Connected accounts

What it's for

You need to keep accounts with another person (or between your own books): a loan to a relative, the shared costs of a home or a trip that you settle up later, or money you move between your personal book and your freelance one. A connected account solves it: one account in each book, synced. What one side logs appears on the other automatically (with the opposite sign, like a mirror), without logging it twice.

When to use it

• Shared costs you settle up later: you share a flat or life as a couple and each keeps their own book. One pays a shared expense and the mirror entry appears in the other's book, so you always know who paid what and can settle up.
• Tracking loans between friends or family: you lend €500 to your brother. You create a connected account, log it, and it appears as a debt on his side automatically. When he pays you back, it's reflected on his side and you see it instantly.
• Moving money between your own books: you have a personal book and a freelance one. When you take money out of the business for personal use (or the other way round), you log it in one book and it appears in the other, so you don't lose track of what you moved across.
• Shared trip expenses: one person pays, the others reimburse. The connected account tracks the net balance.

How to create one

On the Accounts screen, tap the arrow next to "+ New account" and choose "New connected account".

You have two options:

• Between my books: if you have multiple books, choose which one to create the sister account in. The connection is instant, no invitation needed.
• With another person: enter their email. They receive an invitation. When they accept, the account is connected in their book. The invitation expires in 7 days.

Creating the connection requires Cuéntamo Más. Accepting an invitation and using the connected account is free.

How sync works

Every movement you log on your side appears with the opposite sign on the other side. You log a €50 expense (money leaves your joint account): the other person sees a €50 income on their side of the account. And vice versa.

What syncs:

• Amount and date: always. You can't change the amount or date of a movement that comes from the other side.
• Concept: copied when created, but each person can then customise it on their side without affecting the other.
• Category, notes, scope: each book manages its own. You can categorise your entry as "Food" and the other person theirs as "Loan to Marta", each in their own way.

The real/forecast state doesn't sync: when a movement arrives from the other book, it arrives as forecast. Each person confirms it as real in their own book whenever they choose.

Does it count as my expense, or is it just a debt adjustment?

A connected account holds two different things, and they aren't always real income or expense for you:

• A real expense of yours paid by the other person: your dad pays for a gift from his account. For you it is an expense (category "Gifts"); for him it's just money you owe him.
• An advance or reimbursement: you front something and get paid back later (or the other way round). That's not income or expense for you: it's just a debt adjustment.

That's why every movement in a connected account has a "Don't count as income or expense" checkbox. Tick it and the movement disappears from the donuts, the monthly summary, the analysis and the forecast, but its balance still counts in the account and your net worth. Leave it unticked and it counts as a normal expense or income (and you can give it a category).

By default, each movement is born with the opposite value to the other side: if it's a real expense or income for whoever creates it, it arrives marked as a debt adjustment for the other party. And a transfer you make into the shared account isn't income or expense for you either (you're moving your own money); it reaches the other person also marked as a debt adjustment by default (doesn't count), since it's usually an advance or a reimbursement. If for them it is a real expense or income, they enable it with the «This is my real expense/income» button and give it a category. It's only a starting point: each side can change it, movement by movement or in bulk (select several in Movements and use the "Income/expense…" action).

Validation: reciprocal lock

When you confirm as real a movement that came from the other book, it becomes agreed: the other person can no longer change it (neither amount nor date) nor delete it. This protects your accounting: once you've accepted an operation, nobody can change it behind your back. As long as it remains forecast on your side, the other party can still correct it and the change is reflected on yours.

To reopen something already confirmed: you un-mark it (back to forecast) → the other party can correct it → you confirm it again. It's the only way to change something agreed, and it's reciprocal.

And since a confirmed settlement is fixed, you can pair it into a transfer safely —for example, a debt repayment you receive in your account with the incoming bank movement—: both get linked and the debt is settled in a single operation.

Messages with the other party

Sometimes a movement needs an explanation: "this was Raúl's present, I'll pay you back", "are you sure this is your expense?". Instead of firing off a loose WhatsApp that nobody can tie to a movement, you can leave a note on the movement itself.

Every movement in a connected account shows a conversation icon (💬). Tapping it opens a thread between the two parties, tied to that specific movement. You write, the other person reads it from their book and replies. It's private between the two of you and stays attached to the movement, so three months later it's still clear what you were talking about.

When the other party leaves you an unread message, a notification appears in the sidebar with the number of movements with pending messages. Tapping it takes you to those movements (of any date) so you can read them and act. Opening each conversation marks its messages as read.

Disconnecting

Either party can request disconnection from Settings. The other must confirm it. When disconnected, the accounts stop syncing but existing movements are preserved in both books as they are. Nothing is lost.

Tips

• If you share your life with another person, consider whether a connected account or sharing the entire book suits you better. Sharing everything is simpler if finances are completely joined. Connecting just one account is better if each person wants to keep their book private and only share what's common.
• For personal loans, use a connected account of type "Other" and add the loan amount as the initial balance. The balance decreases as it's repaid.
• Connected accounts also work in budgets and analysis: each side treats them as regular accounts of their own.