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.

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How to create one

On the “Accounts” screen press + New account.
Type — “Savings”.
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.
Choose the capitalisation period — how often the bank credits the interest: daily, monthly, quarterly, yearly or at the end of the term.
Optionally switch on “Accrue interest automatically” — the app will create the “Deposit interest” transactions itself. With monthly compounding, check the interest payout day.

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.

“Add account” → “New kitchen” → “Savings” → a “New kitchen” goal of 400,000 ₽, a 16.5 % rate, “Monthly” capitalisation → “Accrue interest automatically”: the “What happens next” block says when interest arrives → a 50,000 ₽ balance → “Create” → the “Goal & forecast” tab with the progress ring.

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 rate is optional. A savings account without one is a goal without interest: a cash jar, a separate card or an envelope for a holiday. The form of such an account hides the auto-accrual block — there is nothing to accrue — and the “Goal and forecast” tab works out the date of reaching the goal from your top-ups.

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 & forecast” tab: 16 % rate, capitalisation “at the end of the term” → “daily” (the effective rate goes up), a “181 days” term, monthly top-ups — the result is recalculated at every step.

On the phone the calculator sits on the “Goal & forecast” tab under the progress ring: capitalisation “At end” → “Daily” (the effective rate goes up), a “181 days” term, “Contribute monthly” — the result is recalculated at once. The forecast table is on the computer and the web.

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. If your bank pays on another day, set the payout day.

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.

When the interest arrives

Once auto-accrual is on, a “What happens next” block appears under the opening date: the day the interest is paid and the next payout date. In the new-account form it also shows the approximate amount — “Interest is paid on day 27 of every month. Next payout: 27 September, ≈ 1,358.90 ₽”. Check it against your contract before saving.

With monthly compounding there is an “Interest payout day” field next to the opening date. It defaults to the day of the opening date and follows that date until you pick another one. Many savings accounts pay on another day — at the end of the month, for example: click the field and pick that day in the grid, or “Last day”, which means the 30th, 29th or 28th in shorter months. The day of the opening date is marked in the grid, and Same as the opening date brings it back. On the phone the grid opens in a sheet. The first period after opening is then a partial one: a deposit opened on 27 August and paid on the last day of the month gets five days of interest on 31 August, and a full month on the last day of every month after that. Quarterly and yearly compounding pay on the day of the opening date, so the field is not shown for them.

The next accrual stays visible after saving: the deposit's “Transactions” tab shows “Next interest — 27 September, ≈ +1,359 ₽”, and the “Goal and forecast” tab has a “Next accrual” tile. The amount is approximate: it is based on today's balance, so a top-up before the payout date changes it. If the interest for the current period has already come from a statement, the tile shows the date only.

The deposit form: auto-accrual is on, “What happens next” sits under the opening date; the “Interest payout day” field → “Last day” — the hint names the new date of the next accrual at once.

On the phone the “Interest payout day” field opens the grid of days as a sheet; the “What happens next” block recalculates right after the choice.

Changed the terms — the accruals are recalculated

Got the opening date, the compounding, the payout day, the opening balance or the currency wrong? Just correct it in the account form. The app recalculates its own “Deposit interest” transactions under the new terms: it removes the extra ones, adds the missing ones and fixes the amounts. The edit form warns about it with an “Accruals will be recalculated” notice before you save.

Accruals you have corrected by hand — the amount, the description, the counterparty, the project — stay untouched, and their period counts as closed, like a statement accrual.
Changing the rate does not recalculate the past: a bank changes the rate from a given day, not retroactively. The new rate applies to the next accruals and to the forecast.
Bank interest imported or typed in after the app's accrual for the same period replaces that accrual instead of sitting next to it.

A deposit opened before you added it here

A deposit is almost always opened at the bank before it is added to Svodly. Put the real date into “Deposit opening date” — and the app fills in the accrual history from that date up to today: the same “Deposit interest” transactions, at your rate and capitalisation period, on every payout date. The deposit arrives in the book with the year it has already lived, not empty.

One condition is mandatory: the “Opening balance” is the amount on the opening date, not today’s. The interest the bank has already paid is accrued by the app itself; if you enter today’s balance, it gets accrued on top of itself and the total drifts up. The account form says so right under the field and, as soon as the date moves into the past, shows the result in advance: “The app will fill in the history: 12 accruals of 86,134.92 ₽ — today’s balance will be 586,134.92 ₽”.

Check this figure against the bank. If it doesn’t match, correct the amount on the opening date, before or after saving: the app recalculates its own accruals and leaves the ones you corrected as they are.

If you have already entered part of the history by hand or brought it in with a statement import, set the real opening date anyway: the app skips periods that already have “Deposit interest” and fills in only the missing ones.

