A privacy-first personal finance and budgeting app for Bitcoiners. Track net worth, spending, and goals — denominated in sats, encrypted on your device.
Compass is a Bitcoin-aware budgeting and net worth app for people who already think in sats. Connect a bank, an exchange, or a spreadsheet — Compass tracks your net worth, spending, and goals the way a Bitcoiner actually measures them, not the way a legacy budgeting app assumes you do.
Everything is encrypted on your own device. No account is required to use the desktop app. Cloud sync is optional, not default.
Pay once, own Compass forever — no subscription, ever. Pay in Bitcoin or USD. 30-day money-back guarantee.
Most budgeting apps (Mint, YNAB, Monarch, Empower) treat Bitcoin as an afterthought — if they support it at all. If you hold BTC as a meaningful part of your net worth, you end up tracking it in a spreadsheet next to an app that only understands dollars.
Compass was built from the other direction: sats first, fiat as the secondary unit. Your net worth, your spending, your goals — all readable in BTC or your local fiat currency, side by side.
- Net worth in BTC and fiat — see your full financial picture in sats or 8 supported fiat currencies (USD, CAD, AUD, EUR, GBP, INR, JPY, CHF), side by side.
- Read-only wallet tracking — track balances via xpub. Your keys never leave your device, and Compass never has the ability to move funds. (verify this →)
- Spending, categorized in sats — necessary, discretionary, and wasteful spending, denominated in BTC.
- Goals — plan and track savings goals against your Bitcoin accumulation rate.
- Monthly reflections — a monthly summary of your accumulation and spending, shareable with the community.
- Encrypted local storage by default — your data lives in one encrypted file on your machine. No account, no server, unless you opt into sync.
- Cross-platform — desktop (Mac, Windows, Linux) and iOS, with optional encrypted sync between them.
- Pay in Bitcoin — lifetime license, purchasable in sats or USD. No recurring charge, ever.
Compass is built so that, by design, we can't see your financial data even if we wanted to:
- Your backup is a single encrypted
.compassfile that you own — USB, iCloud, wherever you put it. Restore it on any machine with your passphrase. - Wallet tracking uses your xpub, not your private keys. Compass can watch balances; it can never move funds.
Don't take our word for it — the code that touches your keys and your data is open source:
→ HRZN-BTC/compass-core — xpub derivation, encryption, and license verification, published openly so you can audit the privacy claims yourself. Includes a full network call log and threat model.
The application layer (UI, billing, sync infrastructure) stays closed source — but every line that touches your keys or your data is public.
| Platform | Link |
|---|---|
| Mac / Windows / Linux | compassbtc.app/download |
| iOS | App Store |
| Pricing | compassbtc.app — one-time lifetime license, pay in BTC or USD |
- compass-core — open-source security-critical packages (encryption, xpub derivation, license verification)
Questions or issues with the app: use the in-app support link, or reach out via compassbtc.app.