Accounts

Accounts are the foundation of Coincert. Every transaction belongs to an account, and your account balances give you a real-time picture of your financial health.

Accounts are grouped by type with individual and section totals. Negative balances appear in red.

On iPad, the Accounts screen uses a split-view layout with sidebar navigation on the left and the grouped account list with balances on the right.

Account Types

Coincert supports five account types, grouped into two categories:

Asset Accounts

• Checking — Your everyday spending account. Balances are shown as positive numbers.
• Savings — Deposit or savings accounts. Balances are shown as positive numbers.

Liability Accounts

• Credit Card — Tracks what you owe on a credit card. When you enter a balance, Coincert stores it as a negative number internally so that spending on the card correctly reduces your net worth.
• Loan — Mortgage, auto, student, or personal loans. Like credit cards, balances represent what you owe.
• BNPL — Buy Now, Pay Later accounts (Affirm, Klarna, Afterpay, etc.). Tracks installment balances you owe.

The distinction between asset and liability accounts matters for balance calculations: asset account balances add to your net worth, while liability account balances subtract from it.

Creating an Account

1. On the Accounts screen, tap the + button in the toolbar.
2. Choose Add Account Manually to create a hand-tracked account, or Connect Bank to link a bank through automated sync.
3. For manual accounts, fill in the following fields:
   • Account Name (required) — A name you will recognize, such as “Chase Checking” or “Amex Gold.”
   • Account Type — Select Checking, Savings, Credit Card, Loan, or BNPL.
   • Institution (optional) — The name of the bank or financial institution.
4. Set the Current Balance:
   • For asset accounts, enter your current balance as a positive number.
   • For liability accounts (credit cards, loans, BNPL), enter the amount you owe as a positive number. Coincert converts it internally so the math works correctly.
5. Optionally, import transactions from a bank statement file at account creation time. See “Importing at Account Creation” below.
6. Tap Save.

Importing at Account Creation

When you create a new account, you can import an OFX or QFX bank statement file in the same step:

1. In the Add Account form, tap Import OFX/QFX File in the Import Transactions section.
2. Select your file. Coincert parses it and displays a summary showing the number of transactions and the date range covered.
3. If the file contains a ledger balance, Coincert uses it as the account’s opening balance automatically. You do not need to enter a balance manually.
4. When you tap Save, the account is created and all transactions from the file are imported at once. Imported transactions are automatically run through Auto-Tune (auto-categorization) so most will have categories assigned immediately.

To remove a queued import before saving, tap the X button next to the file name.

Editing Account Details

1. From the account list, long-press (or right-click on macOS) an account and choose Edit Account. Alternatively, tap the account to view its transactions, then access account settings from there.
2. You can change:
   • Account Name
   • Account Type
   • Institution
   • Current Balance — Adjusting this updates the account balance directly. Balance changes sync across your devices via iCloud.
3. Tap Done to save your changes.

Deleting / Hiding Accounts

Coincert uses a soft-delete model. When you delete an account, it is hidden rather than permanently destroyed. This means your historical data is preserved and can be restored later.

To delete an account:

• Swipe left on the account row in the list, or
• Open the account editor and tap Delete Account at the bottom.

You will see a confirmation dialog: “This will hide the account and its transactions. You can restore it later.”

Confirming sets the account to inactive. It disappears from the Accounts list and its transactions no longer appear in totals or reports.

Account Balance Tracking

Coincert maintains a running account balance that updates automatically as you add, edit, or delete transactions:

• Adding a transaction adjusts the balance by the transaction amount (expenses subtract, income adds).
• Editing a transaction amount adjusts the balance by the difference between old and new amounts.
• Deleting a transaction reverses its effect on the balance.
• Importing transactions via OFX/QFX or CSV adjusts the balance for each imported transaction.

Each account row in the list displays the current balance. Negative balances (common for credit cards or overdrawn checking accounts) are shown in red.

Section Totals

Accounts are grouped by type in the list. Each section header shows the combined total for all accounts of that type. For example, if you have two checking accounts with balances of $1,500 and $3,200, the Checking section header shows $4,700.

Opening Balance

When you create an account, the balance you enter (or the ledger balance from an imported file) becomes the starting balance. Coincert uses this as the baseline for running balance calculations in the transaction list.

For asset accounts (checking, savings), the running balance starts from your account balance and works backward through transactions.

For liability accounts (credit card, loan, BNPL), the running balance starts from zero and accumulates based on charges and payments.

Platform Differences

iPhone iPad iPhone and iPad

The Accounts screen displays your accounts in a list grouped by type (Checking, Savings, Credit Card, Loan, BNPL). Each account shows its name, institution, and balance in a card-style row.

Tapping an account navigates to a transaction list for that account, where transactions are grouped by date in reverse chronological order (newest first). From there you can add, import, search, select multiple transactions, and manage individual transactions.

Key iOS/iPadOS interactions:

• Swipe left on a transaction to delete or categorize it.
• Swipe right on a transaction to flag or unflag it.
• Tap the Select button in the toolbar to enter multi-select mode for batch categorization or merging two transactions.
• The + menu in the transaction list lets you add a transaction manually or import from a file.

Mac macOS

The Accounts screen uses the same grouped list layout as iOS. However, tapping an account navigates to The Score — a full transaction register inspired by traditional desktop finance applications.

The Score provides:

• A spreadsheet-style layout with sortable columns (Date, Payee, Category, Amount) and running balances.
• Inline editing — click a row to edit date, payee, or amount directly in the register without opening a separate form.
• A quick-entry row at the bottom of the register for rapid transaction entry without opening a dialog.
• Keyboard shortcuts:
  • Cmd+N to jump to the new-entry row.
  • Cmd+Delete to delete the currently selected transaction.
  • Cmd+I to open the detail inspector for the selected transaction.
• Right-click context menus on accounts for edit and delete actions.

For a detailed guide to The Score, see Account Register (The Score).

Shared Across Platforms

The following features work identically on all platforms:

• Creating accounts (Add Account form)
• Editing account details (Edit Account sheet)
• Deleting/hiding accounts (soft delete with confirmation)
• iCloud sync of account data and balances
• OFX/QFX import during account creation
• Bank connection via Connect Bank