Questions, answered

A net-worth tracker for iPhone and Mac. You record what you own, owe, earn and spend — accounts, investments, crypto, liabilities, transactions — and it adds them up in one currency, keeps the history behind that number, and breaks down where the money went.

It runs on your device. There is no account to create and no server of mine involved.

Nothing. Free on the App Store, with no in-app purchases, no subscription, no trial and no ads.

This one is checkable in a second: there is no StoreKit anywhere in the source. The app has no code that could charge you.

No. It is one universal App Store listing — id 6777399748, listed as Wealth Compass Tracker. Get it on either device and it is available on the other.

iOS 17 or later on iPhone, macOS 14 or later on Mac. Those are the deployment targets in the Xcode project (IPHONEOS_DEPLOYMENT_TARGET = 17.0, MACOSX_DEPLOYMENT_TARGET = 14.0).

No. The Mac target is built against the macOS SDK, not Mac Catalyst. It has desktop navigation, real tables, a menu bar with keyboard shortcuts, AppKit open and save panels, and an in-window Settings page.

Install it and open it. There is no sign-up step, so the first screen you see is the app.

Add your first balance or transaction, then set the four things worth setting: base currency, language, whether Face ID or Touch ID unlocks the app, and — only if you want live prices — a market-data API key. All of it is in Settings, and all of it can wait.

No. It does not link to financial institutions, place trades or move money. You enter records yourself, or import a broker statement file you downloaded.

It is an informational tracking tool. It does not give financial advice and does not guarantee third-party price data.

Not of this app. Wealth Compass for iPhone and Mac is the only shipped version. There is an older, separate web app in the same repository — see the last section.

In one JSON file inside the app sandbox on your device: Application Support/Wealth Compass/wealth-compass-local-data.json.

The iPhone app and the Mac app each keep their own copy. iCloud sync is what joins them, and only if you turn it on.

No. There is no account, no login and no developer-operated server anywhere in the app. There is no backend that could hold your records, which is a stronger answer than a promise not to look.

Data Not Collected.

It comes from PrivacyInfo.xcprivacy, present in both the iOS and macOS resources. It declares NSPrivacyCollectedDataTypes as an empty array and NSPrivacyTracking as false. The only entry in it is a required-reason declaration for UserDefaults (reason code CA92.1) — the app reading its own settings.

Four, each only when a feature you switched on needs it: finnhub.io for stock quotes, api.coingecko.com for crypto prices, query1.finance.yahoo.com as a keyless fallback for listings Finnhub cannot price, and api.frankfurter.dev for exchange rates. Plus Apple iCloud, if you enable sync.

They are all listed in one short file, APIConfiguration.swift. There is no proxy of mine in the middle: every request goes straight from your device to the provider, so no server of mine sees your key, your address or which symbols you look up.

None. The Xcode project has no package dependencies at all — nothing third-party is linked into the app.

Yes. Face ID or Touch ID app lock, switched on in Settings. iPhone and Mac keep the setting separately, so locking one does not lock the other.

A switch that replaces every amount on screen with •••• and covers each chart with a blurred panel, so you can open the app next to someone. It changes what is drawn, not what is stored, and it survives a restart.

No, and that is deliberate. A PDF report or JSON backup contains the real amounts even while Privacy Mode is on, because a redacted financial statement is of no use to anyone. The export sheet tells you this before you export rather than letting you find out after you have shared the file.

It is off until you turn it on, in Settings, per device. When on, records go to your own private CloudKit database in the container iCloud.com.wealthcompasstracker — your iCloud account, not mine. Enable it on both devices to keep iPhone and Mac in step.

A private CloudKit database is reachable only by the signed-in Apple Account. A developer cannot read it, and this one has no server-side component that could try.

No. Finnhub and CoinGecko keys are stored in the Keychain with kSecAttrAccessibleAfterFirstUnlockThisDeviceOnly, which pins them to the device they were entered on and keeps them out of Keychain sync entirely. They never enter the JSON database, so they are never in a backup or in iCloud.

Settings, then Erase Everything. It wipes the local database, your settings and the stored API keys, and can delete the iCloud zone in the same step.

Yes, apart from fetching live prices. Exchange rates are cached locally after the first fetch and reused when there is no network, so conversion keeps working on a plane.

