An Australian personal finance app for your whole financial life
Most personal finance apps do one job. One budgets, one tracks shares, one values your house, and none of them talk to each other, so nobody ever sees the whole thing at once. Compound is built to be the one place it all lands: what you earn, what you spend, what you own, what you owe, and where the whole lot is heading.
It is also built here. Super is locked away until 60, franking credits are real, HECS is a debt with its own rules, and wealth gets held through trusts, companies and self-managed super. Apps built overseas either ignore all of that or bolt it on badly, which is why their answer to "when could I stop working?" is quietly wrong for Australians.
Everything in one app
Property, superannuation, shares and ETFs, cash, crypto and a business, against the mortgages and debts held over them.
A budget with a point
Household income, costs and the monthly surplus you actually have to invest, feeding straight into the projection.
The year, not just the balance
The year your investments could cover your living costs, modelled for tax, capital gains and super preservation.
Built for Australian structures
Personal, joint, family trust, company and SMSF, tracked separately and combined into one position.
On every device
Native iPhone and Android apps and the full web app, with your data in sync across all of them.
Paid for by the people who use it
No ads, and your data is never sold. Compound answers to subscribers rather than advertisers.
Common questions
What is the best personal finance app in Australia?
It depends which job you need done. For transaction-by-transaction budgeting with bank feeds, Frollo and Up are strong and free. For a single view of everything you own and owe, with the year your investments could fund your life, that is what Compound is built for. We compare the options honestly in our guide to the best budgeting apps in Australia.
Is there an Australian-made personal finance app?
Yes. Compound is built in Australia by an Australian finance professional, and models super preservation, franking, capital gains, HECS and Australian entity structures the way they actually work here rather than translating an overseas product.
Do I have to connect my bank?
No. Compound is manual-first: you add what you own and it keeps market prices live for you, or you import a bank statement (CSV, Excel or PDF). No bank logins are ever shared with us.
Does Compound work on iPhone and Android?
Yes. Compound has native apps on the App Store and Google Play, plus a full web app, and your data stays in sync across all of them.
How much does Compound cost?
Compound Pro is $149/year or $14.99/month. 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.
Put your whole financial life in one place
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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