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.
Common questions
Is Compound a budget tracker?
Yes. Compound is a budget tracker that follows your household income, expenses and monthly surplus — and 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.
Is there a free budget tracker in Australia?
Compound keeps net worth tracking free, and the full budget — with your independence-year projection, goals and live prices — is part of Compound Pro, which starts with a free trial. 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.
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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