Moneyby Great Anh
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Money

User guide

Start with the accounts you want to track. Add spending and retirement planning when you are ready. You do not need to recreate your entire financial history to begin.

Start small

  1. Try the read-only demo with sample data. Nothing you see there is your personal portfolio.
  2. Ask the person running Money for an invitation. Open the invitation and set your password; there is no public sign-up.
  3. Add one account in Holdings, or import a brokerage positions export.
  4. Check the quantities and values against your statement, then review the Executive Summary.

Begin with today's balances. You can add the rest of your accounts and refine your plan later.

Your first holdings

A holding is a position or balance, not a bank connection. Enter data manually or use the brokerage import with a CSV or pasted table. Review the column mapping and selected rows before saving; avoid adding the same position twice.

Bridge
Assets available before retirement, such as cash and taxable investments.
Future
Retirement-oriented assets, such as retirement accounts and an HSA.
Property
Real estate, kept separate from your investment portfolio.
Liability
Debts that reduce your net worth. Enter the outstanding balance as a positive quantity.
  • Stocks and funds: use the ticker as the asset and enter your current share count as starting shares. Supported symbols can receive automatic prices.
  • Cash or debt: a $5,000 balance is normally 5,000 units at $1 each, not one share at an automatic stock price.
  • Property: normally use a quantity of 1. An address enables supported automatic estimates; a positive override price sets your own valuation.
  • Custodian and owner: keep institution names consistent and choose User, Spouse, or Joint so grouping and imports stay clear.

A positive override price replaces automatic pricing. Check Source before relying on a value: a fallback or old quote is not a current market valuation. Day Change / Share is the change from the previous market close, not the gain on your whole position or your purchase price.

Before the US market opens, on weekends, and on holidays, a dated Last session changeremains visible. Once a new session starts, Awaiting today's quote replaces yesterday's amount until a regular-session quote arrives. End-of-day prices show their Latest valuationdate instead. Session times use New York time; an unknown quote date is not treated as today's change.

Keep it current

After starting with current balances, record subsequent buys and sells in Trades. Trades adjust the starting share count. Do not also change starting shares for the same trade, or import historical trades already included in that starting balance.

Periodically use Compare with my holdings against a fresh brokerage export to find quantity differences. Review proposed fixes before applying them. Update cash, debt, and manual valuations when your statements change; automatic prices do not sync account balances.

Net Worth History tracks snapshots over time. Scheduled prices and snapshots depend on the operator's settings; check timestamps and overdue warnings.

Explore your plan

  • Portfolio Analytics breaks down where your assets are concentrated.
  • Settings holds the assumptions for your plan. Review them before interpreting projections.
  • Cash Flow puts planned income and expenses in context.
  • Spending tracks recorded expenses. Incomplete coverage is not zero spending.
  • Withdrawal Tracker separates portfolio withdrawals and their budgets from everyday spending.
  • Withdrawal Projections explores possible outcomes using your assumptions, not guaranteed returns.

Planning outputs and any available AI analysis are estimates, not financial advice. Confirm important decisions with your statements and a qualified adviser.

Sharing and privacy

In Settings, share a dashboard with another account as a viewer or editor. Viewers cannot change it; editors can. Check which dashboard is selected before making changes, and remove access when it is no longer needed.

Do not enter bank passwords, account numbers, or other secrets. This is not a bank-login or automatic transaction-sync service.

Privacy: who can see my data?
  • Other users never see your dashboard unless you share it with them (Settings → Sharing); the database itself enforces this.
  • The person who runs Money can technically reach all data: it lives in a database they administer, the daily price and snapshot jobs read every account, and admin backups include everyone's rows.
  • Stock tickers are sent to Finnhub and property addresses to RentCast to look up prices. No bank logins are stored — everything here is entered by you, so leave out account numbers and passwords.

If you choose an AI analysis feature, the financial context needed for that analysis is sent to the configured AI provider. Use it only if you are comfortable with that additional processing.

Common questions

Can I simplify a table?

Open Columns above a table to show or hide optional fields. Your choices are saved separately for each table and signed-in user in this browser, not across devices. Identity fields and editing controls stay visible. Reset columns restores the full view.

Why is a price missing or unexpected?

Check the ticker, category, override, and price source. Automatic pricing requires a supported symbol and configured refresh jobs. Use a manual override for unsupported assets and review it regularly.

Why can't I edit a dashboard?

The demo is read-only. A shared dashboard may also give you viewer access only. Switch to your own dashboard or ask its owner for editor access.

What if I forget my password?

Use Forgot password? on the sign-in page with your invited email address. Follow the reset email; contact the operator if you cannot access your account.

Do I need to use every screen?

No. Holdings and the Executive Summary are enough to start tracking your net worth. Add history, spending, and retirement planning as they become useful to you.