Thirds helps you budget with the 65/20/15 and 50/30/20 frameworks — tracking expenses, income, and savings goals entirely on-device. No accounts, no cloud, no surprises.
Switch between the 65/20/15 or 50/30/20 rule. Thirds tracks your needs, leisure, and savings automatically as you enter transactions.
Visual breakdowns by category across any time range. See where your money actually goes — not where you think it does.
Create funds for anything — an emergency buffer, a holiday, a new purchase. Track progress toward each goal separately.
Set up rent, subscriptions, or regular income once and Thirds handles them every cycle — no more forgetting to log the obvious.
Already tracking in a spreadsheet? Import your existing data via .xlsx. Export to CSV or PDF anytime you want a copy.
The Tips tab surfaces patterns in your spending and suggests adjustments — all processed on-device, never shared.
Balance & breakdown
Quick entry
Spending analysis
Savings goals
Thirds was built with a simple conviction: your financial data is yours alone. There are no servers to breach, no accounts to compromise, no data to sell. Everything lives on your device.
Free to download. Works immediately. No setup, no signup.