Find the details you need to verify, recover, or update your budget.

You can mix approaches account by account and connect later. Recurring setup is optional. Your timezone lives in Settings → Workspace.

Recorded actual

Accepted posted income or spending, dated to the transaction month. Includes unplanned activity; pending and reversed records are excluded.

Matched to plan

The amount allocated to a planned item in its planning month. A partial or cross-month match can differ from recorded actual.

Unallocated actual

The remaining amount of recorded activity after its matches, including partial matches. It is valid to leave activity unplanned.

Reserved payment

A recorded payment waiting for clearing evidence. Match a bank transaction or confirm its clearing date manually from Payments clearing; a fresh balance alone does not settle it.

Bank evidence attached to an existing transaction

Source confirmation for a manual or statement movement already recorded. Attaching and detaching changes the evidence link, while retaining the original transaction.

Source date and last checked

The source date says when the balance applied. Last checked says when the app fetched data. Refresh does not make an old bank balance current.

Use source labels and transaction links in Activity and recurring suggestions to inspect the evidence. Review the connected or manual and statement walkthrough for the complete path.

Accounts starts with your net worth and tracked accounts. Expand Net worth history for trends, or open an account for its app balance, projection, and recent activity. How this balance is calculated reveals source evidence; Movement and history reveals charts and exact records. Manage groups snapshots, recurring connections, import history, and account settings.

From Accounts → Bank connections, create an app-specific Setup Token at SimpleFIN Bridge and paste it into your self-hosted app. Map each discovered account to an existing account or create one. Tracked accounts shows App balance and Bank balance side by side, with source dates and a visible review action when needed. Open the account name for details, or use its ••• menu for imports, balance edits, and connection settings. A separate SimpleFIN subscription is required; bank sign-in and billing happen at SimpleFIN.

Review a bank balance before using it in app calculations. Confirm whether the bank already included your recorded payments and activity on the balance date. The bank source time and last refresh attempt are shown separately. Available balances are labelled separately, and credit-card availability is not cash for bills.

Optionally fetch recent transactions, review posted activity, match existing plans or recorded payments, and pair transfers when both sides arrive. Pending activity remains separate. Matching a payment settles its reservation without deducting it twice. Review possible CSV or manual duplicates before accepting new activity. Undo acceptance to correct a match; closed months must be reopened first.

Refresh manually with a 15-minute cooldown, or opt into twice-daily refreshes. Data depends on when each institution updates SimpleFIN. Missing or failed accounts retain their last saved balance. The app supports the workspace currency; other currencies are excluded.

Entry forms offer an optional transaction time. Untimed incoming money sorts first and untimed debits last on their date, without showing assumed times. Set the workspace timezone under Bank connections. Explicit times are retained in cloning and backups.

Portable Backup v2 includes bank history and payment evidence, but excludes access credentials. Restored connections are disconnected until reconnected with a fresh token. Disconnecting keeps saved financial history; revoke the app at SimpleFIN to remove remote access too. New signups initialize the supported ledger automatically. Existing workspaces retain the audited operator upgrade process.