Transforming your finances

💰 Managing Accounts

Account Types

FinyxFin supports five different account types to match your real-world finances:

• 💵 Cash: Physical money, petty cash
• 🏦 Bank: Checking and savings accounts
• 💳 Credit Card: Credit cards and lines of credit
• 📱 Digital Wallet: PayPal, Venmo, Apple Pay balance
• 📈 Investment: Stocks, bonds, retirement accounts

Creating an Account

1. Tap the + button in the Accounts section
2. Enter a descriptive name (e.g., "Chase Checking", "Emergency Fund")
3. Select the account type
4. Set the current balance
5. Choose your preferred currency (default: USD)
6. Customize with an icon and color for easy identification
7. Tap Save

Editing & Managing Accounts

• Edit: Tap on any account to view details and make changes
• Deactivate: Turn off accounts you no longer use without losing history
• View History: See all transactions associated with an account
• Balance Adjustment: Manual corrections for reconciliation

📊 Tracking Transactions

Adding a Transaction

1. Tap the + New Transaction button
2. Select Income or Expense
3. Choose the account to record the transaction from
4. Enter the amount
5. Select or create a category
6. Add a description (optional but recommended)
7. Set the date (defaults to today)
8. Attach a photo of receipt (optional)
9. Add tags for better organization (optional)
10. Tap Save

Transaction Categories

Built-in categories include:

• 🍔 Food & Dining: Groceries, restaurants, coffee shops
• 🚗 Transportation: Gas, public transit, ride-sharing
• 🛍️ Shopping: Clothing, electronics, household items
• 🎬 Entertainment: Movies, concerts, hobbies
• 📄 Bills & Utilities: Rent, electricity, internet
• ❤️ Healthcare: Medical expenses, pharmacy, insurance
• 📚 Education: Tuition, books, courses
• 💰 Salary: Paychecks, bonuses
• 💼 Business: Business income and expenses
• 📈 Investment: Dividends, capital gains
• 🎁 Gift: Gifts given or received

Custom Categories

Create your own categories to match your unique spending patterns:

1. Go to Settings → Categories
2. Tap Add Category
3. Name your category
4. Choose an icon and color
5. Select type (Income or Expense)

Editing & Deleting Transactions

• Edit: Tap on any transaction to modify details
• Delete: Swipe left on a transaction and tap Delete
• Duplicate: Long press to create a copy for recurring expenses
• Search: Use the search bar to find specific transactions
• Filter: Filter by date range, category, or account

🎯 Goals & Budget Management

Creating Financial Goals

1. Navigate to the Goals section
2. Tap New Goal
3. Give your goal a name (e.g., "Emergency Fund", "Vacation to Japan")
4. Set your target amount
5. Choose a target date
6. Add an initial contribution (optional)
7. Select an icon and color
8. Tap Create Goal

Contributing to Goals

• Tap on a goal to view details
• Tap Add Contribution
• Enter the amount you're contributing
• Track your progress with the visual indicator

Setting Up Budgets

1. Go to the Budgets section
2. Tap Create Budget
3. Select a category to budget for
4. Set your spending limit for the month
5. Choose alert thresholds (e.g., 80%, 100%)
6. Tap Save

Monitoring Budgets

• Visual Progress: Color-coded bars show spending vs. budget
• Alerts: Receive notifications when approaching limits
• Monthly Reset: Budgets automatically reset each month
• Historical Data: Compare month-to-month performance

Goal Strategies

Budget Categories

Common budget categories to consider:

• Essential: Housing, utilities, groceries (50-60% of income)
• Transportation: Gas, maintenance, insurance
• Savings: Emergency fund, retirement (20% of income)
• Discretionary: Entertainment, dining out (20-30%)
• Debt Repayment: Credit cards, loans

🚀 Advanced Features

Investment Portfolio Management

Track and manage your investment portfolio with detailed analytics:

Adding Investments

1. Navigate to Investments section
2. Tap Add Investment
3. Enter investment name (e.g., "Apple Stock", "S&P 500 ETF")
4. Select investment type (Stocks, Bonds, Mutual Funds, ETF, Crypto, Real Estate)
5. Enter purchase details:
   • Quantity/Shares
   • Purchase price
   • Purchase date
   • Fees/commissions
6. Link to an investment account
7. Save and track performance

Investment Analytics

• Portfolio Overview: Total value, gains/losses, and allocation
• Performance Tracking: ROI and percentage returns
• Asset Allocation: Pie charts showing diversification
• Historical Performance: Track value over time
• Dividend Tracking: Record dividend income automatically

Loan & Debt Management

Comprehensive loan tracking and payment planning:

Creating a Loan

1. Go to Loans section
2. Tap Add Loan
3. Enter loan details:
   • Loan name (e.g., "Student Loan", "Car Loan")
   • Principal amount
   • Interest rate (annual)
   • Loan term (months/years)
   • Start date
4. Choose loan type (Personal, Mortgage, Auto, Student, Business)
5. Set payment frequency (Monthly, Bi-weekly, Weekly)
6. Review payment schedule and total interest

Loan Features

• Amortization Schedule: See principal vs. interest breakdown
• Payment Tracking: Mark payments as completed
• Extra Payments: Calculate impact of additional payments
• Payoff Projection: Estimated payoff date and savings
• Multiple Loans: Compare and prioritize debt payoff strategies

Bill Management & Reminders

Never miss a payment with smart bill tracking:

Setting Up Bills

1. Navigate to Bills section
2. Tap Add Bill
3. Enter bill information:
   • Bill name (e.g., "Electric", "Netflix", "Rent")
   • Amount (can be variable or fixed)
   • Due date
   • Category
4. Set recurring pattern:
   • Monthly (most common)
   • Weekly
   • Bi-weekly
   • Quarterly
   • Yearly
   • Custom
5. Link to payment account
6. Enable reminder notifications

Bill Features

• Payment History: Track when bills were paid
• Upcoming Bills: Dashboard showing bills due soon
• Auto-record: Automatically create transactions when marked paid
• Variable Bills: Update amounts for utilities that vary
• Notifications: Custom reminders (1 day, 3 days, 1 week before)

Reports & Analytics

Gain insights into your financial patterns:

Available Reports

• Spending by Category: Pie charts and bar graphs showing where money goes
• Income vs. Expenses: Monthly comparison trends
• Net Worth Tracker: Track total assets minus liabilities over time
• Cash Flow Analysis: Detailed income and expense flow
• Budget Performance: Compare actual spending vs. budgeted amounts
• Goal Progress: Track savings goal achievement rates
• Account Balances: Historical balance trends for all accounts

Data Management

Export & Backup

• CSV Export: Export transactions for use in spreadsheets

Import Data

• CSV Import: Import bank statements or data from other apps
• Bulk Import: Add multiple transactions at once

Settings & Customization

Preferences

• Default Currency: Set your primary currency
• Date Format: Customize date display preferences
• Notification Settings: Customize reminder frequency and timing
• Security: Enable Face ID/Touch ID protection

Appearance

• Theme: Light, Dark, or Auto (follows system)
• Accent Colors: Customize app color scheme
• Dashboard Layout: Rearrange widgets and cards
• Chart Types: Choose preferred visualization styles

Recurring Transactions and Bills

Automate your regular income and expenses:

1. Create a transaction as usual
2. Enable "Make Recurring"
3. Set frequency (daily, weekly, monthly, yearly)
4. Choose end date or make it ongoing
5. FinyxFin will automatically create these transactions on schedule

Privacy & Security

Your financial data is protected:

• Local Data: All data stored locally on your devices
• iCloud Sync: End-to-end encrypted cloud sync (optional)
• Biometric Lock: Face ID/Touch ID protection
• Auto-lock: App locks after period of inactivity
• No Ads: No third-party tracking or advertisements
• No Account Required: Use the app without creating an online account