A new “Sber deposit”: 16 % rate, “Accrue interest automatically”, opened a year ago, opening balance 500,000 ₽. After “Create” the app fills in the history: the account’s transactions show monthly deposit interest.

On the phone, the opening date and automatic accrual are in the same account form; the accrual history is filled in the same way.

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:

Record a transfer — a transfer into this savings account opens with the step's amount already filled in; once saved, the step is marked and refers to that transaction;
Mark without a transaction — for money set aside in cash, or already moved another way.

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 sit under the ring on the “Goal & forecast” tab: “Edit steps” → change an amount, add or remove a step → “Save”. Tap “Three months of expenses” → “Record transfer” of 150,000 ₽ — and the label says “One step to go”.

Auto-allocations: set aside from every income

To save towards a goal not on a schedule but from every payment — “10% of every salary for the holiday” — the “Goal and forecast” tab has an “Auto-allocations” block. Every savings account has it, even without a goal. Press Add rule and choose how much to set aside:

a percent — from 0.01 to 100% of the income;
an amount — a fixed one, for example 5,000 ₽ from every income; the rule skips an income smaller than that.

The “From which income” field limits the rule to a category: “Salary” sets aside only from the salary, and its subcategories count too. “Any income” sets aside from everything except transfers from another book.

When a matching income appears in the book — entered by hand, imported from a statement or by a recurrence, added on another device — the app creates a regular transfer from the account that received the income to the savings account. It shows in the feed and can be edited. The rule takes income to cash, a card or a bank account in the savings account’s currency — from the day the rule was created or changed: past income is not processed retroactively. There can be several rules; each sets aside its own share.

You can see what will be set aside before saving: in the new income form a blue “Will be set aside from this income” notice appears under the amount with a line per matching rule — “10,000 ₽ → “Holiday””, up to three lines and “and N more”. It updates when the amount, account, category or date changes and is calculated exactly like the transfer made after saving; the cross hides it until the form is opened again. There is no hint when editing a transaction or for expenses.

A new income: the “Salary” category and the amount — a blue “Will be set aside from this income” notice with the amount and the savings account appears under the amount; after saving, the auto-transfer shows up in the feed next to the income.

On the phone the same notice sits under the amount of a new income and updates with every change of the amount.

Skip one income — delete its auto-transfer. The rule remembers and will not create the transfer again, here or on your other devices. An auto-transfer is easy to tell apart: in its window an “Auto-allocation: 10% of income” notice explains where it came from.
Changed the income amount — a percent allocation is recalculated on its own. Deleted the income — the allocation goes too. A transfer you edited by hand is left alone.
Pause — the switch in the rule’s row. Income recorded during the pause is skipped for good, even if the pause lasted a couple of minutes; once switched back on, the rule only sets aside from income recorded after that.
Delete the rule — in its window. Allocations already made stay as regular transfers.

The rule’s row shows how much has been set aside and in how many transfers. If the rule’s category is deleted, the rule goes quiet and is marked “Category deleted” — pick another category or delete the rule. To set aside on a schedule rather than from income, use a recurring transfer.

The “Auto-allocations” block on the “Goal and forecast” tab: a “10% of income” rule with a category, pausing with the switch and the rule window.

On the phone the “Auto-allocations” block is on the “Goal and forecast” tab of a savings account: “Add rule” opens a sheet — a share or an amount and the income category.

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.

For a deposit with auto-accrual the table follows the dates of the real accruals: the opening date and the payout day. Its first row includes the interest built up since the current period began and matches the next accrual. If auto-accrual is off, or the calculator uses a compounding period other than the account's, the dates count from today — the caption under the heading says so.

If the term ends between crediting dates — a 367-day deposit, say — the last row is marked “end of term”: it holds the interest for the partial period, which the bank pays out together with the deposit. That is why the balance in the last row always equals the calculator's total.

The “Accrual schedule” under the growth chart follows the calculator: quarterly capitalisation gives four rows a year, “at the end of the term” — one. With a 367-day term the last “end of term” row matches the calculator’s result; “Show the whole term” expands the table.

The app has no forecast table: the date and amount of the next interest are shown by the “Next accrual” tile on the “Goal & forecast” tab, while the “date → accrued → balance” table lives on the computer and on the web.

Мобильный

Footnotes under the calculations

“Rate & interest”, “Compound interest calculator” and “Accrual schedule” carry a ¹ mark that points to a footnote at the bottom of the “Goal & forecast” tab: the forecast assumes the rate, capitalization and top-ups stay the same, while interest is accrued by the bank under the deposit terms, so the actual amounts and dates may differ. The line below reminds you that the calculations are for reference only and are not an individual recommendation: you make your own decisions based on them (section 6 of the License Agreement).

Where to go next

Accounts — the general part: transfers, currencies, archiving.
Summary → Goals — where the goal is visible every day.
Credit card — the other side: paying off rather than saving.