Finnhub, using an API key you create and paste into Settings. Finnhub’s free tier covers US listings; when it returns no quote for a symbol — typically a European-listed UCITS ETF — the app falls back to Yahoo Finance’s keyless endpoint, which also reports the listing’s own currency so the value is not silently treated as dollars.

CoinGecko. A demo key is optional and only raises your rate limit. Coins are matched to a CoinGecko id from a built-in map, or resolved through CoinGecko’s search when a holding has neither an id nor a known ticker.

Because the alternative is worse. Shipping one shared key means routing every request through a server of mine, which would then see your address and every symbol and coin you hold. Your key goes directly to the provider instead, and the app keeps no record of the lookup.

Only for automatic price refreshes. A Finnhub key is what unlocks investment price updates specifically. Without any key you can still enter and edit prices by hand, and every other part of the app is unaffected.

31: EUR, USD, GBP and CHF first, then the rest of the ECB reference set. Each holding keeps its own currency and everything is converted into the base currency you pick.

European Central Bank reference rates, fetched through Frankfurter and cached on the device. Settings shows the effective date of the rates you are currently on, and tells you when it is falling back to the cached set.

Yes, in two formats. A JSON backup is the complete database and can be imported back. A PDF report is a formatted statement — choose the whole thing or pick from overview, cash flow, investments and crypto, over all time, this year, the last 12 months, or a range you set.

Yes. Import a JSON backup either as a merge into what is already there, or as a replacement.

For the formats that have been implemented, yes: Trade Republic’s transaction export CSV, Revolut’s consolidated statement CSV, and two Trade Republic PDFs — the account statement and the net-worth statement, read with PDFKit on both platforms.

The format is detected from the file’s contents, not its name. Every imported record gets a deterministic id derived from the row, so importing the same statement twice does not double your ledger. A Revolut PDF is rejected on purpose, because its CSV carries the same data more reliably.

Yes. Give a transaction a frequency and it books itself on schedule, with an optional local notification reminder. The reminder is a local notification scheduled on the device; nothing is sent anywhere.

The app takes its own snapshots locally as your figures change, so the history chart is built from your own past states rather than reconstructed.

35, translated in Localizable.xcstrings. Among them Arabic and Hebrew, which the layout mirrors for right-to-left reading, plus both Chinese scripts, both Portuguese variants and both Spanish variants.

The App Store listing says 33, and both numbers are right. Apple lists one Spanish and one Portuguese where the app actually ships two of each — es and es-419, pt-BR and pt-PT — so the store count is 35 minus those two.

Yes. Settings has its own language picker, independent of the system language, so you can keep an English phone and an Italian app.

No, and the distinction is worth being precise about. It is source-available: every line is public on GitHub, and you can read it, build it and run it.

The licence is PolyForm Noncommercial 1.0.0, which is not an OSI-approved open-source licence, because it restricts the field of use. Calling the project open source would be inaccurate, so it is not called that here.

Anything noncommercial. Read the code, build both apps yourself, modify them, run your own copy, host the web app for your own use — for personal study, research, experiment, testing, hobby projects or an amateur pursuit.

What it does not permit is commercial use: selling it, shipping it inside a product you charge for, or running it as a paid service. If you want to do something commercial with it, write and ask.

Do not take them on trust — each one is a small file. PrivacyInfo.xcprivacy is the empty collected-data declaration. APIConfiguration.swift is the complete list of hosts the app contacts. MarketDataService.swift holds the Keychain accessibility flag that keeps your keys off iCloud. FinancePersistence.swift is where the storage path is set.

Open an issue on GitHub with what you did and what happened, or email if the details are personal. Worth doing: the app sends no diagnostics of its own, so a bug you do not report is one I may never see.

Before the Apple apps there was a Wealth Compass web app, and its source is still in the repository under web-app/. It is a separate program that shares the product idea and the JSON backup format but no code.

It is React, TypeScript and Vite in the browser, with Supabase behind it for storage and email-and-password sign-in, protected by Row Level Security. That means an account, and a database on a server. It is the opposite arrangement to the iPhone and Mac apps, and it is not what this site is about.

It is not where the work goes. It still builds and still runs, and the licence permits you to host it yourself for personal use, but new features are built for iPhone and Mac.

You do, in your own Supabase project — a real database on a real server, yours to secure, update and back up. Worth saying plainly, because it is a different set of responsibilities from the Apple apps, which have no server for anyone to look after.