Accounts

Every checking, savings, credit card, loan, or investment account you've linked. The Accounts page is your inventory and the source of truth for net worth.

Account types

• Depository: checking, savings. Counts as an asset.
• Credit: credit cards. Counts as a liability (your statement balance).
• Loan: mortgage, auto, student, personal. Liability, with payoff progress.
• Investment: brokerage, retirement. Asset; updates when the holdings repricing comes through Plaid.
• Other: manual assets/liabilities you add by hand (real estate, crypto wallet balance, IOUs).

Net worth at the top

The big number on the page is assets minus liabilities. The breakdown beside it shows totals for each side. Click into any account to see its full transaction list, balance history, and connection status.

Connection health

Banks occasionally drop the connection. MFA expires, you change your password, the bank rotates its API. When that happens you'll see:

• An amber banner on the dashboard.
• A red dot on the affected account row.
• A "Reconnect" button that re-runs Plaid Link without losing your transaction history.

See Connecting banks for the full reconnect flow.

Manually-added accounts

For things Plaid can't reach (a Roth IRA at a small custodian, a real estate equity estimate, a crypto wallet), use + Add account → Manual. You enter:

• Type (asset or liability)
• Current balance
• Optional name and institution

Manual balances stay until you update them. We'll nudge you monthly to refresh.

Hiding accounts from analytics

Some accounts shouldn't affect your monthly spending math (a joint account managed by someone else, a sandbox business card). Toggle Exclude from spending on the account It stays counted in net worth but its transactions skip budgets and dashboard cards.

Removing an account

Disconnecting a Plaid item revokes the access token and permanently deletes the transactions tied to that bank. This can't be undone. The confirm dialog gives you a one-click CSV backup link before you commit, so you can keep your full history offline. While the account stays connected, your transactions are kept indefinitely (see Data retention). Deleting a manual account removes its current balance from net worth.