Plan together in a space

When accounts live in a space, you can plan the money together: budgets and goals everyone sees, movements any member can correct and a clear account of how much each person put in.

A space’s budgets

A space’s budget counts the accounts that live in that space, whoever they belong to. Every member sees it and Members can change it. Only whoever created it, the Owner and Managers can delete it or take it out of the space.

• Create: in the space, under Plans, Budgets, create the budget as usual.
• Move one of your budgets: in the budget’s menu, choose Put in a space.
• Take out: with Take out of the space, the budget becomes personal again and counts only your personal accounts.

A space’s budget can follow a category any member created. For everything else, see Budgets.

A space’s goals

A goal can belong to a space. Create it inside the space or, on one of your goals, open the menu (⋯) and choose Put in a space, then the space.

• Who can do what: every member sees the goal. The Owner, Managers and Members can change its name, target, plan and how much is set aside; a Member cannot delete it.
• Where the money comes from: a goal in a space can set money aside from any account that lives in that space, whoever it belongs to. In Manage accounts, each account of someone else says whose it is (for example, Ana’s); yours carry no label. Accounts that show only their balance, and accounts outside the space, are not offered. Together, the space’s goals never set aside more than an account has free (its balance minus its minimum balance). There is one progress figure, the same for every member. A Reader sees the goal but does not choose accounts.
• Before personal goals: on an account that lives in a space, the space’s goals count first. A personal goal using the same account gets what is left.
• Moving a goal in: the money it already holds must be in accounts of that space; if it is not, the app says so and the goal does not move. The automatic fund is always personal and cannot be moved.
• Take out: with Take out of the space, the goal becomes personal again. Only the person who keeps it, the Owner or a Manager can do this. Once out, the goal stops holding money from other people’s accounts and keeps what it holds in its keeper’s own accounts.
• When an account leaves: if an account leaves the space, switches to showing only its balance, or leaves with the person who put it there, the space’s goals stop holding money from it. When the person who keeps a goal leaves the space, or the space is closed, the goal goes back to them as a personal goal.

Moving a goal into or out of a space keeps its history. For everything else, see Goals.

A space’s categories

Each space has its own list of categories. It starts as a copy of the usual list of whoever created it, and the categories of anyone who puts an account in the space join it. The Owner and Managers manage the list in Space settings, in the Categories row. Your own categories are no longer in your account’s Settings: in Personal or All spaces, open the switcher at the top of the side menu and choose Categories.

• Add category: create a spending or an income category.
• Rename.
• Merge into another category: the space’s movements that were in one move to the other, and the first leaves the list.
• Hide: the category is no longer offered, but still shows on movements that already have it.

Members and Readers see the list but cannot change it. When you recategorise a movement in the space, you pick from the space’s list.

Change shared movements

On a movement from another person’s account that lives in the space, a Member can use Edit to change the Name, the Category and the Note. The category is chosen from the space’s list: spending categories for money out and income categories for money in. If you choose a category the movement’s owner did not have, the owner gets it in their own list too. A line on the movement says who last changed it and when, for example “Changed by Ana on 12/11”. Beside the category, Split divides the movement into 2 to 10 parts, each with its own category, adding up to the movement’s amount. Afterwards, Change split edits the parts and Merge into one category undoes the split. If the account’s owner split the movement, only they can change the split. Transfers and investments cannot be recategorised or split by another member.

My share

In Accounts, in your personal space, the My share card lists each account that lives in one of your spaces. For each one it shows what was Spent from the account this month, your share of that spending, and how much You transferred into it. From the account’s menu, How it counts in your personal space opens three choices:

• In full: the account counts entirely in your personal space, as if it were only yours.
• A share: it counts the percentage you enter of each movement and of the balance.
• Not counted: the account stays in the space only.

The choice changes only your personal space: balances, money in and out, net worth and your personal budgets count that part. The space and Everything always count the account in full, once, so if you count an account in full or in part, your personal space plus the other spaces adds up to more than Everything. The lists still show each movement at its real amount; only totals carry the share. For an account counted in part, Accounts and the account’s page show both figures, the real balance and your share beside it (for example, €4,212.80 · your share: €2,106.40), and the balance after each movement is always the real one. The choice is always yours, and you see it at the moment it starts to count. When you put an account in a space that already has other people, the sharing step shows In your personal space, with In full already selected. When you invite the first person to a space that already holds accounts of yours, the invitation lists those accounts with the same choice: it applies from the moment the person accepts, and nothing changes if the invitation is never accepted. An account in a private space does not count in your personal space. When someone leaves, including the last other person, what you chose stays. Other members start at Not counted for accounts that are not theirs, until they choose.

Transfers into the joint account

When you transfer from your own account to an account another member put in the space, and both movements are categorised as transfers, they are linked automatically and count as neither spending nor income. Either person can undo the link. See also How transfers work. If the movement in the joint account came from an account of yours and was not linked, choose This transfer is mine on it. It then stops counting as income of the space and as spending of yours. This works when both sides are bank movements with the same amount and currency, within three days of each other, and exactly one match exists. If there is none, or more than one, the app tells you.

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