01
Cash
Current accounts, savings and Premium Bonds
A provider-agnostic view of your UK finances
Your financial life is bigger than your bank account.
Bring cash, investments, pensions, property, crypto and debt into one honest household picture. Then see what changed, why, and whether anything actually needs your attention.
Manual-first · no bank passwords · export and deletion controls · educational information, not financial advice
Morning briefing
Illustrative household · today
Net worth
£384,250
+£1,284 yesterday
Here's why
- Global equity funds+£814
- Crypto+£428
- SIPP contribution+£42
The recorded change was led by global funds and crypto; the SIPP contribution added £42.
Property 38%Pensions 27%Investments 21%Cash 9%Crypto 5%
ISA · market-pricedPension · manual balanceHome · manual balanceMortgage · manual balance
The partial-picture problem
Seven apps. One half-answer.
A bank app knows your bank balance. A broker knows the investments it holds. A pension portal knows one pension. Each view can be accurate and still fail to answer the question that matters: “What is our household position?”
Linking a current account can save time. It does not make an old pension, your home, a crypto wallet or the mortgage on the other side of the balance sheet magically appear. Compass starts with completeness, not whichever provider happens to own the app.
02
Investments
ISA, GIA, funds, shares and workplace schemes
03
Pensions
SIPP, workplace and older defined-contribution pots
04
Property
The estimated gross value of your home and other property
05
Alternatives
Crypto, physical gold and other valuable assets
06
Debt
Mortgage, loans and cards — because liabilities count too
How Compass works
Complete first. Explain second.
The clever bit is not collecting more charts. It is knowing what the numbers include and what changed.
01
Add the awkward bits
Enter accounts in plain English, add them manually, import a broker CSV or use a supported read-only wallet. Review everything before it becomes part of your picture.
02
Keep the inputs honest
Keep market-priced holdings distinct from manually updated balances and estimates. A useful total should make its assumptions visible, not merely look precise.
03
Understand the movement
Your briefing connects market moves, balance updates, debt reduction and goal progress—then says plainly when nothing material needs attention.
More context, less noise
A dashboard tells you the number. Compass explains the day.
One household, clearly labelled
See the combined position and still understand what is yours, your partner’s and joint.
Scenarios grounded in your figures
Explore a market fall, mortgage overpayment or different monthly contribution with the assumptions shown.
Goals with a real denominator
Track mortgage payoff, retirement, ISA and other targets against the accounts that actually fund them.
AI with a narrow job
AI explains structured context; it does not get open-ended access to your account or permission to make changes.
A useful briefing sounds like this
“Your net worth rose £1,284 yesterday. Global funds contributed £814, crypto £428 and a recorded SIPP contribution added £42. Those movements reconcile to the recorded change.”
Illustrative example. Compass explains the data you record; it does not invent portfolio figures or recommend a transaction.
Use something useful now
No account required for the calculators.
Start with the question in front of you. Entries remain in your browser and are not added to Compass.
Whole picture
Net worth calculator
Count the assets and liabilities that provider-led views tend to leave behind.
Monthly reality
Budget planner
Work out the margin without forcing your life into a magic percentage rule.
Long-term illustration
UK FIRE calculator
Explore a financial-independence target with editable, visible assumptions.
Two questions, not one
A budget keeps the month standing. Net worth shows the direction of travel.
Cash flow
Can this month work?
Income less bills, commitments, flexible spending and irregular costs. It catches pressure that a healthy-looking asset total can hide.
Balance sheet
Are we building resilience?
Everything owned less everything owed. It catches long-term progress that one month’s spending view cannot see.
Straight answers
Before you put your finances in another app.
Do I have to connect a bank account?
No. Compass is manual-first: add balances yourself, import a broker CSV or connect a supported read-only wallet. You can build a useful picture without handing over a bank login.
Does Compass give financial advice?
No. Compass organises information, explains recorded changes and runs illustrations using assumptions you can inspect. It does not tell you what to buy, sell or transfer.
What happens to the information I add?
Your account data is used to provide the features you request. Compass names its providers, limits what is sent to each one, and gives you export and deletion controls.
Can I track a household rather than one person?
Yes. Accounts can be marked as yours, your partner’s or joint while net worth remains a combined household figure. Those labels are for planning, not a statement of legal ownership.
One place to start from
Stop mentally adding six apps and subtracting the mortgage.
Build the whole picture once. Let Compass do the arithmetic—and explain the movement—after that.