A budget tracker built for Australians
A budget tracker should do more than tally where this month went. Most budgeting apps stop there (money in, money out, what is left) and never answer the question that actually matters: what is all this saving for, and when does it get you somewhere?
Compound is a budget tracker built around that answer. Track your household income and expenses, see the monthly surplus you have available to invest, then watch that surplus feed straight into the year your investments could fund your life. Budgeting stops being a chore and becomes the lever on your independence year.
Income and expenses
Lay out what your household earns and what life costs, and see the monthly surplus you have left to invest.
The future-cost question
What will each cost look like once you’re self-funded? That future number, in today’s dollars, feeds your projection.
Surplus into progress
Every dollar of surplus you direct to investing moves your financial-independence year closer, and you can see it move.
Beyond this month
A budget with a horizon: connected to your net worth, your goals and the year work becomes a choice.
One place for everything
Your budget lives alongside your property, super, shares and net worth, not in a separate silo.
A bill checker built in
Upload an electricity, gas, health insurance, NBN or mobile bill and see what the same setup costs across the market, from official data, with providers named and nobody paid to be listed.
Common questions
Is Compound a budget tracker?
Yes. Compound is a budget tracker that follows your household income, expenses and monthly surplus. Unlike a standalone budgeting app, it links that surplus to your long-term net worth and the year you could reach financial independence.
What is the best budget tracker in Australia?
The best budget tracker is the one you’ll actually keep using, and one pointed at a goal. Compound is built in Australia and ties your budget to your whole net worth and your financial-independence year, so budgeting has a visible payoff rather than being an end in itself.
How much does Compound cost?
Compound Pro (the full budget with your independence-year projection, goals and live prices) is $149/year or $14.99/month. Join by 31 December 2026 and you get early access pricing: $99 a year or $9.99 a month, locked in for as long as you stay. Every new account starts with 7 free days, no card needed; pick a plan at the end, or the app closes and nothing is charged. All prices are in AUD.
Does it connect to my bank?
Compound is a manual-first tool: you enter your income and expenses, which keeps you in control and works across every account and structure. This also means no bank credentials are ever shared.
Can it tell me if I am paying too much for bills?
Yes, for electricity, gas, private hospital cover, NBN and mobile. Upload the bill and Compound prices the same setup across the market from official data, and shows the lower-priced equivalents by name and the difference a year. No referral fees or commissions: providers are named, never linked.
Budget with a purpose
Compound brings property, super, shares, cash, crypto and business into one view, with your real net worth and the year you could reach financial independence.
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