Compound vs Richify
The short answer: Richify is a free-to-start AI money app with an AI "CFO" and a long list of Australian calculators. Compound is a paid tracker built around one question: across everything you own, in every entity, what year could your investments fund your life? Pick Richify if you want free and conversational; pick Compound if you hold property, trusts or an SMSF and want the projection modelled properly.
We make Compound, so read this knowing that. Every fact about Richify 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 | Richify | |
|---|---|---|
| Price | A$149/year or A$14.99/month; 7 free days, no card needed | Free plan, with paid upgrades (see their pricing page) |
| Free plan | No free plan | Yes |
| Bank connections | No bank logins: manual-first, with bank-statement import (CSV, Excel, PDF) | No bank linking required (manual entry) |
| Shares & ETFs | Yes: ASX and US shares and ETFs at live prices, in A$ | ASX shares tracked |
| Property | Yes: value, loans, offsets, usable equity, rental cash flow, development feasibility | Investment property tracked |
| Super | Yes, modelled as locked until preservation age (60) | Tracked |
| Crypto | Yes: exchange read-only keys or public wallet addresses | Tracked |
| Platforms | Web, iOS, Android | iOS, Android |
Where Richify is the better choice
- It has a free plan. Compound does not.
- It is built around AI: an AI "CFO" you talk to, with specialist agents, plus a broad set of Australian calculators.
- It tracks things Compound treats more lightly, such as vehicles, and HECS-HELP is front and centre.
Where Compound is the better choice
- Entities: Compound tracks wealth held in family trusts, companies and SMSFs separately and combined, which matters if you hold property in a trust.
- Property depth: loans, offsets, usable equity, rental cash flow and development feasibility, not just a value.
- The projection: Compound projects the year your investments could fund your life with Australian tax, capital gains and super locked until 60 in the maths. The maths is deterministic and every assumption is visible; AI never does the numbers.
- Tax time: an EOFY pack per entity for your accountant.
- Web as well as iOS and Android.
Which should you pick?
If you want a free, conversational money app and your wealth is mostly in your own name, start with Richify.
If your wealth sits across property, super, shares and structures (a trust, a company, an SMSF), and the question you care about is "when could I stop working?", Compound is built for exactly that. You get 7 free days, no card needed, to see your own numbers in it first.
Common questions
Is Richify or Compound better for Australians?
Both are built for Australia. Richify is free to start and AI-led; Compound is paid and built for whole-of-wealth tracking across entities, with a financial-independence projection that models Australian tax and super. Which is better depends on whether you want free and conversational, or depth on property, trusts and SMSFs.
Is Compound free like Richify?
No. Compound is A$149 a year or A$14.99 a month, and every new account starts with 7 free days, no card needed.
Do either of them need my bank login?
No. Richify says no bank linking is required, and Compound never asks for bank logins: you add what you own, listed holdings update from market prices, and you can import bank statements.
Sources for Richify, checked 7 October 2026: www.richify.ai/au, www.richify.ai/au/wealth-tracker, www.richify.ai/au/net-worth-tracker. Compound’s own details: pricing, features.
See your own numbers in Compound
Property, super, shares, cash, crypto and business in one view, and the year your investments could fund your life. 7 free days, no card needed.
Get started →