Which account do I add?

Find what you have in the list below. Most things are a bank account, cash or a card. Money between you and another person is a loan.

Find what you have

You have	Add	What it does
A savings account your salary comes into	Bank — Savings	Its balance is money you can assign.
A current account	Bank — Current	Works the same as savings.
Notes in your wallet or at home	Cash	Assign and spend it like money in a bank.
A wallet balance, such as Paytm or Amazon Pay	Cash, named after the wallet	Works the same as cash.
A credit card	Credit Card	Each spend sets aside the money to pay the bill.
An overdraft on your bank account	Line of Credit / Overdraft	Works like a credit card.
Mutual funds, shares, an FD, PPF, EPF or NPS	Investment	Counts in your net worth. Never offered to assign.
A flat, a plot, gold or a car	Asset	Counts in your net worth only.
Money you borrowed from a person, a bank or an app	A loan: I borrowed it, from Loans	The money comes to Left to assign. The loan shows what you still owe.
Money you lent to someone	A loan: I lent it out, from Loans	The money leaves a category, and goes back to it as it is repaid.
A card purchase the bank turned into EMIs	Convert to EMI, on the card	Each month's EMI is added to the card's bill, and the budget asks for it.
Money you owe, with no payments to record	Liability	Lowers your net worth. Does not change what you can assign.

On a computer, press Add account under the list of accounts on the left. On a phone, open Accounts and press Add account at the top.
Choose the Type. The note under it says what that type does to your budget.
Enter the Account name and today's balance, and press Add account.

Open Loans and press Add a loan.
Choose I borrowed it or I lent it out.
Enter the amount and who it is with, and the account the money was Received into or Paid from. Press Add loan.

Loan or Liability?: If you owe a person, or a person owes you, add a loan. It does not need a schedule or interest. Use Liability only for money you owe that you want counted in net worth, with no payments to record. Read more.
Savings or Current?: They work the same way in the budget. Choose the one your bank calls it.
Is a fixed deposit an investment?: Yes. Money in an FD is put away, not meant for this month. When it matures and the money comes back to your savings account, record a transfer from the FD to savings. The money goes to Left to assign.
Credit card or overdraft?: Choose what it really is. Both work the same way: each spend sets aside the money to repay it.

Still stuck?

Write to us and a person answers. If you use Ahead, Support in the app is quickest.