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Summary

“Summary” is the first screen you see on launch. It answers four questions without a single click: how much money you have, where it went this month, what you promised yourself (budgets and goals) and what you owe other people and banks. The set of cards is fixed — their order and visibility are yours: drag the cards into the way you actually read them and hide the ones you do not need.

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The Summary of a personal book: the month’s figures with the parts bar under “Balance”, cash flow, spending by category, recent transactions, budgets, goals, debts and loans.
On the phone the Summary is a vertical feed: notices, the total balance with the parts bar, and below — transactions by day.

What the Summary is made of

On a computer and on the web the Summary is a grid of cards. Each answers its own question and opens the matching section when clicked.

Card What it shows
Figures The balance across all accounts, income and expenses for the month, and “Free” — the share of income you have not spent. Under income and expenses — a comparison with the previous month. If the balance includes loans or debts, a thin bar under it shows what the total is made of: own money on the left, loans and debts on the right. Hover over the bar or the balance itself to see the amounts of the parts; on a phone or a tablet, tap the bar (details).
Cash flow “Income / expense” bars by month and the net-flow line. The period switches between month, six months, year and all time. Transfers between your own accounts are shown separately and never counted as income or expense.
Expenses by category A donut chart for the chosen period; clicking a slice takes you to “Analytics”. If the book has accounts in different currencies and the cloud is connected, spending is converted into the base currency at the same CBR rate as the expense in “Figures” — for the same month the two totals match (more). Without the cloud the donut is built from one currency — the one shown next to the amount.
Recent transactions A few fresh entries; a click opens the transaction, the heading — the whole section. What a row is labelled with — the category, the counterparty or the project — is up to you.
Budgets Progress on every limit with a “calm / on the edge / overspent” status. The overall budget of the book comes first.
Goals The goals of your savings accounts with their step checklists. With no savings accounts the card is not there at all.
Debts “They owe you · You owe · Net” and a list of open debts with their due dates.
Loans “Total debt · Monthly payments” and a list of open loans with their repayment progress and the next payment.
Hover over “Balance” or the bar under it to see the parts of the total: “Own money”, “They owe you”, “Loans” and “Debts”.
On the phone the parts bar sits under the total balance: a tap opens the amounts of the parts, another tap folds them.
A business book has its own Summary — with turnover, the tax base, receivables and payables. It is described in the “Business book” section.

What recent transactions are labelled with

The counterparty on a receipt or a transfer is often a person’s name rather than a shop — and a row with the seller’s surname says nothing about the purchase. That is why the header of the “Recent transactions” card has a “Show” chip: choose what goes into the row title — the category (the default), the counterparty or the project. On the phone the feed has no header, so the chip sits in a line above the first day.

If a transaction has none of the chosen — say, no project — the title takes the next thing it does have, in the order “category → counterparty → project”. The description becomes the title only when none of the three is set. Everything that did not make it into the title is shown under it, separated by “ · ”, in a fixed order: the description first, then the remaining fields. The choice is remembered on this device, like the order of the cards, and does not travel between devices. The feed of a business book is always labelled with categories.

The “Show” chip in the “Recent transactions” header: “Category” → “Counterparty” → “Project” — the row titles change, the rest moves into the caption under them.
On the phone the “Show” chip sits above the first day of the feed: a choice in the sheet relabels the rows at once.

The order and visibility of the cards

All platforms

The Summary cards can be arranged in the order you actually read them: figures on top, budgets under them, debts at the bottom — or the other way round. And the ones you do not need can be taken off the Summary with the “eye”. The order is set by dragging, and both are remembered on this device.

How to move a card

  1. Press Customise cards — the dotted “handle” button in the Summary header. The screen switches to customise mode: a heading-handle with an eye appears above every card, and Reset layout and Done appear in the header.
  2. Grab the card by that heading — not by its content. Press the handle and keep the mouse button held.
  3. Move to the new place. The card follows the cursor as a translucent ghost, and the one you are hovering over gets a dashed outline — that is where the card will land.
  4. Release the button. The cards swap, the neighbours shift, and the widths are recalculated for the new layout.
  5. Press Done or Esc — the mode closes, the order stays.

