Track where your money lives. Credit cards are accounts too — balances here reflect what you owe. Front-loading strategy: move money from chequing → credit card (as a transfer) to pre-pay, then spend on the card freely for points.

Moving money between your own accounts (e.g. paying your credit card from chequing). These are NOT expenses — they don't change your net worth.

Tracked for household context only. Doesn't count in your personal totals.

Every expense records which account paid for it. If you put it on a credit card, that card's balance increases. Shared expenses are split 50/50 — only your half counts toward your totals.

Pay yourself first. Set a monthly contribution, and it'll be subtracted from your income before "free to spend." Check "Emergency fund" to track months of expenses covered.

For installment loans only. Credit cards are managed on the Accounts tab.

Payoff strategy

Assets

Positive-balance accounts are pulled in automatically. Add other assets here (property, investments, etc.).

Liabilities

Credit card balances and debts are rolled in automatically.

Income vs expenses (last 6 months)

Net worth over time

This month's spending by category