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 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 accounts synced from Lunchmoney, 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.

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.