Every Riyal Gets
a Job

The envelope budgeting app that puts you in complete control of your money — simply, beautifully, and privately.

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Features

Everything you need to
master your money

Throof combines the simplicity of envelope budgeting with intelligent automation, so you spend less time managing and more time living.

Envelope Budgeting

Give every riyal a purpose. Assign income to categories, track spending, and carry balances forward automatically.

Smart SMS Import

Automatically parse bank SMS messages from Al Rajhi, SNB, Riyad Bank, and 6 more Saudi banks. No manual entry needed.

Auto-Fund Goals

Let Throof intelligently allocate your income across categories based on priorities — scheduled bills first, then savings goals.

Goals & Spending Caps

Set savings targets with deadlines, spending caps that warn before you overspend, and scheduled goals for upcoming bills.

Reports & Insights

Visualize spending trends, income vs expenses, net worth over time, and category breakdowns with beautiful charts.

Smart Alerts

Get notified when you overspend, when a goal is off track, when a bill is due, and when you hit savings milestones.

Loans & Assets

Track loans with amortization schedules, monitor assets and property valuations, and see your full net worth picture.

Bilingual Support

Full English and Arabic interface with native RTL layout. Switch languages per budget — perfect for bilingual households.

Multi-Currency

Support for SAR, USD, EUR, GBP, AED, and more. Manage budgets in the currency that works for you.

How It Works

Three steps to financial clarity

Throof's envelope method is simple: every riyal you earn gets assigned a job before you spend it.

1

Assign Your Income

When money comes in, distribute it to your envelopes — rent, groceries, savings, fun. You decide where every riyal goes.

2

Spend from Envelopes

As you spend, Throof deducts from the right envelope. Import transactions via SMS or add them manually in seconds.

3

Stay on Track

See exactly where you stand at a glance. Get alerts before you overspend and celebrate when you hit your savings goals.

Automatic Import

Your bank texts become
transactions instantly

Throof reads your bank SMS messages and turns them into categorized transactions — no typing, no screenshots, no hassle.

  • Supports 9 Saudi banks including Al Rajhi, SNB, and Riyad Bank
  • Extracts amount, merchant, card, and date automatically
  • Smart duplicate detection prevents double entries
  • Optional AI-powered fallback for complex messages
Privacy First

Your data never leaves your device

Throof is built with a local-first architecture. No cloud accounts, no sync servers, no data harvesting. Your financial data stays on your iPhone — period.

Local Storage Only
All data stored on-device with Apple's SwiftData
No Account Required
Start budgeting immediately — no signup, no email
Keychain Security
Sensitive keys stored in iOS Keychain encryption
Zero Tracking
No analytics, no telemetry, no data collection
What People Say

Loved by intentional budgeters

"Finally a budgeting app that actually works with Saudi banks. The SMS import from Al Rajhi is seamless — I haven't manually entered a transaction in months."

Khalid M.
Software Engineer, Riyadh

"The Arabic interface is beautiful — not just a translation, but a properly designed RTL experience. My wife and I each have our own budget and it works perfectly."

Sara A.
Financial Planner, Jeddah

"I love that my data stays on my phone. No accounts, no cloud sync. Auto-Fund is genius — it allocates my salary to envelopes the moment it arrives."

Fahad R.
Entrepreneur, Dammam

Start budgeting with intention

Download Throof and give every riyal a purpose. Free to start, no account required, your data stays yours.

Download on App Store