Your money is compounding.
With you, or against you.
Every raise you ever got. Every bill that quietly crept. The day this month's spending meets its ceiling, and the decade the house pays off. It's all already in your numbers — Compound is how you finally see it. On your device. Never on a server.
Your bank has years of your history. Compound makes it confess.
Somewhere in your statements is the month your spending started outrunning your raises. The subscription that's had three price increases while you weren't looking. The merchant that quietly became your biggest habit. These patterns have been compounding for years — you've just never been shown them. Export your statements from your bank's own website (CSV, OFX, QFX, QIF, even PDF), drop them into Compound, and the History deck reads the whole story back. No bank password. No aggregator. Nothing leaves the device.
It finds the exact month things changed. Then it names what moved.
Every raise your paycheck ever took, drawn as a staircase. Against it, the share of that paycheck your spending claims — and when that share breaks upward, Compound locates the change point and attributes it to the categories that actually moved. No vibes. Arithmetic.
- Re-imports dedupe. Re-import the same file twice, nothing doubles.
- The dishwasher and the emergency vet get tagged one-off, so a crisis never poses as a trend.
- Transfers, savings and card payments are never counted as spending — on either side of any ratio.
- Under three full months of data, it refuses to rate you. Absence of evidence is not a grade.
The contracts that quietly got dearer — with a seasonal power bill deliberately excluded, because winter isn't a price hike.
Not the CPI. Your inflation, computed from what you actually buy, merchant by merchant.
Every raise your income ever took, dated and drawn — including the one your spending absorbed within a month.
Change-point detection over spending's share of your paycheck, attributed to the categories that drove it.
Your top merchants as narratives — the rivalry between two coffee shops included. Eleven analytics deep.
Which months always run hot, which years were smooth, and which were chaos — separated so neither lies about the other.
This month's burn inside its corridor, projected to the day the ceiling is met — bills separated out so day one never reads as a catastrophe.
A credit at a merchant you have debit history with is a refund, not income. Small distinction. Every total depends on it.
It writes you the read. It is never allowed to invent a number.
On Apple Intelligence-capable devices, the on-device model writes each deck's narration — plain sentences about your month, your burn, your bills, your years of history. And it operates under a rule most AI products won't give you in writing: the model may write the sentences; it may never write a number. Every figure in every generated line is checked verbatim against your actual data. One invented digit and the whole output is discarded for a deterministic, tested fallback.
"Housing took $2,340 this month and $612 of it stayed with you as equity. Three bills moved — Lumastream 4K is up for the second time this year. The month's room runs out on the 23rd at the current pace." WORTH KNOWING · generated on-device, every figure verified against your ledger
- The narration never leaves your device. Not to Apple, not to us — there is no us to send it to.
- Gated on honesty: a thinly-logged month gets no AI praise, because the model is never handed facts your data can't support.
- One switch turns it off. Every surface falls back to the same fixture-tested written copy.
- On devices without Apple Intelligence, everything still works — you get the written read instead.
Every other finance app starts by asking for your bank password.
Compound never asks, because it has nowhere to send it. There is no Compound server. No account, no login, no database with your name in it — not because we promise not to look, but because there is nothing to look at.
It lives on your devices and in your own iCloud. That's the whole map.
Your numbers sync between your devices through Apple's CloudKit, inside your Apple Account. Every field that describes your finances uses CloudKit's end-to-end encrypted fields — which means Apple can't read them either.
- Every amount, label, date, rate and address: encrypted. No exceptions.
- The only things that sync in the clear are random record IDs, list sort orders and a setup timestamp — plumbing with no money and no names in it.
- Imported statement history stays on the device it was imported on, excluded even from your own backups — unless you flip one switch, and then it travels the only way we'd let it: end-to-end encrypted fields in your household's own iCloud, deletable any time.
- Account numbers are scrubbed at import and replaced with made-up labels. The original statement file is deleted after a clean import.
