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Accounts

Accounts represent real-world places where money is held, such as checking, savings, or investment accounts.

What You Can Track​

  • Name (up to 50 characters)
  • Account Type: Checking Account, Savings Account, or ETF Portfolio
  • Initial Balance
  • currency

The currency is not selectable. A new account uses your base currency from Settings, and it cannot be changed in the app afterwards.

What You Can Do​

  • create an account
  • change the stored balance with the Balance button on the account card (confirm with OK, cancel with X)
  • delete an account (a confirmation says it cannot be undone)

Name and type cannot be edited after creation.

Balance vs. Monthly Balance​

The stored balance is a value you maintain by hand. Bookings (income, expenses, transfers) never change it. It is the starting point for the forecast of savings and ETF accounts.

The value shown on the account cards is different: the Monthly Balance of the current month, which is income minus expenses plus or minus transfers.

Account Detail and Forecasting​

Open an account to review account-specific activity and forecasts. The detail page uses income, recurring expenses, and transfers of that account, with a month selector and the Cashflow/Reserve switch. Daily expenses are not included in the account detail, the monthly balance, or the forecast.

The forecast can span 3, 6, or 12 months:

  • Savings and ETF accounts accumulate: the forecast starts from the stored balance and shows a "Cumulative Development".
  • Checking accounts show only the net movement per month ("Monthly Balance"), not a running balance.

Use account-level forecasting to check how transfers affect a specific account and whether income and expense timing is realistic.

Deleting an Account​

Deleting an account also deletes its expenses, daily expenses, income, import sessions, and all transfers where it is source or target. If the account is your reserve account, the reserve plan loses its reserve account and asks you to choose a new one.

Best Practices​

  • Create one Cashlytics account per real-world account.
  • Update the stored balance of savings and ETF accounts from time to time so the forecast starts from a realistic value.
  • Use transfers for movement between accounts instead of entering matching income and expense records.