Accounts & Account Management

📱 Overview

Accounts are the foundation of your financial data in FinyxFin. This guide covers checking, savings, cash, credit card, and brokerage accounts. Brokerage accounts are created and managed from the Investments module — they appear here automatically once created.

ℹ️ Important

FinyxFin is a personal finance organization tool designed to help you track and understand your finances. Calculations, imported data, summaries, projections, and classifications should be reviewed before relying on them for financial, tax, accounting, or legal purposes.

🏧

Checking

Everyday spending accounts

🐷

Savings

Accounts for saving money

💵

Cash / Wallet

Track physical cash

💳

Credit Cards

Manage credit with limits & APR

🪪

Digital Wallet

Manage Digital Wallet

📈

Brokerage

Investment account for stocks, ETFs & more

📊 The Accounts Dashboard

Open the Accounts section from the sidebar to see all your financial accounts at a glance.

Dashboard Summary

At the top, you'll see a summary including:

Net Worth — Total assets minus total debt
Assets — Sum of all positive account balances
Debt — Sum of all negative balances (credit cards, etc.)

Filtering Accounts

Use the filter at the top to switch between views:

Filter	What It Shows
Active	Accounts currently in use (default view)
Archived	Accounts you've archived
All	Both active and archived accounts

ℹ️ Note

The filter selection is not persistent — it resets to "Active" when you reopen the Accounts screen.

➕ Creating Accounts

1

Click Add Button

From the Accounts dashboard, tap the Add button or use keyboard shortcut ⇧⌘N on mac

2

Select Add Account

Choose "Add Account" (not "Add Transaction")

3

Enter Account Details

Name, initial balance, and account type

4

Choose Color

Pick a color for easy identification

5

Create Account

Tap Create to finish

Creating a Savings Account

For savings accounts, simply enter the name, set your current balance, choose a color, and save. The account will appear in your list immediately.

Creating a Cash / Wallet Account

Cash accounts are useful for tracking physical money. Create one to monitor the cash in your wallet separately from your bank accounts.

✅ Automatic Updates

Once created, all accounts appear in the account list, and your Net Worth updates automatically to reflect the new balances.

💳 Credit Card Accounts

Credit card accounts have special features to track limits, interest, and due dates.

1

Enter Account Name

Name your credit card (e.g., "Chase Sapphire")

2

Enter Initial Balance

If you owe money, enter as negative (e.g., -500 for $500 debt)

3

Select Credit Card Type

Choose "Credit Card" — icon and behavior change automatically

4

Add Credit Card Details

Credit limit, APR, statement due date, last four digits

5

Choose Color & Create

Pick a color and tap Create Account

💡 Negative Balances for Debt

If you already owe money on your credit card, enter the balance as a negative value. For example, -$500 represents a five-hundred-dollar debt.

Credit Card Display

Once created, credit card accounts show additional information:

Credit Limit — Your maximum spending limit
Outstanding Balance — Current amount owed
Available Credit — Remaining credit available
Due Date — When payment is due
APR — Annual percentage rate for interest

📈 Brokerage Accounts

Brokerage accounts are a special account type that connects to the Investments module. Use them to hold your stock, ETF, and other investment positions.

How Brokerage Accounts Work

Cash Balance — The brokerage account tracks your available cash balance, which changes as you buy and sell holdings
Investment Transactions — Buy, Sell, and Dividend transactions are recorded directly from the Investments module and automatically update the brokerage account balance
Net Worth — The brokerage account's cash balance is included in your net worth calculations

ℹ️ Brokerage Accounts Are Created from the Investments Module

You cannot create a brokerage account from the Accounts screen. Go to Investments → Add Brokerage Account to create one. Once created, it will appear in your Accounts list automatically. See the Investments guide for the complete setup workflow.

💡 Offline & Private

FinyxFin does not connect to brokerage firms or banks. All investment data is entered manually or imported via CSV. Your data stays entirely on your device.

💰 Funding a Brokerage Account

Brokerage accounts usually receive money from another account before you invest. In most cases, the recommended way to add money to a brokerage account is by transferring funds from one of your bank or cash accounts.

Recommended Method: Transfer

The best practice is to use a Transfer transaction to move money from a checking, savings, or cash account into your brokerage account.

Open Add Transaction
Select Transfer
Choose your bank account as the source
Select your brokerage account as the destination
Enter the amount

This approach keeps your financial records accurate and ensures that your total net worth remains consistent across all accounts.

