Accounts

An account is anything that holds money or debt: a checking account, a credit card, cash in your wallet, a loan, a retirement account or your home. Every transaction belongs to one account.

The Accounts page shows your net worth over time, your assets and liabilities by kind, and every open account grouped by type, with its balance and how that group changed over the last month. The sidebar shows the same balances: All accounts is your net worth, For budget adds up the accounts your budget uses, and Off budget the rest.

Adding an account

Choose Add Account (on the Accounts page, or Add account in the sidebar), then enter:

• Account Name, like "Chase Checking".
• Account Type (see below).
• Currency, if it isn't your budget's: a euro account next to dollar ones, say. Its amounts stay in it; see Currencies.
• Current Balance as of today. For a credit card or loan, enter what you owe as a positive number; FlyBudget records it as a debt.
• Off budget, ticked for you on investments, property and loans (see below).

To create accounts from your bank instead, connect a bank: FlyBudget adds its accounts for you, or links them to accounts you already have.

Account types

Group	Types	On budget by default
Cash	Checking, savings, cash	Yes
Credit	Credit card, line of credit	Yes
Investments	Investment, retirement, crypto	No
Property	Real estate, vehicle, valuables	No
Loans	Mortgage, auto loan, student loan, other loan	No
Other	Other asset, other liability	No

Credit cards, lines of credit, loans and other liabilities are debts: their balances are negative and count against your net worth.

On budget and off budget

Money in on-budget accounts is money you plan with: its income counts toward To Be Budgeted and its spending shows up in your categories. Off-budget accounts (investments, property, loans) still count toward your net worth, but their transactions stay out of the budget. Change it for any account with the Off budget box in its Edit dialog.

An account's register

Click an account to open its register: its balance, type and every transaction in it. From the header you can:

• Add Transaction or Import CSV (see Transactions and Importing transactions).
• Update value (or Update balance for a debt) for investments, property and loans.
• Reconcile it against a bank statement.
• Edit it.

Updating the value of an investment or property

Homes, cars and investment accounts usually don't have transactions worth entering one by one. Choose Update value, enter what it's worth today, and FlyBudget adds a dated adjustment for the difference, so your net worth history stays right.

Adjustments (from Update value or from reconciling) change the balance and your net worth, but they aren't money earned or spent, so income and spending reports leave them out. If you give one a category, it counts like any other transaction.

Reconciling

Reconciling checks that FlyBudget agrees with your bank. Do it when a statement arrives, or whenever the balances look different.

1. Open the account and choose Reconcile.
2. Enter the Statement Balance from your statement or online banking, and choose Start Reconciliation.
3. Tick each transaction that appears on the statement. FlyBudget shows the balance of what you've ticked and the Difference from the statement.
4. When the difference is zero, choose Finish. If you can't find what's missing, choose Create Adjustment instead: FlyBudget adds a reconciliation adjustment for the difference.

Reconciled transactions get a lock icon and can't be edited or deleted, so rules and bank sync never change them.

Editing and closing an account

Edit changes the name, type, starting balance and whether it's off budget, and lets you add a logo (a PNG, JPEG or WebP image, cropped to a square) in place of the colored initials. You can hide account logos everywhere in Settings → Preferences → Icons.

Close Account (at the bottom of the Edit dialog) takes it off the sidebar and the Accounts page, and out of your net worth, including its history (so an account added by mistake leaves no trace there). Its transactions stay in spending and income reports. Undo right after closing brings it back.

To change the order accounts appear in, use Settings → Accounts. On the Accounts page, Sort (next to Add Account) can instead list each group by balance (high to low or low to high, where a bigger debt counts as a higher balance), by number of transactions or by name, or go back to Manual order (the one from Settings). This device remembers your choice.