Accounts

An account is one place your money sits: a brokerage account, an IRA, a savings account, a mortgage. Everything else in the app hangs off them.

Adding one

Add account in the header opens the form. You can also reach it from the dashboard's empty state before you have any accounts, and the pencil-equivalent — Edit account — from any account row's ⋮ menu.

Two fields are required and have no defaults: Name and Custodian. The name is what you'll match against when you import a CSV, so make it something you'll recognise and can type; the custodian is who holds it.

Everything else has a sensible default, and none of it is permanent — an account can be edited at any time.

Group

Group sorts your accounts on the dashboard and totals them separately:

• Retirement
• Taxable brokerage
• Bonds
• Crypto
• Cash & savings
• Other assets
• Liability — listed as Liabilities, and its total is shown in red

New accounts default to Retirement. Within a group you can reorder rows with Move up / Move down in the ⋮ menu.

A Retirement account also gets a Tax treatment choice — Tax-deferred (401(k), traditional IRA) or Roth (contributions already taxed) — which defaults to Tax-deferred and disappears from the form for every other group. It's how the taxes workbench's account-buckets card tells a Roth balance apart from an ordinary one.

Tracking level

This is the one decision worth thinking about, because it determines what the app can tell you about the account.

Track holdings — you enter trades and we value them daily against market prices. Pick this for anything where you care what you own, not just what it's worth: a brokerage account, an IRA you manage yourself. These accounts are the ones that appear in the allocation donut, the per-security breakdown, and Top holdings, and they're the only ones with a cash balance.

Track balance — you tell us the balance and update it when it changes. Pick this for anything where the holdings are opaque or beside the point: a savings account, a pension, a mortgage, a rental valuation. Balance accounts carry two inputs instead of trades:

• Current balance (required when you create one — it becomes the first snapshot, dated today)
• Allocation mix (optional) — six percentages across US stocks, Intl stocks, Bonds, Cash, Crypto, and Real estate & alt. Leave all six blank, or make them total exactly 100; anything in between blocks the save.

Balance accounts get Update balance and Balance history in their ⋮ menu. Update balance is the quick one: a figure and a date, saved as that day's snapshot. Saving a balance for a date you already have replaces it — that's the edit.

Balance history opens every snapshot the account has, newest first, as a table you can change in place. Edit a date or a balance and it saves when you leave the box or press Enter — nothing is written for a row you only tabbed through. The row at the top of the table adds a new snapshot, dated today unless you change it; if that date already has a snapshot, it says so before you replace it. Re-dating an existing row onto a date another snapshot already holds is refused rather than collapsing the two — delete the one in the way, or edit it instead. The trash can removes a snapshot outright.

Anyone in the household can open Balance history and read it. Changing it needs editor access; a viewer sees the same table as plain text.

For more than a handful of snapshots — several accounts, or years of month-end statements — Import in the header takes a three-column CSV instead. See Balances CSV format.

Owner

Every account has an owner: a person in your household — anyone on the household roster, whether or not they have a login — or Joint. New accounts default to Joint.

The owner select lists everyone the household has added, in the same order as household settings. You can also switch the dashboard's accounts card from By type to By owner, which sections your accounts by who holds them instead — every account still appears exactly once.

Adding another owner

To offer someone else as an owner, open household settings and use Add person: a name is all it takes — no email, no invitation, nothing for them to accept. They appear in the owner select immediately. A child or a spouse who will never sign in can own an account just the same as anyone with a login. See Households and the plan.

Revoking a login never touches ownership

A login and an owner are separate things now. Revoking someone's login in household settings only removes their ability to sign in — the person stays in the household and keeps owning whatever they owned before, untouched.

The reverse has a guard: a person who owns an account can't be removed from the household until you reassign that account to someone else (or to Joint) — the attempt is refused with a message naming the account in the way.

Rarely, an account's owner may point at someone the household can no longer resolve — the row shows a muted "?" avatar and the label Unknown person instead of a name, and the edit form refuses to save until you pick a current person or Joint:

This account's owner is no longer in your household. Choose a new owner to save your changes.

Until you get to it, the account keeps its value, its trades, and its place in your totals. It's only the label that's unresolvable.

Archiving

Archive account in the ⋮ menu retires an account you no longer hold. You're asked to confirm — It leaves your totals but keeps its history.

What archiving does:

• The account disappears from the accounts card, from your group totals, and from your current portfolio value.
• Nothing is deleted. Its trades, balance snapshots, and cash snapshots all stay exactly where they are, and it keeps contributing to the historical value chart — otherwise archiving an account would rewrite your past.
• Its name stops matching during a CSV import. Import only ever matches non-archived accounts, so a row naming an archived account is a row error.
• Its trades screen becomes unreachable, and following an old link to it says We couldn't find that account.

Archiving is a one-way door in the current version: there is no unarchive, and no delete either. If you're not sure, edit the account instead.

Who can change what

Adding, editing, and archiving accounts requires editor or owner access to the household. Viewers don't see those controls at all — they're hidden rather than greyed out — but the account's read-only item (View trades for a holdings account, Balance history for a balance account) stays available to everyone.