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Tracking investments

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You can track your savings and investments inside your budget or outside it. There are three ways to do it:

  1. Off budget account: track a balance without it affecting your budget.
  2. Net worth assets: record standalone assets like stocks, crypto or property.
  3. Savings or investment account in your budget: money that's part of your budget plan.

1. Off budget account​

An Off budget account keeps tabs on shares, investments and other balances without affecting your core budget. Its balance counts towards your net worth, but not towards the money you budget.

To create one:

  1. Open Accounts and tap New account.
  2. Enter the Account name (for example Brokerage).
  3. Set Account type to Off budget.
  4. Enter the initial balance, if any.
  5. Confirm.
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An off budget account doesn't take transactions: you can't record spending or income in it, or transfer money into it from your budget accounts. To update it, open the account and use Adjust balance to enter the new value. This lets you follow investments without disturbing your day-to-day plan.

2. Net worth assets​

Net worth is ideal for standalone assets you keep outside your budget: stocks, bonds, funds, crypto, collectibles, retirement funds or rental properties.

  1. Open the side menu and tap Net worth.
  2. In Other assets, tap New asset.
  3. Enter the asset's name (for example Tesla shares) and its current value, and confirm.

To record a new value later, open the asset and add a new entry. Net worth adds everything up and charts how it changes over time. See What is my net worth? for more.

3. Savings or investment account in your budget​

A Savings or Investment account is a regular account that's part of your budget. Use it for savings that are part of your plan, such as a vacation fund, an emergency fund or a big purchase.

  1. Open Accounts and tap New account.
  2. Enter the Account name (for example Vacation savings).
  3. Set Account type to Savings or Investment.
  4. Enter the initial balance, if any.
  5. Confirm.

Money in these accounts is part of your budget, so you allocate it to categories and can transfer to and from your other accounts. See Account types for all the options.

Examples​

Following a brokerage account outside your budget​

You keep your investments in a brokerage account and don't want them in your budget. Create an Off budget account for it. Whenever you check the balance, open the account, tap Adjust balance and enter the current value.

Updating a fund's value​

You've added a mutual fund to Net worth at $5,000. A few months later it's worth $6,000. Open Net worth, tap the fund and add a new entry of $6,000.

Regular contributions to a savings account​

You put $200 a month into a Vacation savings account in your budget. Record a transfer from your checking account to the savings account, and allocate to a Vacation category (or set a target) to track your progress.

Which one should I use?​

  • Want the money to be part of your budget plan? Use a Savings or Investment account.
  • Want to follow an account's balance without it affecting your budget? Use an Off budget account.
  • Want to record assets that aren't bank accounts at all? Use Net worth assets.