Savings Accounts, Cash on Hand and Transfers

🏦Your Savings Accounts

• Go to Budget → Savings and tap +. Pick a Bank, Digital Wallet, or Cooperative, then type its real balance today.
• Don't see your bank or e-wallet? Tap + Add at the end of the list to make your own, with its name, a short label, and a color.
• Tap the star to make an account your main one. New income goes there unless you pick another.
• Tap an account to see its history, like a bank statement. Tap the pencil to rename or edit it.
• Basic tracks 2 accounts. Plus and Pro have no limit.

👛Cash on Hand

• Cash on Hand is the physical cash in your wallet. It's not a savings account.
• Withdrew from the ATM or a bank? Use I withdrew cash (Cash In). The money moves from that account into Cash on Hand. It isn't new income.
• Already holding cash on day one? Use I already have cash to set what's in your wallet, one time.
• After that, it changes by itself: cash expenses take from it, and cash income adds to it.

🔁Transfers Between Accounts

Moving money between your own accounts, like bank to GCash, isn't spending or income. Log it as a Transfer in the Calculator (pick From and To), or use Transfer Between Accounts inside an account. Both balances update, and the move is saved in each account's history.

🎯One Account, Many Goals

Link your Savings Goals to an account, and that account shows where its balance is earmarked: how much is for each goal, and how much is still unallocated.