Accounts and currencies

Types

Cash, card, crypto, or your own type with any name you like. The type only affects grouping in the list — money counts the same everywhere.

The opening balance

When creating an account, say how much is on it now. That is the starting point; from then on only transactions move it.

Several currencies

Create one account per currency. Every transaction is stored in its account's currency and also converted into the budget's main currency at the rate on the day. So:

• reports add up correctly across currencies;
• past months do not change retroactively when a rate jumps.

The main currency is set in settings.

Credit cards

A credit card belongs in the Credit cards section, which carries the limit, the payment date and a reminder for it.

Pots and goals

Each goal has its own account. That money counts towards your net worth but is excluded from the "how long it lasts" forecast — money set aside should not look available.

Deleting

Accounts are archived rather than deleted, because a history of transactions sits behind them. An archived account leaves the lists while past reports stay correct.

Whose account it is

If people are set up under "Family", every account gains a "Whose account" field: one person, or "Common". From there the app sorts it out by itself — income arriving in someone's account is their income, spending leaving it is their spending.

Nothing needs tagging at each purchase, and everything already recorded is attributed at once, backwards too.

Totals by currency

Under the list sits a "Totals by currency" block: what you hold in each currency separately, before any conversion. That is the number you need when deciding what to change and when — the grand total in the main currency does not answer that question.

An account's currency cannot be changed

If the account already has transactions, the app refuses to change its currency and explains why: those transactions were recorded in the old one, and after a change the balance would be adding different money into a single figure. The right move is a new account in the currency you need, leaving this one with its history.

When the real balance has drifted

The "Set the actual balance" button on the account card. Enter what is there today and the difference is recorded as one line dated today: it does not count as spending and it does not touch earlier months.

This is the right way to square an account after a week without records. Hunting for the missing transaction one at a time usually takes longer and rarely works.

How many accounts are free

Five. Enough for cash, a local card, a foreign currency and a wallet app — which is the situation this app was built for. Beyond that is Plus.

How to keep track when you earn in one currency and spend in another — expenses in two currencies. What share of savings is sensible to hold in hard currency — saving in a foreign currency.