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Accounts

An account is where money is kept. A bank card, cash in your wallet, savings on a deposit, a loan you have to pay back. Every transaction has one or two accounts — and the balance of each account is recalculated automatically.

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The account list and opening an account: balance, cash flow and transactions for a specific account.
Accounts on the phone: a list of accounts with balances and the trend of each.

Account types

TypeWhen to choose it
CardA debit card, a current account at a bank, a virtual card.
CashA wallet, an envelope, a piggy bank.
SavingsA term deposit, a deposit, a savings account.
LoanA credit card, an installment plan, a consumer loan. The balance can be negative.
Debt / lendingMoney you've given to someone or borrowed from someone.
OtherA brokerage account, a store balance, bonuses — anything that doesn't fit the other types.

The type only affects the icon and the place in the list — all types work the same way. You can change an account's type at any moment.

Create an account

  1. Open Accounts.
  2. Tap + New account.
  3. Enter a name (keep it short — it appears in the transaction list), a type and a currency.
  4. Set the opening balance — how much money was in the account at the moment you added it to Svodly. This is a special “opening” transaction; without it the balance starts from zero.
If you're starting your bookkeeping today, it's convenient to enter today's real balance as the opening one. If you want to capture history — set a date in the previous month with the balance as of that date and then import transactions for the period.
The “New account” button opens a card: name, type (here “Savings”), currency and opening balance — “Create”. The new account appears in the list, and the total balance at the top updates right away.
On the phone, an account is created with three fields — name, type and currency — and “Save”. The currency of the book is filled in by default, but you can choose another. The opening balance can be set later in the account card.

Transfers between accounts

Withdrew cash from a card, put it into savings, paid off a credit card — these are all transfers. They are neither income nor expense — in analytics, transfers are excluded so as not to distort the statistics.

  1. On Transactions, tap + Transfer.
  2. Choose the “From” and “To” account, enter the amount.
  3. If the currencies differ, a rate block opens with three fields — debit, rate and credit. Fill in any two — the third is computed automatically. Below the block the rate is shown both ways (for example, 1 ₽ = 0.01 $ / 1 $ = 100 ₽).
A transfer between two books is a separate scenario. See “Books” → “Transfer between books”.

Several currencies

Accounts in different currencies live in one book without any trouble. The conversion rate is entered manually when transferring between accounts of different currencies and is saved in the transaction itself. There's no automatic fetching of rates, and amounts of transactions in different currencies don't mix: a grand total by amount isn't shown in the transaction list, and the balance of each account is visible in its own currency on the “Accounts” screen.

Archiving and deleting an account

Closed a deposit, gave up a card — it's better to archive the account. Archived accounts disappear from the choices when creating a new transaction, but the history and the balance as of a date remain.

You can delete an account if it has no transactions. If it does, the system will offer either to delete it along with the transactions or simply to archive it. Archiving is almost always the right choice.

“⋯” on an account card opens the “Account card”; the “Archive” button removes the account from the active ones — it goes to “Archived accounts”, while the history and balance are kept.
On the phone: open the account → “Edit account” (the gear) → “Archive account” → confirm. The account is hidden from the active groups into the “Archive” section.

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