One Cash Compass premium subscription covers up to five household members through Apple Family Sharing — separate accounts, shared subscription, no extra cost.
Apple-native · No bank logins · iCloud sync
Premium ($29.99/year) is shareable via Apple Family Sharing across up to five household members. Each person uses their own Apple ID, sees their own transactions, and gets their own iCloud sync — but only one person pays. Compare to Monarch ($14.99/month per household), Copilot ($13/month), YNAB ($99/year typically per user — they offer family pricing but it's separate). Cash Compass treats family as a default.
Family Sharing in Cash Compass gives each family member their own private budget in their own iCloud. A partner doesn't see your transactions, kids don't see parent finances, parents don't see kids' allowance spending. This is the right model for most families — you want everyone tracking, not everyone in one merged ledger. Couples who do want shared visibility can use the same Apple ID, though that's a bigger commitment.
Family Sharing uses your existing Apple Family group — if you already share Apple Music, iCloud+, or App Store purchases with your household, the same group covers Cash Compass premium automatically. No separate Cash Compass family signup, no extra logins for kids, no account-recovery hassle. The whole flow is Apple's existing infrastructure, which most families already have configured.
Voice, photo of a receipt, or 3-tap manual entry — every method takes under 5 seconds.
Cash Compass picks the category automatically. Override once and it learns your pattern.
Weekly chart shows where money went. Adjust caps before the month is over, not after.
Apple Family Sharing is a built-in iOS feature — you set up a Family Group in Settings under your Apple ID, invite up to five other Apple IDs (typically spouse, partner, kids), and designate yourself as the Family Organizer. Cash Compass premium is purchased through StoreKit with "Share with Family" enabled by default. Once you subscribe, every member of your Family Group automatically gets premium entitlement on their own devices. They install Cash Compass from the App Store on their iPhone, sign in with their own Apple ID, and premium activates without them paying anything. Each person's data stays in their own iCloud account; the subscription is the only shared item. The Family Organizer can revoke sharing if needed, but the default is that everyone in the family gets premium.
Family Sharing requires the premium subscription ($2.99/week or $29.99/year). The free tier doesn't include Family Sharing because there's nothing to share — free is just the local app. Premium is what unlocks the household pricing benefit. One paid subscription, five users covered. To put it in context: if a couple plus three kids each want unlimited voice transactions, unlimited receipt scans, CSV export, and iCloud sync, paying for that on competitors would be $50-75/month total. With Cash Compass, it's $29.99/year total — about $0.50/month per person. The honest caveat: each family member uses Cash Compass independently. There's no shared transaction list, no parent-monitoring of kid spending. That's by design for privacy.
YNAB has "YNAB family" pricing that's effectively the same price as YNAB regular but with multiple logins, and it requires manual administration. Monarch has a household plan around $14.99/month that explicitly supports two adults in one budget. Copilot is single-user only. Mint never had real family support. Goodbudget supports two devices on the same account. Cash Compass's model is different: instead of merging family finances into one shared ledger (Monarch's approach), each person gets their own private budget under the household subscription. This is closer to how families actually share Apple Music or Netflix — same plan, individual accounts. For couples who want a merged household view, the YNAB or Monarch model fits better. For most families, separate-but-paid-once is the right shape.
Setting up Family Sharing takes about five minutes and is worth doing regardless of Cash Compass — it also unlocks shared App Store purchases, shared Apple Music, shared iCloud+ storage, and shared Apple TV+. To set it up, open Settings on your iPhone, tap your name at the top, then Family. Tap "Set Up Family," choose what to share (recommended: subscriptions and purchases), and invite family members via Messages or email. Each person accepts on their own iPhone. Once the family is configured, your Cash Compass subscription automatically extends to all five members at no extra cost. If a family member doesn't have an iPhone, they can't use Cash Compass — the app is iOS-only — but they could still benefit from your Apple Music subscription on Android via the Family Group.
Built native for iPhone, iPad, and Mac with iCloud sync. Works offline.
No bank logins, no Plaid, no data sales. All data lives in your iCloud.
Manual entry, charts, category tracking — all free, forever. Premium is optional.
Apple Family Sharing covers up to five members on one premium subscription. Each person gets their own private budget.
Download Cash Compass on the App Store