Accounts

Accounts are where money lives — everyday checking, credit cards, cash, loans, and off-budget tracking accounts. Open an account to see its balance over time and its own transaction register.

• Cleared vs uncleared helps you match what the bank already knows versus what you have entered but not confirmed.
• Use Reconcile when you want the account balance to match a statement.
• Credit cards get a payment envelope so card spending stays tied to the right job. Loans sit off-budget; repayments are transfers, and you can optionally pair a loan with a regular envelope if you want one.