← User guide

Step by step

1. Add items in Categories → Assets (accounts, investments) and Liabilities (loans): New item, name and starting value.
2. When a balance or valuation changes, choose Update value in the item menu.
3. Record Contribution and Withdrawal — then the app separates your capital from the profit.
4. It is easiest to update everything at once each month, in the monthly review.

What you see in the Net worth tab

• An indented table of items: value, Profit / loss, Share of parent and share of the total. An item's own money above its sub-items is shown in the Free funds row.
• An item's History: updates, contributions and withdrawals — fix a mistake with the pencil or delete it with the bin.
• Changes in period: how much there was at the start and at the end, how much you added (Net contributions) and how much the market brought (Valuation change).
• Scenarios let you plan a target split of your wealth.

Set the default account (current account) in the account window — described in Expenses and income.

Debts

• Liabilities have a negative value (a 100,000 zł loan is −100,000 zł). You enter the debt amount and the app adds the minus.
• A contribution to a debt pays it off; a transfer from an account to the loan is an instalment payment.
• For a liability you can enter the monthly instalment and interest rate — they are used in the Budget (Liabilities section) and in the Debt payoff template.
• For an asset, tick Show in Budget to plan contributions (when adding or in its settings) to plan contributions to it in the Budget — e.g. buying gold every month.
• Close an item once it is paid off — it disappears from the totals but stays in the history.

FAQ