Compound · For Financial Coaches
Your Clients' Real Numbers — Live, in One Dashboard.
Compound is the budgeting app built for financial coaches, advisors, and planners. Walk into every session already knowing exactly where your client stands.
Apply free · 30-day trial once approved · no credit card required
Every coach application reviewed by a human.
You Can't Coach What You Can't See.
The Spreadsheet Problem
Clients send a spreadsheet once. It goes stale before the next session. You're coaching off month-old data.
The Self-Report Problem
Clients tell you they're budgeting. You have no way to verify, no way to course-correct between sessions.
The Catch-Up Problem
Every session starts with 10 minutes of "what happened since last time?" instead of doing the actual work.
Compound gives you a live, read-only view of every client's budget and transactions — so every conversation starts with facts, not guesses.
Three Steps to a Smarter Coaching Practice.
Sign Up in Two Minutes
Tell us about your practice and agree to the Coach Agreement. Every application is reviewed before we grant access to client financial data — you'll hear back within 2 business days. No certification required.
Invite Your Clients
Send a single email. Your client sets up their Compound account in minutes, connects their bank securely via Plaid, and you're in.
See Every Client's Live Data
Budgets, accounts, transactions, goals — all read-only, updated in real time. Add encrypted session notes only you can see.
Your subscription covers your own Compound app too — use the same tool your clients use, on your own money.
One Platform. Two Sides of the Table.
For Coaches
Coach a Full Book Without Ever Flying Blind
- Live client dashboard — every client at a glance
- Read-only access to budgets, accounts, transactions, and goals
- Book-of-business insights — net worth, savings rate, budget health
- Encrypted session notes — coach-private by design
- Action items, goal proposals & two-way client messaging
- AI session brief — what changed since last time, before every call
- Compliance-ready PDF exports + bulk client outreach
- Client invitation system + your own public coach profile
- Full audit log — clients can see every access you make
- Your own Compound app included — no separate consumer subscription
For their clients
A Real Budgeting App — Not a Watered-Down Portal
- Automatic bank sync via Plaid — checking, savings, cards, loans
- AI-categorized transactions you can correct in one tap
- 12-week cash-flow forecast with bill calendar
- Sinking funds, debt payoff, and shared family goals
- Year-end tax category map for deductible spending
- Weekly Budget Health Score with AI-generated narrative
- Recurring subscription audit + anomaly alerts
- Bank-level encryption — keys never leave Cloudflare
Your Clients' Data, Treated Like Your Own.
Bank-Level Encryption
Plaid access tokens encrypted with AES-256-GCM before storage. Session notes encrypted at rest. Keys never leave Cloudflare.
Read-Only by Design
Coaches can read a client's financial data but never move money or edit it. Collaboration tools like notes and goal proposals are additive — the client always owns their data and can revoke access in one click.
Built on Trusted Infrastructure
Powered by Plaid for bank connections — the same technology trusted by Venmo, Robinhood, and thousands of other financial apps.
Coach Plans Built Around Your Client Load.
30-day free trial once approved · no credit card required · cancel any time
Your subscription covers your own Compound app — no separate consumer plan needed. Clients pay $12/mo (or $99/yr) for the app, billed to their own account.
Questions We Get a Lot
Financial coaches, advisors, planners, and anyone who runs a money-coaching practice with a book of clients. No certification required — apply at /coaches/apply and we’ll review your application within 2 business days.
YNAB and Monarch are built for individuals. There’s no coach dashboard, no session notes, no client invitation system, and no book-of-business view. Compound is the only budgeting platform built around the coach-client relationship as a first-class feature — not a bolt-on. Your clients get a full-featured budgeting app; you get live visibility into every account. If you just want a budgeting app for yourself, any of those tools will serve you. If you’re running a coaching practice, none of them will.
Your clients see the full Compound app — budget, transactions, goals, accounts. You see the same data, read-only. They never see your session notes; you can never make changes to their data.
Yes, anytime — from their settings page. Every coach access is surfaced in their transparency log so trust stays mutual.
Your coach plan covers the platform for you, including your own Compound app. Each client pays $12/month (or $99/year) for their Compound subscription, billed to their own account — separate from your coach plan.
If a client cancels, their Compound app pauses but their data stays safe. If you cancel your coach plan, you lose dashboard access but your clients keep everything — Compound is theirs, not yours.
Yes. Plaid access tokens are encrypted with AES-256-GCM. Session notes are encrypted at rest. Database queries are scoped per-user and only the customer, their connected coach, and platform admin can read their rows.
Yes. Compound is a complete budgeting app on its own — start a 7-day free trial at $12/month. The coach features are entirely separate.
No. There's no legal requirement for a financial coaching credential and we don't require one. Anyone running a coaching practice is welcome — we review every application to understand your practice before granting client data access.
Ready When You Are
Stop Coaching from Spreadsheets.
Apply for Compound for Coaches and get live access to every client's budget — so every session starts with facts, not guesses.
Just for Me?
Use Compound Without a Coach.
Compound is a serious budgeting app on its own. Start a 7-day free trial — no credit card, no coach required.