On a phone and a tablet it all works the same, except that a card is picked up by holding it: press the heading-handle and keep your finger down until the card “lifts off” — otherwise the gesture turns into scrolling the list. Near the edge of the screen the list scrolls by itself while you hold the card.

Dragging: the “Cash flow” card is picked up by its heading-handle, follows the cursor as a ghost, the target is outlined with a dashed frame — on release the two cards swap.
On the phone: “Arrange cards” in the Summary header → hold the “Budgets” heading and drag it above “Total balance” → “Done”: the feed now starts with “Budgets”.

How to take a card off the Summary

In the same mode every card has an eye on the right of its handle. Press it and the card leaves the Summary; in the mode its place is kept by a “Hidden from the Summary” strip with a crossed-out eye. Press it again and the card comes back. This way the Summary can keep only what you actually use.

A hidden card switches nothing off: budgets keep counting, goals keep going, debts keep being owed. Only their display leaves the Summary; the sections themselves stay where they are in the menu.

On the phone “Budgets”, “Goals”, “Debts” and “Loans” are hidden from the start. The phone feed begins with the balance and goes straight to the transactions by day — there is less scrolling to them that way. Need one of these blocks — switch it on with the eye, and it stays on this device.

“Customise cards” → the eye on “Cash flow”: a “Hidden from Summary” strip takes the card’s place, and after “Done” the neighbours move up. The same eye brings it back.
On the phone, the eye sits on the section strip in the same “Customise cards” mode.

Mouse, finger and keyboard

You can drag with a mouse and — on a touch screen — with a finger. There is also a keyboard path, with no dragging at all:

  1. Tab — move focus to the heading-handle of the card you want;
  2. Space — pick the card up;
  3. ↑ ↓ ← → — choose the new place;
  4. Space — drop it (Esc — cancel the move).

The app announces every step to a screen reader in the interface language: which card was picked up, which one you are over, where it was dropped.

What is remembered and what does not move

The layout is kept on this device and is not synchronised — the layout of a large monitor and the layout of a laptop are different jobs, and the app does not carry one over to the other. The web and the desktop app each remember their own layout too. A wide screen and the phone feed are set up separately: a card hidden on the phone stays on the computer.

Reset layout brings back the default — both the order and the visibility: on a wide screen that is figures → cash flow → spending by category → recent transactions → budgets → goals → debts → loans, on the phone — the balance and the transaction feed with no hidden blocks.

What is neither rearranged nor hidden: the header, the welcome plate, the invitation hint and the interest-free period reminders — they always stay on top; on the phone the transaction feed at the bottom joins them — it is endless, there is nothing to scroll to below it. The balance card on the phone, on the contrary, is rearranged and hidden with the eye like any other: if you do not want to see the amount first thing — hide it.

Savings goals

The “Goals” card gathers the goals of every savings account in the book. Each shows its title, “X of Y saved”, a percentage and what is left — or “Goal reached”. Progress is measured by the real account balance, not by the ticks: there is no separate “pot” living a life of its own.

Under the goal are its steps: a checklist that breaks a big number into reachable parts. A step can be ticked straight from the Summary — the app offers Record transfer (a transfer into this account opens with the step's amount already filled in) or Mark without a transaction if the money was set aside in cash.

Clicking the goal's heading opens the account card on the “Goal and forecast” tab — that is also where the list of steps is edited. If the book has no savings accounts, there is no “Goals” card on the Summary at all.

The “Goals” card: progress towards a savings account’s goal, the checklist of steps and the “Record transfer” / “Mark without a transaction” choice.
On the phone the “Goals” block is switched on in “Arrange cards”. Tap the “Three months of expenses” step → “Mark step” → “Record transfer” of 150,000 ₽ → “Save”: the step is ticked and the progress grows.

