Getting Started
First-Run Setup
The setup interview — household, accounts, categories — and the Import Wizard that fills them.
Importing Your First Statement
Download a file from your bank, review how it will be interpreted, and commit it.
Finding Your Way Around
The navigation rail, command bar, tabs, Inspector, search, and the F1 user guide.
The Overview Dashboard
The four tiles, the trend, Needs Attention, and what every panel links to.
Keyboard Shortcuts
The keys that drive the application.
Importing
Supported File Formats
CSV, TSV, OFX, QFX, and QIF — and what happens when a file can't be recognized.
When Your Bank Isn't Recognized
The guided mapping flow: propose columns, prove the sign against the balance, save the profile.
Duplicate Detection
Why overlapping statements never double up — and what happens with genuinely identical rows.
Import History and Rollback
Every import is a recorded session — inspect it, preview a rollback, undo it as a unit.
Import Evidence
Every imported number can show the exact source row it came from.
Accounts & Everyday Money
Accounts and Balances
Account types, anchored opening balances, and why a card reads “$415.12 owed.”
Reconciling an Account
Check the ledger against a real statement, transaction by transaction.
Categories and Payees
The category list that powers budgets and reports, and how payee names work.
The Register and All Transactions
Reading and editing transactions: running balance, inline edits, filters, and copy-out.
Transfers Between Accounts
Money moved is not money spent — recording linked transfers correctly.
Planning
Budgets
Planned vs. actual by category — and why buying crypto isn't counted as spending.
Cash Flow Forecast
Project your balance forward: the chart, the lowest point, scenario items, and overdraft warnings.
Bills and Income
Scheduled items: recurrence, fixed vs. variable amounts, and the upcoming timeline.
Goals
Savings targets with progress and required contribution — plus crypto allocation caps.
Investments & Crypto
Investment Accounts and Holdings
Brokerage and retirement accounts, holdings, prices — and why “unpriced” is never $0.00.
Cost Basis and Tax Lots
FIFO lots, unknown-never-zero basis, and per-lot capital gains for taxes (Pro).
Crypto Wallets and Exchanges
Track wallets by public address only, match transfers, and handle spam tokens safely.
Reports & Analysis
Your Data & the Application
Backups and Restore
Back up on demand, watch the status, verify the archive, restore when needed.
Multiple Financial Files (Profiles)
Separate files for separate lives — switch, create, and try the sample data safely.
Privacy and Your Data
Local file, no telemetry, no bank credentials, no cloud — what that means concretely.
Display and Readability
Dark and light themes, Bold Mode for readability, and a layout that adapts.
Editions: Essentials and Pro
What's in each edition — and what is never gated.