📖 About

Accounts lets you track bank account balances and transactions. Each account lives in its own Google Sheet file in your Drive. Transactions can be allocated to expenses, income, subscriptions, ongoings, receipts, and transfers, so your bank statement reconciles against your records.

🏗️ Creating an Account

Tap ⋮ → New account file, enter a name, then set:

• Account type: Everyday, Savings, Credit Card, or Loan (customisable in System Settings)
• Opening balance: the balance when you started tracking
• Credit limit: for credit accounts (leave 0 otherwise)

Edit these later via ⋮ → Edit account details.

💳 Recording Transactions

Tap + Add transaction to record a debit (money out) or credit (money in). Enter a positive amount and use the Debit/Credit toggle. The app stores the sign for you.

The summary card shows Balance (opening balance + all transactions), Credit Limit, and Available (balance + credit limit). The balance always reflects the full history, regardless of any filters.

🔎 Filters

The collapsible Filters section offers a date window (the same Past/Future presets, custom range, and All time as Expenses) plus an allocation filter: All / Allocated / Unallocated. Use "Unallocated" to find transactions you haven't linked to anything yet.

🔗 Allocations

Open a transaction to allocate it. A single transaction can be split across multiple allocations of six kinds:

• Expenses: link existing expenses, create a new pre-filled expense, or create a receipt
• Income: link one or more income entries to a deposit
• Subscriptions: tie a payment to a subscription
• Ongoings: tie a payment to an ongoing bill
• Receipts: link to a receipt (with suggested matches by date and amount)
• Transfers: link to a transaction in another account (see below)

🔁 Transfers Between Accounts

A transfer links a transaction to a matching transaction in another account file (e.g. a credit card payment from your everyday account). Links are written to both sides, so either account shows the connection. You can pick an existing transaction (with suggested matches by amount and date), or create the other side on the spot.

🚦 Transaction Statuses

Each transaction shows a status of New, Partial, or Allocated, computed automatically from how much of the amount has been allocated. You can override it with a manual status on the transaction form; pick "Auto (computed)" to hand control back. Manage the status list in System Settings → Accounts → Transaction statuses.

📄 Importing Statements with AI

Tap ⋮ → Import from statement… and pick a bank statement file (PDF, CSV, or image). Gemini AI parses it and presents the transactions for review. Untick any you don't want, then import. Available on Silver (via BudgetClan AI credits) and Gold (via your own API key). See AI features.

👯 Duplicate Transactions

If a statement overlaps transactions you already entered, by hand or in an earlier import, the review screen flags them for you. A transaction counts as a possible duplicate when it has the same date, the same amount, and a similar description as one already in the account (or as an earlier row in the same import).

Flagged rows are unticked automatically and marked with a ⚠ note naming the transaction they look like. Nothing is blocked. If it really is a separate transaction, just tick it back on and it imports normally.

You can also run the same check at any time, not just during import, via ⋮ → Check for duplicates…. Pick a date range (defaults to the current month), and any matching groups are listed for review; open a transaction to edit it, or delete the one you don't want. If a bank timestamped a transaction a day either side of when you expect it, widen the ±1 day / ±3 days tolerance on the results screen. This is available on every plan, including Bronze.

🔀 Merging Duplicate Transactions

If two transactions really are the same one entered twice, you can merge them into a single record instead of just deleting the extra one, so you don't lose whatever the duplicate had allocated or linked. Three ways to start a merge: long-press a transaction and choose Merge with…, open a transaction and use ⋮ → Merge with…, or tap Merge… on a group in the duplicate check screen.

You'll pick the other transaction, then choose which one survives (the one you started from is selected by default, but you can switch). The surviving transaction keeps its own date, description, amount and status, and absorbs every allocation and link the other one had, including transfers to other accounts. Any notes on the transaction that's removed are added to the survivor's notes rather than lost.

This is available on every plan, including Bronze.

⚡ Import Rules

Import rules automatically allocate transactions by matching their descriptions, e.g. "every transaction containing NETFLIX links to my Netflix subscription". Manage them via ⋮ → Import rules…, run them over existing transactions via ⋮ → Run import rules…, or let the app offer to run them right after a statement import.

See the full guide: Import rules.

💱 Currency

Each account file has a base currency (long-press the file chip → Base currency). Linking across files with different currencies prompts for a conversion. See Multi-currency.