Your Personal
Earnings Operating System
Work. Earn. Rent. Grow.
Not a budgeting app. Not just a tracker.
iOS & Android — coming soon
Income this month
A$4,820+12%
Goal
A$5,000
Core philosophy
The five-stage intelligence loop
Powered by CompassInsightEngine — the central intelligence layer connecting every module.
Track
Every dollar from every stream
Understand
Patterns, costs, real net income
Predict
Forecasts, goals, pacing
Guide
Actionable Compass insights
Grow
Consistent, compounding progress
Architecture
Built to be fast, private, and intelligent
Local-First
- Offline-ready by default
- Private by design
- Fast — no network dependency
- Data lives on your device
Optional Cloud Sync
- Premium backup & restore
- User-controlled sync
- Outbox-based — corruption-safe
- Wipe → restore guarantee
CompassInsightEngine
- Central intelligence layer
- Drives all features & goals
- Prediction + pattern recognition
- Single source of earnings truth
5 income modules
Built for every way you earn
Whether you work one gig or five — IncomePilot has a dedicated module built around how that income actually works.
Every rate, every shift.
- Penalty rates, multi-rate shifts & allowances
- Paid vs unpaid break tracking
- AU award support built in
- PAYG income summary, tax-ready
Job-based. Client-level. Controlled.
- Job-based logging per client
- Pending vs paid invoice tracking
- Wages paid to contractors
- ABN income tracked automatically
Know your real net rate.
- Session-based Uber Eats / DoorDash style logging
- Fuel, vehicle & operating cost tracking
- Real net hourly rate per platform
- Mileage log for tax deductions
What you actually take home.
- Trips, hours & platform fee breakdown
- Vehicle expense & depreciation
- Compare net across platforms
- True hourly rate after every cost
From one item to a full rental business.
- Inventory, availability & booking management
- Payment status & rental history
- Profit per item analytics
- Never double-book again
Fixed recurring income, completed.
Regular pay cycles, tax withholding, net vs gross — the full picture for salaried workers.
Passive growth, tracked.
Dividends, returns, and passive income streams — completing your full earnings picture.
One unified calendar — across all 5 modules
Shifts, freelance jobs, delivery runs, rideshare trips, and rental bookings all flow into a single integrated calendar. Plan your week, spot gaps, and see exactly what's earning — at a glance.
Predicts what's coming next
CompassInsights learns from every module you use. It reads your earnings history, spots patterns across your shifts, gigs, and rentals, then predicts — not just reports — so you can act before slow periods hit.
Predicts slow periods before they arrive
Based on your historical earning patterns
Forecasts if you'll hit your income goal
Updated in real time as you earn
Surfaces high-value earning windows
Knows when your best shifts & gigs happen
Cross-module income intelligence
Learns from shifts, gigs, rentals — all at once
Smart features
Everything you need. Nothing you don't.
Unified Work Hub
One entry point for every income type. Shared tax logic, insights, and reports across all modules.
One-tap Logging
Minimal friction. Start a shift, end a session, log a job — in seconds. Advanced mode always available.
Goals System
Set weekly, monthly, or annual targets. CompassInsights calculates effort, pacing, and time to completion.
Insights & Predictions
Summaries now. Prediction charts, trend analysis, and actionable prompts rolling in next.
Coins, XP & Levels
Motivation through consistency — not gimmicks. Rewards built around habits that actually matter.
Smart Notifications
Contextual, low-frequency, high-relevance. Human tone. Not a spam machine.
Calendar
Premium. Past work, upcoming sessions, and forward projections — all in one view.
Reports & Tax
AU-first, globally expandable. Clean exportable summaries for PAYG, ABN, or self-employed.
Security & Privacy
Your data. Your control.
IncomePilot is built local-first and designed so that you — not the platform — decide what leaves your device.
Local-first data
Your data lives on your device by default. No forced cloud, no surveillance.
Premium cloud backup
Premium unlocks secure cloud backup and restore. When those features are active, your data is kept safely backed up to protect your progress.
Sync integrity by design
Data moves through a structured process before reaching any cloud layer — keeping your records consistent and corruption-resistant.
Auditable by design
IncomePilot is built so that calculations, summaries, and data rules are clean, testable, and independent of the interface.
Hardening roadmap
Encryption at rest, TLS pinning, and session isolation are in the active security pipeline.
Restore & continuity
Premium users can back up their progress to the cloud. Wipe, reinstall, and restore — your earnings history comes back with you.
Why IncomePilot
A unified earnings intelligence platform
Most apps track the past
We guide the future
CompassInsights predicts slow periods, forecasts goal completion, and surfaces what to do next — before you need to ask.
Most apps handle one income type
We unify every stream
Shifts, freelance, delivery, rideshare, and rentals — one platform that understands how independent workers actually earn.
Most apps show charts
We tell you what to do next
Insights without action are noise. Every Compass insight surfaces a clear next step tied to your goals.
The team
Built by people who understand independent work
Jaibin Jose
Founder & Architect
Designed, engineered, and shipped IncomePilot from the ground up — architecture, product, and every line of core logic.
Jerlit Joseph
Business & Operations
Drives go-to-market strategy, partnerships, and the commercial layer that turns great software into a sustainable product.
IncomePilot is coming soon
iOS and Android apps are in final development. Follow along and be first when they land.