Compass Financial

I built this because I wanted to see where my money goes without giving a startup my banking credentials.

Compass reads the CSV and spreadsheet exports your bank already gives you. There is no aggregator, no server, no account, and no subscription. Everything lives in a SQLCipher AES-256 database in your own user profile, with the key in Windows Credential Manager or the macOS Keychain.

The obvious tradeoff: you have to export the file yourself. There is no sync, and no live balances. If that is a dealbreaker, Monarch or Mint are genuinely good and you should use it.

What I think is actually interesting, beyond the privacy angle:

• Net worth is drawn as depth. Zero is a waterline; what you own sits above it, what you owe hangs below. If you are underwater, it measures the pace you have actually been climbing at over six months and projects the month you cross zero. It refuses to guess: three months of data minimum, and if the trend is flat or falling it says so instead of inventing a date.
• A flow map that traces one month of money from paychecks through accounts out to bills, categories, cards and savings, with transfers paired from both sides so nothing is counted twice.
• Interest paid and earned, read from the interest lines on your statements rather than estimated.

Stack is Tauri 2, React 19, Rust, SQLite with SQLCipher. The financial logic lives in pure, unit-tested modules, which matters more than usual when the output is someone's money.

MIT licensed. Windows builds are code-signed; macOS is still unsigned and beta.