Compound

Compound is the budgeting app that doesn't leave you on your own. Connect your bank once and every transaction lands automatically, already sorted into categories you control. Set a monthly target for each one and Compound shows you, at a glance, exactly how much is safe to spend for the rest of the month — no spreadsheets, no manual entry, no math at the checkout line. The dashboard gives you the whole picture in a single screen: what came in, what went out, what you saved, and your net worth with how it moved since last month.

What makes Compound different is the second half of the name on the tin: a real financial coach, built into the same app. If you already work with a money coach, connect with their invitation code and they can see your budget and spending in read-only view — never your login, never the ability to change anything — so your sessions start from your real numbers instead of your best guess. If you don't have a coach yet, browse the directory of vetted coaches inside the app, read their specialties, and book an intro session. Messaging is built in, so the question you have on a Tuesday night doesn't have to wait for next month's call.

The budget itself works the way real months work. Each category shows what you've spent against what you planned, with a clear trend telling you whether you're running hotter or cooler than last month. When a category gets close to its limit while there's still a lot of month left, Compound notices and tells you before it becomes a problem, not after. Insights flag the things worth a second look — an unusually large charge at a merchant you normally spend little with, a category quietly creeping up, or the good news that you spent meaningfully less than usual.

Your transactions are always searchable, filterable by category and date range, and exportable. Recategorize anything with a swipe. Add notes so future-you remembers what that charge was. Pending charges are marked so you're never surprised by timing.

Households are first-class: share your budget with a partner and you both see the same numbers, the same categories, and the same progress.

Security is the foundation, not a feature. Compound signs you in with a magic link and optional two-factor authentication, supports fingerprint and face unlock, and connects to your bank through Plaid — the same connection used by thousands of financial apps — so Compound never sees or stores your bank password. Sensitive data is encrypted at rest, and you can export or delete your data at any time.

For coaches, Compound is a practice in your pocket. See every client's budget health on one screen, get flagged when someone's bank connection breaks or a budget goes over, review their month before a session, and capture session notes with structured templates — notes that are private to you and encrypted. Invite new clients by email and they're connected the moment they sign up.

Budgets fail when they depend on willpower alone. Compound pairs automatic tracking with human accountability, so the plan you make is a plan you actually keep. Download Compound, connect your bank, and make this the month it sticks.