Debts

The “Debts” card answers “who owes whom” in one line: “They owe you · You owe · Net” — per currency. Below is a list of open debts with their due dates; an overdue one is highlighted in red, and clicking a row opens the account.

With no debts the card does not disappear — it answers “You have no debts” and offers a Add a debt button. That is an answer too, and it is needed just as often as the list.

The debts themselves are accounts of type “Debt”: one account per person, movements through ordinary transfers.

The “Debts” card on the Summary: “They owe you · You owe · Net” and a list of open debts with their due dates; clicking a row opens the account.
On the phone the “Debts” block is switched on with the eye in “Arrange cards”: “They owe you · You owe” and the list of debts with due dates; tapping “Ivan (debt)” opens the account.

Loans

The “Loans” card answers “how much do I owe the banks and how much is that a month”: on top are “Total debt” and “Monthly payments” — per currency. The heading of the “Loans” group in “Accounts” is built from the same numbers.

Below is the list of open loans. A row shows the account name, the outstanding debt, a “X of Y repaid” progress bar and the next payment — “25,000 ₽ by 15 Sep · 5 d.”. The payment line is coloured with the same traffic light as the reminder at the top of the Summary: yellow a week before the due date, red three days before it and when overdue. Clicking a row opens the account on the “Schedule” tab.

A loan that has been paid off leaves the list — it is history now, not a question. With no loans at all the card does not disappear — it answers “You have no loans”. There is no “add” button here: a loan is taken out at a bank, and it goes into the book as an account of type “Loan”.

“X of Y repaid” is counted from the facts of the account: X is how much has been paid in since the date given when the account was created, Y is X plus the current outstanding debt. So a loan picked up by the app halfway through its term shows progress from that date, not from the issue — the app never saw the amounts before it.
The “Loans” card on the Summary: “Total debt · Monthly payments” and the open loans with their repayment progress and the next payment; clicking a row opens the “Schedule” tab.
On the phone “Loans” is hidden at first: switch it on with the eye in customise mode — the same card appears in the Summary feed, and a tap on a loan opens its schedule.

The interest-free period reminder

If seven days or fewer are left before the end of a credit card's interest-free period, a plate appears at the top of the Summary: the account name, the exact amount and the date — “pay N ₽ by …” — and a Go to payoff button. Three days before the deadline, and after the period has been broken, the plate turns red.

The cross hides the reminder until the end of the current cycle: the next statement brings it back. Pay the debt off and the plate goes away by itself.

The plate works for both grace mechanics — for monthly statements and for the single deadline on the whole debt.
A week before the interest-free period ends, the Summary shows a “5 days left in the interest-free period” notice with the amount and date. “Go to repayment” opens the card’s “Repayment” tab, and the cross hides the notice until the next cycle.
On the phone, the same notice sits in the Summary feed: its button opens the “Repayment” tab, and the cross hides it until the next cycle.

Checking statement amounts against your bank

On a credit card's statement day a plate appears at the top of the Summary: ““…” statement: minimum payment — N by date, to avoid interest — M. Check against your bank”. The figures match the bank — press Matches and the plate goes away until the next statement (the cross does the same). They differ — press Correct: enter the amounts from your banking app, and svodly shows them until the next statement. More in “Checking against your bank”.

There is no reconcile plate if the amounts were already checked this cycle, if the statement is settled, or on cards with a single deadline on the whole debt (they have no statement day). A week before the deadline its place goes to the interest-free period reminder — one card never shows two plates.

On statement day of the “Т-Банк Платинум” card a plate at the top of the Summary shows the minimum payment and the interest-free amount: “Matches” hides it until the next statement, “Correct” opens the check.
On the phone the same plate sits above the total balance: “Matches” — and it is gone until the next statement.

The subscription charge reminder

Three days before a subscription charge and closer, a yellow plate with the name, amount and date and a To subscriptions button appears at the top of the Summary; three charges or more are gathered into one plate. The cross hides it until the next charge, and the “Remind me about the charge” switch in the subscription card turns it off for good. More in the subscriptions article.

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