How to use ibLedger

Every transaction line picks a wallet, where the money sits, and a fund, what the money is for.

Because every line picks one of each, your wallet balances and your fund balances always come to the same total. They are two views of the same money.

Savings is a special fund. It can't be deleted, and it catches whatever the other funds don't claim.

Add every account your money actually sits in as a wallet, and add a fund for each thing you set money aside for. You start with a Bank wallet and a Savings fund. Rename them, add your own, or head straight to the tracker.

Nothing you choose here is permanent. Wallets and funds can be renamed, added, or removed later from the Wallets and Funds pages.

A new ledger starts at $0.00, so if you already have money in these accounts, record it once as your first transaction, one line per wallet, direction In, for the amount sitting there. Put it against Savings unless it is already earmarked for something. Money entered as a transaction isn't split by your income shares, so it lands exactly where you put it.

Each fund other than Savings has an income share: the percentage of each paycheck that flows into it. Savings keeps whatever is left over, so the shares always add up to 100%.

Set the shares on the Funds page. Drag a divider on the allocation bar, or focus a divider and use the arrow keys, holding Shift for bigger steps. Nothing is saved until you press Confirm, and Revert undoes every change.

When you record income it splits itself by those shares. Open an income entry to see the breakdown.

Amount fields fill in cents-first, so there is no decimal point to type. This is true of every amount field in the app, including the Minimum and Maximum filters on the Transactions page.

Turn on Pending for money that hasn't settled yet. Pending amounts stay out of your cleared balance until you clear them.

To settle several at once, filter the Transactions page to Status “Pending” and use Clear pending. It settles exactly the transactions matching your filters, and the button says how many. Everything outside them stays pending. To settle the whole ledger in one go, use Clear all pending on the Overview instead.

A single transaction can split across several wallets and funds. Use Add line in the transaction modal. Each line carries its own wallet, fund, description, direction (in or out), amount, and pending flag. The editor shows a running net total as you go, so you can check what the whole entry comes to.

The transaction counts as pending if any one of its lines is pending.

Every entry in a list carries a small icon on the left saying what kind of entry it is.

The grey line above the description is the entry's meta line. It names the date, wallet and fund, and reads Multiple in place of a name when the entry's lines span more than one wallet, or more than one fund. Open the entry to see which.

A description in italics means the transaction is still pending; the meta line spells that out too.

There is no separate transfer screen. A transfer is one transaction with two lines that use the same fund and opposite directions: an Out line on the wallet the money leaves, and an In line of the same amount on the wallet it arrives in.

Keeping both lines on the same fund is what makes it a transfer rather than a spend: your wallet balances change, your fund balances don't, and the net total of the transaction comes to $0.00.

This is also how you empty a wallet you want to delete, since a wallet holding money can't be deleted.

Funds don't go below $0. When one would, it floors at zero, shows an Overspent badge, and Savings covers the difference.

A badge marked “pending” means the fund is fine today, but goes past zero once its pending transactions clear.

Savings is the buffer of last resort. Every other fund stops at $0.00 and shows an Overspent badge, and the shortfall does not vanish. It is taken off Savings. Several overspent funds all come off the same place, so the figure on Savings is your own savings minus everything the other funds went over by.

That is why Savings has no Overspent badge of its own, and why it is the one fund that can show a negative balance. A deeply negative Savings means the ledger as a whole has paid out more than it has taken in, not that one particular fund misbehaved.

To bring it back: record the income you have not entered yet, or lower the other funds' income shares so less is routed away from Savings in the first place.

A wallet or fund that still holds money, including pending money, can't be deleted. Move the money elsewhere and clear any pending transactions first.

Savings can't be deleted, and you always keep at least one wallet.