Wealth Compass

Wealth Compass is a complete personal finance tracker built offline-first — no account, no login, no ads. Your financial data stays on your phone unless you explicitly choose to export or back it up elsewhere.

TRACK YOUR NET WORTH
See all your assets and liabilities in one place — bank accounts, cash, stocks, mutual funds, FDs, RDs, PPF/EPF/NPS, gold, crypto, real estate, credit cards, and loans. Your net worth updates automatically as you add transactions, and a trend chart shows how it's moved over time.

INVEST WITHOUT THE GUESSWORK
- Buy and sell stocks, mutual funds, and other assets with proper FIFO lot tracking and cost-basis accounting
- Set up SIPs and recurring deposits with monthly reminders
- Track fixed deposits with automatic compound-interest calculations
- Get short-term vs. long-term capital gains estimates when you sell
- Support for foreign-currency holdings (US stocks, etc.) with separate price and currency gain tracking
- Set target asset allocation percentages and see how far off your actual mix is
- Optionally fetch live prices for stocks, mutual funds, and crypto with one tap — always manual, never automatic

BUDGET THAT ACTUALLY REFLECTS YOUR LIFE
- Custom income and expense categories with subcategories
- Monthly, yearly, or financial-year budget views
- Visual ring-based budget tracking for every category
- See income vs. expense trends over the last 12 months
- Search and filter your full transaction history

SET AND TRACK GOALS
- Link specific investments to a goal to track progress automatically
- See exactly how much you need to save each month to hit your target
- Track an emergency fund separately, with automatic coverage estimates based on your spending

STAY ON TOP OF WHAT'S DUE
- Recurring bills, EMIs, and SIP installments show up when they're due — nothing posts automatically without your confirmation
- Optional local notifications remind you ahead of time
- See a full debt payoff projection for your loans

BUILT FOR PRIVACY
- Offline-first — every core feature works with zero network access
- No account or login required
- No ads, no analytics, no third-party tracking
- The only network requests the app makes are optional, manual live-price lookups (public ticker only, never your data) and letting you pick a backup destination — nothing about your finances is ever transmitted
- Optional biometric app lock
- Encrypted, password-protected local backups whenever you want one
- Optional automatic backups that survive even an app uninstall

DESIGNED FOR INDIA, USABLE ANYWHERE
Defaults to INR with India-specific asset types (PPF, EPF, NPS) and budget categories, but currency and categories are fully customizable — use it comfortably from anywhere.

Wealth Compass is for anyone who wants a genuinely private, complete picture of their money — without handing their financial data to a server.