Account Management
Paste format: Copy tab-separated rows from Excel or Google Sheets (one account per row).
Column 1 is the account type (Asset, Liability, Equity, Revenue, or Expense).
Column 2 is the GL number and name. A header row containing “account” is skipped.
Asset 1000 Cash
Liability 2000 Credit Card
Expense 5000 Groceries
Classes
Tag entries with a class to filter the income statement by category.
Transactions
Trial Balance
Account History
Budget Planning
Workspace
Share one set of books with family or partners. Everyone in the workspace sees the same accounts, entries, and budgets.
Your login
Subscription
Members
Add another login to this workspace
Reports
Net Income vs Budget (monthly)
Custom Report Builder
How to build a custom report
- Primary column — The first amount column always uses the report month and Period setting above (MTD or YTD).
- Compare Period columns — Add optional side-by-side comparisons (previous month, budget, prior year, or a specific month). Drag the ⋮⋮ handle to reorder compare columns.
- Lines — Add rows below. Each line type works as follows:
- Title — Section heading only (no amount).
- Accounts — Enter a GL expression in Expression, e.g.
1000 + 1001 - 2000, or click Accounts to pick from your chart of accounts. - Standard Total — Pick Total Assets, Liabilities, Equity, Revenue, Expenses, Net Income, or system lines (Previous Month YTD, Income Summary, Balancing Account, Balancing Funds).
- Subtotal — Set a Level: level 1 totals detail lines above until the previous subtotal; level 2 totals level 1 subtotals in the section, or detail lines if no level 1 subtotal is present; level 3 works the same for level 2 (and falls back further if needed). Use a title row before a level 2 subtotal to start a new rollup section.
- Ratio — Divide numerator by denominator GL expressions.
- Difference — Subtract the Right expression from the Left expression.
- Line Formula — Compare other lines on this report using 1-based line numbers, e.g.
2 - 3orL2 + L4.
- Drag line rows by ⋮⋮ to control print order.
- Enter a report name, click Save Custom Report, then Run to view it above. Use Export PDF to print the loaded report.
Compare Period columns
The first column is always the Period setting at the top of Reports. Add compare columns here only.
| Label | Compare Period | Specific month |
|---|
Lines
| Type | Label | Expression / Level / Total / Line formula | Left | Right | Num | Den |
|---|
Calculator
Time Value of Money
Enter known values, then click Calculate next to the field you want to solve for. Leave that field blank or overwrite it after solving.
Amortization Schedule
Build a loan schedule, then export a CSV with Excel formulas. Choose whether actual interest uses exact days between payments or a flat period rate (annual rate ÷ payments per year, e.g. 1/12 monthly). Track Extra Payment Balance separately, with loan/extra adjustments.
| # | Date | Payment | Extra | Loan Adj | Extra Adj | Interest | Principal | Loan Bal | Extra Bal |
|---|
Accounts Receivable — Invoices
Accounts Payable — Bills
Fixed Assets
Check the assets to include, then use All at Once to review one combined depreciation entry (each asset as its own lines). Items already depreciated for the month start unchecked.
Prepaid Assets
Check the prepaids to include, then use All at Once to review one combined amortization entry (each prepaid as its own lines). Items already amortized for the month start unchecked.
Loans
Track loan balances by month. Set loan liability, interest expense, and cash accounts, then use Post Payment for the selected subledger month. Use Calculators to build an amortization schedule and export CSV without saving it here.
Obligations
Track off-balance-sheet items that do not post to the GL. Mark paid each month when settled. Optionally include unpaid balances in current assets or current liabilities for ratio calculations.
Investments
Track market value and basis each month. Update basis through journal entries as needed. Use Adjustment to post the change in unrealized gain/loss from the prior month so the GL matches market value. Check investments to include, then use All at Once for one combined review entry. Items already adjusted for the month start unchecked. Sell / Mature posts proceeds minus basis.
Inventory
Admin — Users & Workspaces
Download backup
Save a full copy of your website data (accounts, entries, budgets, users, subledgers, custom reports, and Budgeting Time / time app data) to your computer. Do this every few weeks and keep the file somewhere safe — it is your recovery copy if anything goes wrong on the server.
Recent server copies
The server keeps up to 10 automatic backups, at most once per hour while you work. Daily startup backup still runs if none exists for today. Download copies here.
Link logins to one workspace: under All Users, pick the workspace from the dropdown for the second account, then click Share workspace. Both logins will see the same accounts, entries, and budgets. Grant free access for complimentary accounts, use Mark paid to flip status, or Link Stripe subscription to reconnect an existing Stripe customer/subscription after recreating accounts. Rename workspaces or delete users and empty workspaces below.
Free access codes
Generate codes for free sign-up without Stripe. Share a code only with the person who should use it.
Create Free Login
Workspaces
Link Stripe subscription
Use this when a login was recreated as free but Stripe is still charging an old customer. In Stripe Dashboard → Customers / Subscriptions, copy the IDs and link them here. Marking someone “paid” alone does not reconnect Stripe billing.
All Users
Grant free = complimentary access (no Stripe). Mark paid = status only. To reconnect a real Stripe subscription after recreating accounts, use Link Stripe subscription above.