/ documentation
Download

Savings account

A deposit, a term account, a rainy-day fund — an account where money sits and grows. On top of plain bookkeeping it has a “Goal and forecast” tab: progress towards the goal, a bank-grade compound-interest calculator, a checklist of steps and automatic interest accrual.

Svodly.ru
View

How to create one

  1. On the “Accounts” screen press + New account.
  2. Type — “Savings”.
  3. Set a goal (a title and an amount) and a rate — an exact number, say 16.5. Both are optional: the account works without them, you just get no progress and no forecast.
  4. Choose the capitalisation period — how often the bank credits the interest: daily, monthly, quarterly, yearly or at the end of the term.
  5. Optionally switch on “Accrue interest automatically” — the app will create the “Deposit interest” transactions itself.
A new savings account: type “Savings”, the goal “New kitchen” for 400,000 ₽, a 16.5 % rate and the auto-accrual switch. Once saved, the card gains a “Goal and forecast” tab.
On the phone the form is the same: type, goal, amount, rate and capitalisation period.

Goal and rate

A savings account gains a “Goal and forecast” tab in its card. Set a goal (a name and an amount) and an annual rate — the app shows the progress towards the goal and a compound-interest calculator with the projected date of reaching it. On the account card in the list and on the balance card, a compact progress towards the goal and the rate are shown — in the same spot where a credit card shows its limit bar. And the account's “Transactions” tab carries a line “in a year the account will hold ≈ …” that opens the calculator straight away.

The rate is entered as an exact number (for example, 13.09 %). The facts still live as regular “Deposit interest” transactions: you enter them, a statement import brings them in — or the app accrues them itself, if you switched that on.

The calculator: how a deposit is worked out

The calculator recomputes the total live — from the rate, the term and how often the bank credits the interest. It does the arithmetic the way a bank does: interest accrues every single day as “balance × rate ÷ days in the year” and is credited at the end of the chosen period. There are five periods — daily, monthly, quarterly, yearly and at term end.

The term can be set in months (the slider) or in days — with the “91 days / 181 days / 367 days” buttons or by typing an exact number. That is not pedantry: “half a year” is 181–184 days depending on the month, and banks sell deposits in days.

Below the total you see the effective rate — what the deposit's rate turns into once capitalization is taken into account. For instance, 16 % credited daily works like 17.35 %.

Contributions are off by default: the calculator answers “how much will be on the deposit at the end of the term”, not “how much will there be if I keep adding every month”. If you need the second scenario, flip the “Contribute monthly” switch. Whatever you dial in, the app remembers on this device and restores next time you open the tab.
The calculator on the “Goal” tab: the capitalization period from “at term end” to “daily” (effective rate 16 % → 17.35 %), the term from 1 year to 181 days, and monthly contributions switched on — the total is recomputed at every step.
The phone has the same: the savings account card carries a “Goal and forecast” tab — a progress ring with the projected date, the rate tiles and the compound-interest calculator; the goal and the rate are set in the account form. The auto-accrual switch and the forecast table live on the computer and on the web for now — the accruals themselves reach the phone through sync.
Мобильный

Accruing the interest automatically

To let a deposit live a life of its own, flip the “Accrue interest automatically” switch in the account form and pick the date to count from (the “Accrue from” field). The switch is present in the create and edit forms on every platform — on the computer, on the web and on the phone; missed accruals are caught up when the book opens and after a sync, so a phone and a computer that each covered the same period on their own produce one transaction, not a duplicate. The app then creates “Deposit interest” transactions on every crediting date by itself — using the account's rate and compounding period, and the same bank convention as the calculator (“balance × rate ÷ days in the year”, a 365/366 base, art. 839 of the Russian Civil Code).

These are ordinary transactions: they show up in the feed, they can be edited and deleted. A deleted accrual is not re-created — that period counts as closed. The crediting date is the day after the closed period: a deposit opened on 15 January with monthly compounding receives its interest on 15 February for 15.01–14.02, the way a bank pays on the anniversary date.

It is off by default and only accrues from the date you pick — otherwise a statement import would bring the same interest in a second time. A period that already holds a “Deposit interest” transaction (typed by hand or imported) is skipped: someone else's accrual wins over ours.

For accounts with a floating rate, bonus add-ons or minimum-balance thresholds the Civil Code formula gives a different number than the bank does. That is why auto-accrual is switched on by hand, and why the generated transactions stay just as editable as any other.

Without a rate filled in, auto-accrual does not switch on — there is nothing to accrue. The “Accrue from” date never runs into the future.

Steps towards the goal

“Save up 900,000 ₽” is a goal that is a long way off. Under the progress ring on the “Goal and forecast” tab there is a “Steps towards the goal” block: break the big number into parts with concrete amounts — “one month of expenses”, “two months”, “six months” — and tick them off as you put the money aside. The footer of the block reads “2 of 4 steps · 300,000 ₽ marked”.

The list of steps is edited here only, with Edit steps: a title and an amount for each, the order is the order of the list. A step removed from the list disappears, the marks on the others stay; editing a title or an amount does not clear a mark.

Ticking a step offers a choice:

Clearing a mark does not delete the transaction — it stays in the feed like any other. There is a way round as well: if the destination of a transfer is a savings account with unmarked steps, a “Step towards the goal” field appears above the category. Pick a step and its amount is filled in for you; once saved, the step is marked.

Steps are a checklist, not money. Progress towards the goal is always measured by the account balance: marks do not move the balance, and the balance does not set marks. So a goal cannot be faked with ticks, and both numbers on the Summary are honest.
The “Steps towards the goal” block under the progress ring: the step editor, ticking a step and the “Record a transfer” / “Mark without a transaction” choice.
On the phone the steps live in the same place — under the progress ring of the “Goal and forecast” tab; the editor and the choice open as a bottom sheet.
Мобильный

The forecast table: how much there will be on a given date

Below the growth chart there is a “date → accrued → balance” table for the whole term. The chart shows the shape of the growth, but you cannot read the amount for a specific date off it — that is exactly what people opened Excel for. The rows are real crediting dates rather than calendar months, so the table is rebuilt together with the compounding slider: quarterly compounding gives four rows a year, “at term end” gives exactly one. The exception is daily crediting: 365 rows a year are unreadable as a table, so they are rolled up by month — the caption under the heading says so.

Where to go next