Bank Accounts

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Overview

Bank Accounts in Budgetron represent your real-world financial accounts. Track balances across checking, savings, credit cards, and investments in one place.

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Account Types

Budgetron supports multiple account types:

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Checking

Your primary transaction accounts:

• Day-to-day spending
• Direct deposit accounts
• Debit card accounts

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Savings

Interest-bearing savings accounts:

• Emergency funds
• Goal-based savings
• High-yield savings accounts

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Credit Card

Credit and charge accounts:

• Credit card balances (shown as negative)
• Store credit accounts
• Charge cards

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Investment

Investment and brokerage accounts:

• Stock portfolios
• Retirement accounts (401k, IRA)
• Brokerage accounts
• Mutual funds

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Key Features

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Net Worth Tracking

The Bank Accounts page displays your total net worth by summing all account balances:

• Positive balances (assets) add to net worth
• Negative balances (liabilities like credit cards) subtract from net worth
• Automatically updates as transactions are added
• Multi-currency support with conversion to base currency

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Account Management

Create Accounts

• Add unlimited bank accounts
• Set initial balance
• Choose account type
• Specify currency

View Accounts

• Card-based layout showing key account info
• Balance displayed prominently
• Account type and currency indicators
• Quick access to account details

Update Accounts

• Edit account name, type, or balance
• Change account currency
• Modify account details anytime

Delete Accounts

• Remove accounts no longer needed
• Confirmation required to prevent accidental deletion

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User Workflows

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Adding a Bank Account

1. Navigate to the Bank Accounts page
2. Click the Add button
3. Enter account details:
   • Name: Your name for the account (e.g., “Chase Checking”)
   • Type: Select account type (Checking, Savings, Credit Card, Investment)
   • Currency: Choose account currency (defaults to USD)
   • Balance: Enter current account balance
4. Click Create to save

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Editing an Account

1. Find the account card on the Bank Accounts page
2. Click the options menu (⋮)
3. Select Edit
4. Modify account details
5. Click Save to update

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Viewing Account Details

1. Click on an account card
2. View:
   • Current balance
   • Account type and currency
   • Creation date
   • Associated transactions (if implemented)

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Deleting an Account

1. Click the options menu (⋮) on an account card
2. Select Delete
3. Confirm deletion in the dialog
4. Account is permanently removed

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Multi-Currency Accounts

Budgetron fully supports accounts in different currencies:

• Each account stores its balance in its own currency
• Net worth automatically converts all accounts to your base currency
• Exchange rates update regularly
• Clear indicators show which accounts use foreign currencies

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Empty State

When you haven’t added any bank accounts yet:

• A helpful card prompts you to add your first account
• Clear call-to-action button to get started
• Guidance text explains next steps

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Technical Details

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Data Structure

Bank accounts are stored with:

• id: Unique identifier
• userId: Owner of the account
• name: User-defined account name
• type: CHECKING, SAVINGS, CREDIT_CARD, or INVESTMENT
• currency: Three-letter currency code (e.g., USD, EUR, GBP)
• balance: Current account balance
• createdAt: Account creation timestamp
• updatedAt: Last modification timestamp

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Unique Constraints

Budgetron enforces uniqueness on the combination of:

• User ID
• Account name
• Account type

This prevents accidentally creating duplicate accounts with the same name and type.

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API Integration

Bank account operations use these endpoints:

• bankAccounts.getAll(): Fetch all user’s accounts
• bankAccounts.create(): Add a new account
• bankAccounts.update(): Modify account details
• bankAccounts.delete(): Remove an account

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Balance Updates

Account balances don’t automatically update from transactions. Balances are manually maintained through the account editing interface. Future versions may add automatic balance tracking based on transaction history.

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Best Practices

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Related Features

• Transactions - All transactions link to bank accounts
• Reports - Analyze account activity over time
• Categories - Organize spending from each account