Accounts
PennyWallet supports three account types. Each type behaves differently in balance calculations and net asset tracking.
Account Types
Cash
Represents physical cash you hold.
- Expenses decrease the balance
- Income increases the balance
- Included in net asset as a positive value
Example: Wallet with NT$5,000 cash → balance shows 5,000
Bank
Represents a bank account, savings account, or e-wallet.
- Expenses decrease the balance
- Income increases the balance
- Transfers in/out adjust the balance accordingly
- Included in net asset as a positive value
Example: Savings account with NT$120,000 → balance shows 120,000
Credit Card
Represents a credit card. The balance tracks outstanding debt, not available credit.
- Expenses increase the debt
- Repayments decrease the debt
- Displayed with a − sign in the Finance Overview (because it's money you owe)
- Subtracted from net asset
Example: Credit card with NT$4,500 outstanding → displays as −4,500 in net asset
Setting the initial balance: Enter your current outstanding debt as a positive number. If you owe NT$3,000, enter
3000. If your card is fully paid off, enter0.
Managing Accounts
Add an account
Settings → PennyWallet → Add Account
Fill in the name, type, and initial balance, then click Add Account (or press Enter).
Edit an account
Click Edit next to any active account to change its name or initial balance.
Changing the initial balance recalculates all historical balances retroactively, since balances are always computed from inception.
Archive an account
If an account has existing transactions, it can be Archived instead of deleted. Archived accounts:
- No longer appear in the Add Transaction form
- Still appear in Settings → Archived Accounts with a toggle for Include in Net Assets
- Historical transactions remain intact
Unarchive an account
To restore an archived account, go to Settings → PennyWallet → Archived Accounts and click the Unarchive button next to it. The account moves back to Active Accounts and reappears in the Add Transaction form.
Delete an account
If an account has no transactions, it can be deleted permanently.
Net Asset Calculation
Net Asset = (sum of all cash/bank balances) − (sum of all credit card outstanding debts)
Archived accounts are included if Include in Net Assets is toggled on.