- Face ID or Touch ID to open. Delete the household and it's gone from every device — we hold no copy to forget.
Two questions change every day. The decks that answer them cost nothing.
Most finance apps answer a question whose answer changes once a month — no wonder they get deleted in week three. Pulse answers the two that change daily: what's left, and will it last? Those decks are free. Not a trial. Free.
What's left to spend, whether it lasts, and where it went.
A live cash balance that moves by itself: state what the account holds once, describe your paychecks, and from then on paydays land on schedule, bills and purchases come out, and the number on screen is the number in the account.
- The month's burn inside its corridor, projected to the day the ceiling is met.
- Money kept is priced as what it buys: days of freedom, and its invested value at your horizon.
- Budgets, category trends, and a bill watchdog that flags the streaming bundle that crept 4%.
- "Hey Siri, log a purchase in Compound." No unlock, no typing.
- When it hasn't got enough data to rate you, it says so — no invented scores, ever.
Then there's the part that changes your decade.
The free decks tell you about today. The full deck tells you what today is doing to the next twenty years — and it's where the numbers get large enough to lose sleep over. Or stop.
What does an extra $250 a month actually buy?
Six years and change, on the loan in this example — and $82,568 of interest that stays in your account. Drag the lever and the date moves with it.
- Refinance break-even, in months, with closing costs included.
- Recast versus keep-paying — and which one is actually the worse deal.
- Biweekly and thirteenth-payment strategies, side by side.
- The equity carve-out: the slice of every payment that's yours, drawn peeling out of the expense it hides in.
A future with dates on it, and a daily habit that gets you there.
Where you land in sixteen years isn't one number, and Compound refuses to draw it as one. You get the range, the median, the milestones — and pacts: one verifiable promise at a time, settled by your own ledger.
- Dated milestones: six months of runway, mortgage under $250k, halfway to free.
- Scenarios — a raise, a lump sum, a move — compared before you commit.
- Pacts with real stakes: kept, broken, or unproven. A streak on your lock screen, with no dollar amounts on the glass.
- A kept pact makes a shareable card that says what you did — never what you have.
- Resilience: how long you'd last on zero income, priced against your real bills.
No bank connection. Here's why that's the feature.
Automatic bank syncing is not free. It is paid for with your credentials, a third-party aggregator holding them, your transaction history sitting readable on someone's server, and a subscription to cover it all. Compound doesn't make that trade. Instead you get two ways in, and both keep your password where it belongs:
Day to day you log it. Deep history, you import it.
Logging a purchase takes about twelve seconds — two taps, or one sentence to Siri. And for the past, your bank will hand you its own export files; Compound reads them on the device and hands back years of patterns. Nobody in the middle.
- Recurring bills post themselves every month once set up.
- Paychecks land on the live balance automatically, on their own schedule.
- Statement import: CSV, OFX, QFX, QIF and text-layer PDFs, parsed on-device — a file it can't parse honestly, it refuses rather than guesses.
- People who enter their own numbers know their own numbers. That's not a bug.
| What it costs you | Bank-linked apps | Compound |
|---|---|---|
| Your bank credentials | Required | Never asked |
| Who can read your transactions | Them, and their aggregator | You. Encrypted from us and Apple |
| Transaction history | Synced via their servers | Imported from your bank's own export, on-device |
| Account to create | Email + password | None |
| AI insights computed | On their servers | On your iPhone — Apple Intelligence, zero cloud calls |
| Analytics & tracking SDKs | Typical | Zero |
| Price | $95–$110 / year, forever | Two decks free · $4.99 once for everything |
| If their servers are breached | Your history is in it | There are no servers |
One household. Both of you. One set of numbers.
Compound was built for a couple who were tired of one person owning the spreadsheet. Share the household and both phones show the same truth the moment either of you changes anything — still end-to-end encrypted, still nobody else's business.
Invited through Apple. Not through us.
The invitation is created and delivered by Apple's own sharing sheet. We never see who you invited, or that you invited anyone.