Transactions from the Add Transaction Screen

✔ Transfer is allowed and recommended
✖ Income is not allowed when adding transactions directly to a brokerage account
✖ Expense is not allowed when adding transactions directly to a brokerage account

Adding Money from the Brokerage Detail Screen

When viewing a brokerage account's detail screen, you may also see an option to add funds directly to the account. This can be recorded either as:

Transfer — recommended when the money comes from another account
Income — only appropriate when the money represents new income entering your finances

In most situations, funding a brokerage account should be recorded as a Transfer, since the money typically comes from another account you already track.

💡 Tip

After funding the brokerage account, you can use the Investments module to record Buy, Sell, and Dividend transactions. These investment transactions automatically adjust the brokerage account's available cash balance.

📁 Archiving & Unarchiving

Archive accounts you no longer use to keep your dashboard clean without losing data.

How to Archive

On Mac: Right-click the account → select Archive
On iOS: Swipe left on the account → tap Archive

⚠️ Net Worth Impact

Archived accounts no longer affect net worth calculations. Their balances are excluded from Assets, Debt, and Net Worth totals.

Viewing Archived Accounts

Use the Archived filter at the top of the Accounts screen to see all archived accounts.

How to Unarchive

To restore an archived account:

Switch to the Archived filter
Open the account or right-click it
Select Unarchive

The account will return to your active list and its balance will be included in net worth again.

🔍 Viewing Account Details

Click on any account to open its detail screen.

What You'll See

Current Balance — The account's present value
Net Flow — Overall money movement
Transfers — Money moved to/from other accounts
Expenses — Money spent from this account
Income — Money received into this account
Upcoming Transactions — Scheduled future activity

You can filter transactions by month, year, or custom date range to focus on specific periods.

Available Actions

From the account detail screen, you can:

Edit Account — Change name, type, and metadata
Adjust Balance — Add, subtract, or set a new balance
Archive Account — Remove from active view
Delete Account — Permanently remove (cannot be undone)

ℹ️ Edit vs. Adjust

"Edit Account" changes account details like name and type. To change the balance, use "Adjust Balance" instead.

⚖️ Adjusting Account Balance

Need to correct an account balance? Use the Adjust Balance feature.

Three Adjustment Options

➕

Add Money

Increase the balance by a specific amount

➖

Subtract Money

Decrease the balance by a specific amount

🎯

Set Balance

Replace the current balance with a new value

Examples

Current Balance	Action	New Balance
$1,000	Add $500	$1,500
$1,000	Subtract $200	$800
$1,000	Set to $750	$750

✅ Immediate Updates

All balance adjustments immediately update your Net Worth and dashboard summaries.

🗑️ Deleting Accounts

⚠️ Warning: Deletion is Permanent

Deleting an account is permanent. Once deleted, the account and all its transaction history cannot be restored. Always review carefully before confirming deletion.

Before Deleting, Consider:

Archiving instead — Keeps your data safe but hides the account
Exporting data — Save transaction history before deleting
Linked items — Check if transactions are linked to bills, loans, or goals

💡 Recommendation

If you no longer use an account but want to keep historical data, use Archive instead of Delete. You can always access archived accounts later.

❓ Frequently Asked Questions

Q: Can I change an account type after creating it?

Yes, you can edit the account and change its type. Go to the account detail screen and select Edit Account.

Q: Why can't I change the balance from Edit Account?

Balance changes use the dedicated "Adjust Balance" feature. This keeps account metadata (name, type) separate from financial adjustments.

Q: Do archived accounts affect my net worth?

No. Archived accounts are excluded from net worth, assets, and debt calculations. Unarchive them to include their balances again.

Q: How do I track investment accounts?

Go to the Investments module and add a Brokerage Account from there — brokerage accounts cannot be created from the Accounts screen. Once created, it appears in your Accounts list. You can then record buy, sell, and dividend transactions from the Investments module, which automatically update the brokerage account's cash balance. See the Investments guide for the full workflow.

Q: Can I have multiple credit cards?

Yes! Create a separate credit card account for each card you have. Each can have its own limit, APR, and due date.

Q: What's the difference between Cash and Checking accounts?

Functionally they work the same. Use Cash/Wallet for physical money and Checking for bank accounts. The distinction helps with organization.

Q: How do I transfer money between accounts?

Go to Transactions → Add → Transfer. Select the source and destination accounts, enter the amount, and save. See the Transactions guide for details.

Q: Can I recover a deleted account?

No. Deletion is permanent. If you might need the account data later, archive it instead of deleting.

💬 Need Help?

📧 Contact Support

Email us at: support@finyxfin.app

Include "Accounts" in your subject line for faster assistance.