What is an account in Kiso Money?

An account is any place where money is stored: card, cash, savings, foreign-currency account, or another source tracked separately. You can also customize icon, colors, description, and short hints.

Can I create multiple accounts?

Yes. Create separate accounts for cards, cash, savings, currencies, and other financial goals.

Can I customize account appearance?

Yes. You can use ready icons, custom symbols, icon/background colors, and descriptions to make accounts easy to distinguish.

Can accounts be grouped?

Yes. Group accounts by logic such as cards, cash, savings, or currency accounts.

Can I keep accounts in different currencies and assets?

Yes. Each account can have its own currency or asset so money and holdings are tracked as they are actually stored.

What is base currency?

Base currency is the main unit for the total financial picture. Other currencies and assets are converted into it for analytics and charts.

How are historical chart values converted?

Each chart point uses the rate or price for that specific day. Past points are not recalculated by today’s value.

How is a transfer different from an expense?

Transfer moves money between your own accounts. Expense is money actually spent. Keeping them separate is essential for accurate analytics.

Can an account be used as savings?

Yes. Mark an account for savings goals and track it separately in savings analytics.

Accounts, Currencies, and Assets in Kiso Money — Cards, Cash, Savings, and Multi-Currency Tracking

Why accounts matter

See where your money is stored: cards, cash, savings, and other financial places.
Avoid mixing all funds into one number so available money and reserves stay clear.
Record operations precisely: expense withdraws from one account, income goes to another, transfer moves between your own accounts.
Get one total picture in base currency even when accounts use different currencies or assets.

Accounts for cards, cash, and savings

In Kiso Money an account is any place where your money is stored: a bank card, cash wallet, dedicated savings account, foreign-currency account, or another source you want tracked separately.

You can customize account names, icons, and descriptions. For cards, the last four digits help quickly distinguish similar accounts.

Examples of accounts

Primary bank card
Cash wallet
Card for daily spending
Savings account
Foreign-currency account (USD/EUR)
Dedicated family expense account
Account for a financial goal

Customize account appearance

When account count grows, visual distinction becomes important. Kiso Money lets you set icon, icon color, background color, and short description for each account.

Icon editor supports ready icons and custom symbol style using a letter or short abbreviation.

What you can configure

Account name
Account icon
Icon color
Background color
Account description
Last 4 digits or short hint
Custom letter/symbol mark

Account groups

As account volume grows, grouping keeps structure clean: bank cards, cash, savings, foreign currencies, and goal-specific accounts.

Groups make lists less noisy and help navigate quickly across personal and family finance structures.

Examples of account groups

Bank cards
Cash
Savings
Currency accounts
Family accounts
Financial goals

Account currency or asset

Each account has its own currency or asset: UAH, USD, EUR, gold, silver, platinum, or selected market instruments.

Operations inherit account currency automatically. For asset accounts, value can be converted to base currency by current rate or price.

What currency/asset support gives

Clear balance per account
Correct operations in account currency/asset
Separation of UAH, USD, EUR, and other accounts
Support for assets like gold, silver, platinum, and market instruments
More accurate total finance analytics
One total view in base currency

Base currency

Base currency is the main unit for total finance picture. For many users in Ukraine it is UAH, but you can choose what matches your life context.

For historical charts Kiso Money uses the rate or price for the exact chart day, not today’s value.

Where base currency is used

Total money and assets amount
Balance analytics by day
Savings charts
Overall personal/family finance view
Cross-period comparisons

Savings accounts

Any account can be used as savings: emergency fund, travel, target purchase, currency reserves, or long-term accumulation.

Separate savings visibility helps avoid mixing reserves with daily spending money.

Typical savings account goals

Emergency fund
Vacation
Tech purchase
Home renovation
Foreign-currency savings
Asset-based savings (gold/silver)
Long-term reserves
Shared family goal

Transfers between your own accounts

Transfer moves money from one of your accounts to another: card to cash, primary card to savings, or between currency accounts.

Transfer is not an expense. It only changes storage location. Real expense appears when money is actually spent.

Transfer examples

Card to cash
Primary card to savings
Between personal and family account
Between different currencies
Return from one own account to another

How accounts are used in expenses, income, and analytics

Accounts connect operations to real finance structure: expense decreases selected account, income increases selected account, transfer updates two balances at once.

In analytics, accounts improve total balance accuracy, history tracking, and savings view while keeping focus on overall financial dynamics.