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Accounts & net worth

Every account in one place, one net number that tells the truth, and reports that show where the money actually goes.

Last updated July 31, 2026

Add your accounts

Open Finances and connect your banks — plural. The read-only connection imports each bank’s accounts with their balances and keeps them fresh automatically, and the setup checklist keeps an Add another bank button handy until the picture is whole: checking, credit cards, investments, loans. Prefer to track by hand? The quiet link under the connect card sets up manual accounts instead. Debt accounts also take an APR and minimum payment, which power the payoff planner.

Removing an account — your data, your call

Open any account and choose Archive or Delete forever. Archiving removes the account from lists, pickers, and net worth while everything it brought in stays — its transactions, receipts, and history keep counting in reports, and a Restore lives under Overview → Archived. Deleting forever erases the account and every transaction, receipt, and balance point that came with it, behind a confirmation that spells out exactly what goes. A bank-synced account stops importing either way; the bank connection itself stays for your other accounts.

The Overview

The Overview tab rolls everything into one net number — assets minus owed — plus this month’s activity, upcoming bills, and Net worth over time. The history chart works from day one: PES reconstructs the last 90 days by rewinding today’s balances through your transactions (hover any day for the exact figure), and weekly snapshots take over as they accumulate — they’re what capture manual balance edits. The monthly movement in Review is measured from those snapshots. The net number also rides on Today, one glance from the plan.

Reports

The Reports tab draws the picture: a money-flow diagram for the month (income in, through category groups, out to categories — hover any node or ribbon for its amount and share, or open Every flow, as a list for the same numbers as rows), cash flow across the last twelve months on a real axis (hover a month for income, spending, and net; click a month to re-anchor the whole report to it), and category and merchant breakdowns with period-over-period deltas. The Overview adds two forward-looking reads: Left for spending — what honestly remains this month after what came in, what’s spent, and the bills still expected (tap it for the arithmetic) — and a 30-day cash-flow forecast that walks your known bills and income forward and marks the projected low, with a hover readout for any day. Where the money goes stops being a feeling.