Accounts

What you see

Accounts are grouped by type with a total at the top. Each card shows the account's type, its allocation strategy and expected annual return, the owner, and the current value. Click a card to edit it inline.

Adding an account

• Account Type — checking, savings, investment, crypto, IRA/Roth/401(k) variants, HSA, FSA, 529, or Other. The type sets a sensible default liquidity level, which you can override.
• Total Account Value — the balance today. Each save records a dated snapshot, so the app builds a history of your balances over time rather than overwriting them.
• Asset Allocations (optional) — pick Conservative, Moderate, or Aggressive to auto-fill a mix across asset classes, or Custom to enter each slice yourself (by percentage or dollar amount). The allocation determines the account's expected return in projections. Allocations must total exactly 100% to save.

Individual holdings

Instead of (or alongside) an overall allocation, you can list the individual securities an account holds — symbol, units, and price. The account's asset-class breakdown is then derived from the holdings themselves.

• Works with your allocation — by default, value not covered by your listed holdings follows the account's asset allocation. Turn that off to model the uncovered value as cash instead.
• Asset class is automatic — each holding gets a class from its ticker, its name, or its type (crypto → Crypto, bonds → Bonds, stocks/ETFs → US large-cap), overridable per holding in its details.
• Stablecoins are treated as cash — USDT, USDC, DAI, and similar USD-pegged coins count toward the Cash asset class, not Crypto, so they don't carry crypto-level volatility in projections.
• On synced accounts, holdings and units come from the provider and aren't editable — pause sync to take over manually. Prices and cost basis stay editable either way.

Synced holdings

Investment accounts connected through Plaid (and crypto accounts through Lunchmoney) sync their individual holdings automatically: each security's units, price, value, and cost basis are refreshed on every sync, and the account's asset-class mix is derived from them instead of a preset allocation.

• Asset classes are recognized, then guessed — well-known tickers (VTI, BND, VXUS, …) and unambiguous names ("Bond", "Treasury", "International", "Emerging", "Real Estate", "Money Market") are classified with confidence. Anything else gets a best guess from the provider's security type (an unknown stock or fund is treated as US large-cap) and is flagged with a warning icon until you confirm it or pick a class. Your choice sticks across future syncs.
• Account value vs. holdings — the provider reports an account balance separately from its holdings, and the two can differ: they refresh on different schedules, some institutions leave pending trades or sweep cash out of the holdings list, and test (sandbox) data is simply inconsistent. The account value is always the provider balance. In projections each holding is weighted by its own value; if the holdings add up to less than the balance, the difference is modeled as cash, and if they add up to more, the difference is modeled as negative cash (as if borrowed on margin). Small gaps usually clear on the next sync.
• Target mix — if you turn on "Use asset allocation for the rest of the account", uncovered value follows your allocation instead of cash, and sync keeps that setting.

Good to know

• Loans and physical property don't belong here — those go under Debts and Assets.
• Retirement accounts are treated as illiquid until the owner reaches 59½, at which point the dashboard counts them as moderately liquid — this affects the Runway and Passive Income numbers.
• If you skip allocations, the projection still works — it just uses a default growth assumption instead of one tailored to your actual mix.