- Either side can revoke access at any time.
- iPhone, iPad and Mac, same household, in step.
- Statement history syncs to the household only if you turn it on — end-to-end encrypted — or moves by AirDrop if you'd rather it never touch a cloud.
- Locks itself behind Face ID after your chosen idle window.
The daily decks. Not a trial — no clock, no card, no account.
- Pulse — the live cash balance, today's room, the month's landing
- Expenses — budgets, bills, the burn corridor, the bill watchdog
- Siri & Shortcuts logging, Face ID lock, full encryption
- Household sharing for both of you
One purchase unlocks the other four decks, forever — every update included. $95–110/yr
- Mortgage — payoff lever, refinance break-even, recast math
- Horizon — the range of futures, milestones with dates on them
- Journey — pacts, the daily check-in, streaks, the widget
- History — statement import and the whole pattern engine
- Family Sharing — your partner doesn't buy it twice
Why we can charge once: no server bills, and no data broker to pay per connected bank account every month. Their pricing isn't greed — it's their cost structure. We just don't have it.
The questions we'd ask too.
How do I get my transactions in without a bank login?
Two ways. Day to day, you log purchases yourself — two taps, or “Hey Siri, log a purchase in Compound” without unlocking your phone; recurring bills and paychecks post themselves once set up. For history, every bank's website has an export button: download CSV, OFX, QFX, QIF or PDF statements and open them in Compound. They're parsed entirely on your device, account numbers are scrubbed before anything is stored, and the original file is deleted after a clean import. What we will never add is a live bank connection — that requires your credentials or an aggregator holding them, and both break the promise this app is built on.
What does the AI actually see?
Nothing that leaves your device. On Apple Intelligence-capable devices, the on-device model writes short narrations from a fact sheet computed from your data — and every number in its output is checked verbatim against that sheet. If the model states a figure your data doesn't contain, the entire output is discarded and you get the written fallback instead. There are no cloud AI calls, no OpenAI, no API keys, no telemetry. There's also a switch in Settings that turns generation off entirely. On devices without Apple Intelligence, you simply get the written copy — everything else works identically.
What happens if Apple gets breached?
The fields that matter — every amount, label, date, rate and your address — are protected with CloudKit's end-to-end encryption, so they are not readable by Apple and would not be readable by anyone who obtained them from Apple. The rest are random identifiers, list sort orders and timestamps; there is no financial information among them. Your imported statement history reaches iCloud only if you turn its sync on, and then only as end-to-end encrypted fields — otherwise it stays on the device, excluded even from backups. We can't promise any system is impenetrable, and we don't. But we hold nothing, so there's no second copy anywhere to lose.
What do you collect about me?
Nothing. No account, no email, no analytics, no crash-reporting service, no advertising identifier, no third-party SDKs of any kind. Apple gives every developer aggregate, anonymous App Store statistics — install and crash counts — and that's the only thing that ever reaches us. It contains no financial information and can't identify you. The full detail is in our privacy policy.
What exactly is free, and what's paid?
Pulse and Expenses — the decks you'd touch every day — are free with no time limit, no feature countdown, and no account. One in-app purchase of $4.99 unlocks the other four decks (Mortgage, Horizon, Journey, History) on iPhone, iPad and Mac, forever, with Family Sharing so your partner doesn't pay twice. If we ever build something big enough to charge for again, it'll be a separate optional purchase you can ignore — never a subscription that switches off what you already paid for.
Android? Web?
No, and not soon. The privacy model is Apple's platform — CloudKit end-to-end encryption, on-device Apple Intelligence, the Secure Enclave, file protection tied to your passcode. A web version would mean running a server, which is the one thing we don't do.
Is this financial advice?
No. Compound is a calculator and a ledger for numbers you supply. Its projections are arithmetic on assumptions, not predictions, appraisals or quotes — check anything that matters with your lender or a licensed advisor before you act on it. See our terms.