Anyone can show you a chart. Fewer will show you the method.
Every formula in the app is written down — what it computes, the exact expression, a worked example, and how it is validated. You can read all of it without an account.
The build fails before your portfolio does.
Golden tests on the money math
The arithmetic is locked against hand-computed answers, and the build fails before your portfolio does.
ACB, capital gains, withholding, contribution room, the retirement simulator and the performance twin each have their own.
Adversarial data, not happy paths
The tests use the cases that actually break money code.
Stock splits, currency conversions, oversells, sign flips and one-off acquisitions.
Engines tested against each other
Where two engines answer the same question, they are checked for agreement.
The sustainable-spend figure must match the year-by-year simulator to the dollar, and its Monte Carlo odds are shown beside it once you set a spending target.
Deterministic by design
The same inputs always give the same answer.
A fixed seed on the simulation, and 27 rules with no randomness — each showing exactly which condition fired.
A number you can check beats a number you must trust.
CRA constants by tax year
The tax rates and limits are kept in one config file, keyed by the tax year they apply to. Source notes cover the brackets and some other sections — not yet every number.
One config file, served to the web and both phone apps, so they can never disagree.
Scope printed on the panel
Each figure says what it left out.
The performance twin discloses holdings-only, and treats dividends the same on both sides: reinvested in the index from the day they were paid.
Unknown data contributes nothing
When the app can't classify something, it says so rather than guessing.
An unrecognised fund category is counted as assumed equity and disclosed, never silently sorted.
A dash, not a fake number
A blank means it genuinely doesn't know.
Buying power shows "—" for a broker that doesn't report it, rather than a fabricated figure.
The engine never tunes itself
It grades its own past calls and hands the report card to a human.
Each verdict is logged with its date so it can be graded at 6 and 12 months. None has matured yet, so no forward hit rate is published. A separate test on US filers 2009–2022 found the score’s fundamentals ranked later peer-relative returns modestly well; its label cut-offs and valuation inputs are untested. The weights never move on their own.
Published limitations
It writes down what it cannot do.
The strategy engine's known gaps are named, including the events where it had no precursor at all.
Built by someone who files the same return you do.
CompoundWise started as one Canadian investor’s own portfolio tooling. Every rule in it exists because it was needed first-hand, not because it looked good on a roadmap.
It can never place a trade
Broker connections are read-only, and revocable whenever you like. The app can read what you hold. It cannot buy, sell, or move a dollar — not on your instruction, and not on its own.
Nothing is written without you pressing Confirm
Even the AI can only draft. A drafted trade takes the identical path as one you typed yourself, and it waits for you.
Your numbers stay yours
The page you are reading sets no cookies and runs no third-party trackers. Inside the app, your data is used to answer your questions — not sold, and not used to train anybody's model.
Anyone can show you a chart.
Fewer will show you the method.
Every formula in the app is written down — what it computes, the exact expression, a worked example, and how it is validated. No account needed to read it.
Golden tests on every money formula
ACB, capital gains, withholding, contribution room, the retirement simulator, the benchmark twin — each locked against hand-computed answers, with adversarial data: splits, currency conversions, oversells.
CRA constants in one config, by tax year
Brackets, inclusion rates, thresholds and contribution limits live in one config file, keyed by the tax year they apply to; source notes cover the brackets and some other sections, not yet every number. When a tax year changes, the config changes, not the code.
Scope printed on the panel
The performance twin discloses that it is holdings-only and that dividends are treated the same on both sides — reinvested in the index from the day they were paid. The asset mix discloses what it had to assume was equity.
Deterministic by design
The retirement simulation uses a fixed seed, so the same inputs always give the same odds. The 27 rules have no randomness and show which conditions fired.
CompoundWise is research software, not a registered adviser. Scores, fair values, labels including “Buy” and “Sell”, AI output and tax figures are informational signals and estimates — not investment, tax or legal advice. Every decision is yours, and the app never places a trade.