Accounts

The Accounts tab lists everything you hold or owe — bank accounts, cards, loans, brokerage and retirement accounts, money people owe you. Each one has its own register of transactions, and your net worth is built from these balances (plus the things you track on Assets).

The sidebar shows your Net worth at the top, then All accounts, then your accounts grouped by type. Two or more accounts at the same institution fold together under the institution’s name. The figure beside All accounts is only your accounts added together, debts included. It leaves out what you own on Assets, so it can differ from net worth, even go negative while net worth is positive.

On a narrow window (a laptop, or Lucius open beside the register) the register sets the Memo column aside first, then squeezes the others, then Source. A row that needs review shows a small dot beside its amount while Source is away. Widen the window and every column you chose comes back. If even that is too wide, the register scrolls sideways and the Amount column stays pinned at the right edge, so amounts are always in view.

Add an account

Open Accounts and click Add account (top right). On a brand-new book, click Add an account myself instead — or Add with Lucius to do it in chat.
Name — what you call it, e.g. “Everyday account”.
Account type — click the type box to change it (it starts as Cash). Pick from the list, or type in the search box: “401k”, “CPF”, “mortgage”, “fixed deposit” all find the right type. See Which type to pick.
Currency — the currency the bank shows this account in.
Current balance (or Amount currently owed for a card or loan) — what it holds or owes today. Type 0 if it’s empty or you’d rather import its history. Enter what you owe as a positive number; the app knows a card or loan is a debt.
Click Add account.

The balance you enter is recorded as a Starting Balance transaction dated today — it’s the first line of the account’s register. The account appears in the sidebar straight away.

Type and currency can’t be changed later. If you picked the wrong one, delete the account and add it again.

Prefer to talk? Tell Lucius “Add my DBS savings account, SGD, about 12,400 in it” — it fills in the details and asks you to confirm.

Which type to pick

The type is the only thing that classifies an account. It decides whether the account is in your budget, whether it counts as cash you can spend, and whether it’s an asset or a debt.

Type	Use it for	In your budget?
Cash	Checking, savings, e-wallets, physical cash	Yes — this is your spendable cash
Fixed deposit	Time deposits, locked savings	No
Investment	Brokerage or crypto-exchange accounts (holdings + their cash)	No
Retirement	CPF, SRS, pension, 401(k), IRA	No
Receivable	Money someone owes you	No
Credit	Credit cards, buy-now-pay-later, lines of credit	Yes
Loan	Mortgage, car, personal, student or margin loan	No

Every type counts toward net worth. Cash on hand — the figure on the All accounts overview — is the total of your Cash accounts only; cash sitting in a brokerage or retirement account isn’t included.

A house, car or watch isn’t an account: add it on Assets and link the loan account that financed it.

Fill in the details (optional)

Open the account, click the ⋯ menu in its header → Edit account. Everything here is optional:

Institution — groups the account with others at the same bank or broker.
Note — anything you or Lucius should know (“joint account with Alex”).
Last 4 digits — helps Lucius and imports match the right account.
Credit details (Credit accounts) — Interest rate (APR, %), Credit limit, Statement closes (day) and Payment due (day). With these filled in, the card’s page shows when the next payment is due and how much, with a Remind me button.
Loan details (Loan accounts) — Interest rate (APR, %), Original principal, Payoff date, Minimum payment.
Interest rate (APY, %) (Cash and Fixed deposit) — shows a rough monthly and yearly interest figure.
Linked to — any bank connection feeding this account, with Unlink.

Click Save changes.

Change the starting balance or start date

The edit window shows the Starting balance read-only, with an Open link. Click Open to open the Starting Balance transaction and change its amount or date there.

The date is when your tracking starts: transactions dated before it are left out of the balance. If you import older history, move the Starting Balance date back (and adjust its amount) so the earlier transactions count. More in Accounts & opening balances.

The Starting Balance transaction can’t be deleted, merged or marked uncleared on its own — it only goes away when you delete the whole account.

Reconcile with your bank

When the balance in the app doesn’t match your bank:

Open the account and click Reconcile (on a narrow screen it’s in the ⋯ menu).
It asks “Is the real balance …?” showing the cleared balance — the part your bank has already posted. Pending (uncleared) transactions aren’t included, because they’re not on your statement yet either.
If it matches, click Yes, it matches. The account is marked Reconciled with today’s date.
If not, click No, type the Real balance, check the Adjustment it shows, and click Add adjustment. The app books one adjustment transaction for the difference.

Import a statement or connect a bank

Import (in the account header) reads a CSV, OFX, QIF, PDF or similar statement file — see Importing.
On a credit card, the due-date banner offers Import statement so the exact statement figures replace the estimate.
To sync automatically, set up a bank connection under Connectors — see Bank & brokerage connectors. Most accounts work fine entered by hand or from imported statements.
To log a purchase from your phone the moment you pay, All accounts → ⋯ → Phone shortcuts — see Log a spend from your phone.

Archive, restore or delete an account

Archive an account you’ve closed but want to keep the history of:

Open the account → ⋯ → Archive account → Archive.
It disappears from the sidebar; its transactions are kept.
To see it again, go to All accounts → ⋯ → Archived accounts, pick it, and click Restore account.

Delete an account that should never have been there:

Open the account → ⋯ → Delete account → Delete account.
If the account has no transactions — or only its Starting Balance — it’s deleted straight away.
If it still has other transactions, a second window says how many and asks you to Force delete and remove N transaction(s). That permanently removes the account and those transactions. If any are transfers, the other account loses its side of them too — the window names those accounts. This can’t be undone.

Some accounts can’t be deleted until you deal with what’s tied to them. You’ll see a message naming the problem:

the account is the loan on an asset (“…is linked to the loan on …”) — remove the loan from the asset’s Ownership section first;
it still holds open positions, lots or option contracts — close or move them first.

A commitment that points at the account doesn’t block the delete: the commitment and its funding sources simply stop pointing at it.

What Lucius can do here

Add, update, archive or delete accounts (it asks before deleting).
Reconcile a balance, or mark a batch of transactions cleared.
Answer “what’s my net worth?” account by account, or show how it changed over 1M, 3M, YTD, 1Y or all time.

Troubleshooting

An account’s balance is wrong after importing older history — the older transactions are dated before the Starting Balance, so they’re left out. Open the Starting Balance and move its date back (see Change the starting balance).

“Enter a valid current balance.” — the balance box must be a plain number (use 0 if unsure).

I picked the wrong type or currency — these are fixed once the account exists. Delete it and add it again; if it already has transactions, re-import them into the new account.

“Is the real balance …?” shows a different figure from the sidebar — Reconcile asks about the cleared balance only. The sidebar includes pending (uncleared) transactions too.