Before you start
Use Cash for balances that are already cash or cash-like: bank accounts, brokerage cash, treasury reserves, money market balances, Wise, Revolut or operating cash. Do not use Cash for available credit, securities, crypto, private funds or property.
Detailed steps
Open Assets > Cash
Start in Cash and check the existing rows. If the account already exists, update that row instead of creating a duplicate. Cash should represent balances that are already liquid.
Choose the correct Accounts action
Use Cash Account for a manual balance. Use Import Statement when a bank PDF, CSV or screenshot should be extracted first. Use Bank or Brokerage only when the broader account label matters for the record.
Enter name, institution, balance and currency
Use the account name and institution from the source. Enter the current balance in the source currency. Do not convert manually just to match the portfolio base currency.
Verify the Cash table after saving
After saving, check the table row for name, institution, owned value, currency and liquidity. Cash usually has daily liquidity, but restricted cash needs a note or different treatment.
Review bank import rows separately
When importing a bank statement, separate the balance row from transaction-history rows. The balance row updates the cash record; transaction rows explain movement and should not be counted again as separate assets.
Confirm the Net Worth and liquidity effect
Open Net Worth after adding or importing cash. Assets and accessible liquidity should reflect the saved balance. If Net Worth looks too high, check for duplicate manual and imported accounts.
Field guide
Your label for the cash record.
Use a name that explains purpose or account type.Bank, custodian, payment app or statement source.
Use the source name from the evidence.Current cash balance.
Use the latest cleared balance unless pending items are intentionally included.Native currency of the cash balance.
Do not change it to the base currency manually.How quickly the balance can be used.
Daily is normal only when the cash is unrestricted.Cash set aside for tax, escrow, debt or operating needs.
Add a note before treating it as investable.History rows explaining movement.
Do not double-count transaction rows as new cash balances.Decision rules
What it adds
- Shows spendable liquidity in the same base currency as the rest of the portfolio.
- Helps Capital Review identify excess cash or short liquidity.
- Improves Forecast assumptions for runway and debt service.
What it does not do
- There are no live bank connectors in v1.
- Balances are not guaranteed current unless recently imported or updated.
- Cash safety depends on the bank, jurisdiction and deposit protection scheme.
Common mistakes
What to check
- Do not include the same balance from both a manual record and imported row.
- Keep account identifiers partial and avoid storing full credentials.
- Review FX exposure when cash is held away from spending currency.
Entering available credit as cash.
Duplicating an account manually after importing it.
Entering pending transfers in both accounts.
Treating restricted tax, escrow or operating cash as investable without a note.
Changing account currency to match the portfolio base currency.
Using Cash for securities or crypto you could sell later.
Ignoring FX exposure when cash is held in a different spending currency.
After you save
- Check the Cash table row and category total.
- Open Net Worth and confirm accessible liquidity changed correctly.
- Open Forecast if cash reserve or runway matters.
- Open Investment Plan only after reserved cash is excluded from investable budget.
- Use Import Statement when a future bank file should update the account.
- Update the balance when statements or large transfers change the real cash position.