Albilad and others — and for anything it cannot parse on-device, the optional AI fallback usually can.
Does Throof read my SMS inbox?
No. Throof never accesses your messages. You copy an SMS yourself and paste it into the app — that is the only way a message gets in.
What happens to text or photos sent to AI?
AI is only used when you tap an AI feature and on-device parsing fails. Just that SMS text or statement photo is sent to Throof’s AI service, parsed, and discarded. It is never stored or linked to you — there is no account to link it to.
Can I back up or export my data?
Yes. You can export an encrypted backup file (protected by a passphrase you choose) and restore it on any iPhone running Throof.
Do I need an account?
No. There is no sign-up at all. Download the app and start budgeting.
Is Throof available on Android?
Throof is currently on iPhone. An Android version is in the works and coming later.
Does it work in English?
Fully. Throof is Arabic-first but completely bilingual — you can even set a different language per budget.
Start deciding where your money goes — today.
No account, no catch, and your data stays yours.
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