Compound vs Gather
The short answer: Gather is a Sydney-built iPhone money app: bank accounts synced through Open Banking from 250+ banks and providers, shares and crypto from a list of brokers and exchanges, property with its loans, budgets, a bill calendar and a tax-deduction assistant, with an AI money assistant on top. Compound is a whole-of-wealth tracker: property with loans, offsets, usable equity and cash flow, super, shares, cash, crypto and a business, across trusts, companies and SMSFs, on the web, iOS and Android, with a projection of the year your investments could fund your life. Pick Gather if you want your bank transactions flowing in automatically on an iPhone; pick Compound if property, structures, a partner, Android or the web, or the "when could I stop working?" question are part of your picture.
We make Compound, so read this knowing that. Every fact about Gather below is from its own public pages as at the date above (sources at the bottom), and anything we could not confirm is left out rather than guessed. If something has changed, tell us and we will fix it.
Side by side
| Compound | Gather | |
|---|---|---|
| Price | A$149/year or A$14.99/month; 30 days free, cancel anytime | A$14.99 a month, or A$9.99 a month billed yearly ("Save 33%"); 5 weeks free, no credit card required |
| Free plan | No free plan | No free plan stated: the 5-week trial |
| Bank connections | No bank logins: manual-first, with bank-statement import (CSV, Excel, PDF) | Yes: Open Banking (it is a CDR representative) with "250+ banks & providers supported" and real-time sync; a few banks by direct integration |
| Shares & ETFs | Yes: ASX and US shares and ETFs at live prices, in A$ | Yes: direct integration with brokers such as CommSec, Stake, Superhero, Betashares and CMC Markets; others (Interactive Brokers, Pearler, Sharesies) by manual tracking; ASX, US and crypto market data |
| Property | Yes: value, loans, offsets, usable equity, rental cash flow, development feasibility | Yes: add a home or investment property, link loans and offsets, track equity; "Property values update automatically" |
| Super | Yes, modelled as locked until preservation age (60) | Direct integration with two funds (CBUS and Rest) on its integrations list; other funds by manual tracking |
| Crypto | Yes: exchange read-only keys or public wallet addresses | Yes: direct integration with Coinbase, CoinSpot, Crypto.com and Kraken plus on-chain wallets; other exchanges by manual tracking |
| Trusts, companies, SMSF | Yes: personal, joint, family trust, company, SMSF | Not mentioned |
| Financial-independence projection | Yes: your "Freedom Year", with Australian tax, CGT and super access modelled | "Wealth Intelligence" forecasts and what-if scenarios from your connected data; no retirement or financial-independence projection mentioned |
| Budgeting | Yes: income, spending and monthly surplus | Yes: budgets, a bill and subscription calendar, cashflow analytics and a savings rate |
| Tax time | Yes: EOFY pack per entity for your accountant (not tax advice) | A tax-deduction assistant and deduction rules that flag likely deductions in your transactions (it says it is not a registered tax agent) |
| Couples | Yes, shared household | Not mentioned |
| Platforms | Web, iOS, Android | iOS ("Download Gather for iOS"); Android and web are not mentioned |
| Made in | Australia (Sabea Tech Pty Ltd) | Sydney (Gather Wealth Pty Ltd, founded by former Finder product and engineering leads) |
Where Gather is the better choice
- Bank feeds: Open Banking sync from 250+ banks and providers, so balances and transactions arrive on their own. Compound has no bank logins by design.
- Broker, exchange and two super-fund integrations, plus on-chain crypto wallets.
- A tax-deduction assistant that flags likely deductions as transactions land, an AI money assistant, and a bill and subscription calendar with hidden-charge detection.
- Cheaper on the yearly plan: about A$120 a year (A$9.99 a month billed yearly) against Compound's A$149, and a longer trial (5 weeks, no card).
Where Compound is the better choice
- Platforms: web, iOS and Android. Gather's site offers an iPhone app only.
- Property depth: loans, offsets, usable equity, rental cash flow, borrowing power and development feasibility, not just a value and its loan.
- Super from any fund, modelled as locked until preservation age (60) and built into the projection, rather than integrations for two funds and manual tracking for the rest.
- Structures: personal, joint, family trust, company and SMSF, each on its own or combined. Gather does not mention entities.
- The projection: Compound projects the year your investments could fund your life, with Australian tax, capital gains and super access in the maths. Gather forecasts from your data but does not mention retirement.
- Couples in one household view, a business as an asset, and an EOFY tax pack per entity for your accountant.
Which should you pick?
If you want your bank transactions, bills and budget flowing in automatically on an iPhone, with deductions flagged as you go, Gather fits.
If you hold investment property, super with any fund, an SMSF, a trust or a company, use Android or the web, track wealth with a partner, or want the "when could I stop working?" projection, Compound is built for that. You get 30 days free, cancel anytime, to see your own numbers in it first.
Common questions
Is Gather free?
No. It has a 5-week free trial with no card, then it is A$14.99 a month or A$9.99 a month billed yearly. Compound is A$149 a year or A$14.99 a month, and every new account starts with 30 days free, cancel anytime.
Does Gather connect to my bank?
Yes, through Open Banking as a CDR representative, with 250+ banks and providers listed. Compound never asks for bank logins: you add what you own, listed holdings update from live prices, and you can import bank statements and contract notes.
Does Gather have an Android or web app?
Its site offers an iOS download only; Android and web are not mentioned. Compound runs on the web and has native iOS and Android apps.
Does Gather track super, trusts or an SMSF?
Super: its integrations list shows direct integration with CBUS and Rest and manual tracking for other funds. Trusts, companies and SMSFs are not mentioned. Compound tracks super from any fund, modelled as locked until 60, and holds assets under personal, joint, family trust, company and SMSF structures.
Can I use Gather and Compound together?
Yes. Some people use a bank-synced app for day-to-day transactions and Compound for the whole-of-wealth picture, structures and the retirement projection.
Sources for Gather, checked 3 November 2026: www.gatherwealth.com.au/, www.gatherwealth.com.au/integrations, www.gatherwealth.com.au/about, www.gatherwealth.com.au/gather-vs-pocketsmith. Compound’s own details: pricing, features.
See your own numbers in Compound
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