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Compound for iPhone and iPad · Jaceal LLC

Email [email protected] and a person will answer. Include your iOS version and what you were looking at, and it will be answered faster.

Scenarios and folders

A scenario is one account: a starting amount, a contribution, a rate and a span. A folder is a person, and it adds their accounts together. Tap + to make either; whatever you make opens straight away so you can see it.

To reorder anything, hold the grip on the right of the row and drag. Dragging an account onto another person's folder files it there, and folders drag the same way with their accounts following. Swipe right on a folder to send it straight to the top or bottom; swipe left on anything to delete it, with a few seconds to undo.

Summary cards

A summary adds up the folders you choose — the two of you, the kids, everyone. Tap + → New summary, pick the folders, and name it. In its options you can keep it pinned at the top, move it to the bottom of the list, or turn on Hide amounts so it shows dots until you tap it.

Keeping numbers private

Swipe on any folder or account, or open its options, and mark it Private. Its amounts show as dots on the list and in Compare until you open it, so you can show someone the app without showing them your balances. A private folder makes every account inside it private too. Revealed amounts hide again when you leave the app.

Why is the after-tax number lower than the balance?

Because a pre-tax 401(k) balance is not money you can spend — the tax simply has not been collected yet. Compound applies the withdrawal rate you set to pre-tax accounts, capital gains to the growth in taxable accounts, and nothing to Roth and HSA money. Set your own rates in the folder, under Assumptions. They are your rates, not ours: they depend on your income, your state and the year you retire.

Paying in for only part of the plan

Set Years to the whole span and Pay in for to the shorter contributing period. A custodial account paid into until a child is 18 and then left alone until they retire is Years 65, Pay in for 18. The chart marks the year the deposits stop, and the headline reports the balance at that moment as well as at the end.

Will it last? Pro

Open a folder and tap Will it last? It spends that person's accounts down year by year in the order that costs the least tax, and tells you whether the money survives the span you set. It also solves for the largest amount you could take each year and still finish at zero.

That screen assumes one steady return every year, which no real portfolio delivers. What it does not model at all: Medicare premiums and the IRMAA surcharge, the net investment income tax, and the rule that makes part of a Social Security benefit taxable.

What if the market misbehaves?

Under the verdict there is a link to a bad start. Two retirements with the same average return end differently if one meets its bad years first, because money withdrawn from a fallen portfolio is not there for the recovery. That screen runs your plan through every stretch of years the market has actually produced since 1928 — the real S&P 500 total return, the real 10-year Treasury return and the real inflation of each of those years — and reports a count rather than a probability: how many of those retirements survived, which ones did not, and the largest amount you could have taken that would have survived all of them.

The stocks-and-bonds mix is yours to set, and it is rebalanced back to that target every year. More in shares widens the spread: it makes the good histories better and the bad ones worse.

Market and Treasury returns are from Aswath Damodaran at NYU Stern; inflation is the CPI series published by the Federal Reserve Bank of Minneapolis. Ninety-eight years is a small sample of a future that has never been run before, and surviving all of them is not a promise.

Tax brackets, RMDs and Social Security

By default every pre-tax dollar is taxed at the one flat rate you set on the person. Nobody actually pays that: the standard deduction comes off first, then the money fills 10%, then 12%, and only what is left reaches the rate you typed. Turn on Use 2026 federal brackets on the Will it last? screen and the tax is worked out properly, which almost always makes the answer better. The brackets rise with inflation in the model the same way they do in life.

Choose your State on the same screen and its top rate is applied, flat, to pre-tax withdrawals. That is an approximation — real state rules have brackets, exemptions and age thresholds it does not model — but it is far closer than pretending everyone lives somewhere without a state tax. Rates are from the Tax Foundation for 2026.

Fill in your age and an RMD start age and required minimum distributions are modelled on the IRS Uniform Lifetime table: from 73 or 75, depending on your birth year under SECURE 2.0, the law empties the pre-tax account on a fixed schedule whether or not you wanted the money, taxes it, and anything above your spending lands in the taxable account. The Joint Life table, which applies when a spouse more than ten years younger is the sole beneficiary, is not modelled.

Social Security or a pension goes in as money that arrives anyway, after tax, with the year it starts — so you can weigh claiming at 70 against 62. It reduces what the accounts have to find; it does not get added to them.

Roth conversions

Between the last paycheque and the first forced withdrawal there is usually a stretch of unusually low income, and it is the cheapest time there will ever be to move money out of a 401(k). The Roth conversions screen shows how much more ordinary income fits before the next rate starts, year by year, what filling that room costs in federal tax, and what the same money would cost if it came out later instead.

It does not tell you whether to convert, and it cannot. That depends on whether you can pay the tax from outside the account — if you cannot, most of the advantage goes — on the Medicare IRMAA surcharge two years afterwards, on state tax, on ACA premium credits if you are not yet 65, and on the five-year rule for converted money. Talk to someone who can see all of it first.

Reading the charts

Tap the chart, or hold and slide, to read any year: the balance, what you had put in by then, and on the Compare tab every line at once. A dotted line means the projection has gone past the end of the plan — nothing more is being paid in, the balance is only compounding. Set how far out on the Compare tab.

Compound Pro

Compound is free, with no time limit and no ads: unlimited accounts, the charts, goal seek, Compare, sharing, backup, privacy and one folder with its after-tax total. Compound Pro is a single $4.99 in-app purchase (the price may differ outside the US) that adds a folder for everyone else in the household, summary cards, and the retirement tools: Will it last?, the history stress test, the four withdrawal strategies and the Roth conversion planner.

It is not a subscription. You pay once, it never renews, and there is nothing to cancel. Nothing you have already made is ever locked — Pro only stands in front of adding a new folder or summary and opening the retirement tools.

Restoring Pro on a new phone or iPad

Sign in with the same Apple ID, open Settings → Compound Pro and tap Restore purchase. It is also on every Pro screen. You will not be charged again. If it says no purchase was found, check that the App Store is signed in with the Apple ID you bought it with (iOS Settings → your name → Media & Purchases).

Family Sharing

Compound Pro supports Family Sharing. If you are the family organizer, or purchase sharing is turned on for you, up to five other family members get Pro on their own devices at no extra cost — they may need to tap Restore purchase once. Each person's scenarios still stay on their own device; Family Sharing shares the purchase, not the data.

Ask to Buy, and purchases that are waiting

If a purchase needs a parent's approval, Compound says it is waiting and unlocks Pro the moment it is approved — there is no need to buy it again.

Refunds

Apple processes every purchase, so refunds are requested from Apple at reportaproblem.apple.com. We never see your payment details and cannot issue refunds ourselves — but if something is wrong with the app, email us too, because we would rather fix it.

Backing up, and moving to a new phone

Compound stores everything on the device and nothing on a server, so a backup is yours to keep. Settings → Backup & restore writes a single file wherever you choose — iCloud Drive, Files, or an email to yourself. Restoring it on a new phone brings everything back. There is no account to sign into, which also means there is nothing for us to recover if you lose the file.

Deleting your data

Settings → Delete everything removes every scenario and folder from the device. Deleting the app does the same. We hold no copy, so there is nothing else to delete.

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