How moni counts: From → To

Every transaction in moni moves money from one category to another. Where the money comes from and where it goes tells moni what the transaction is.

Lesson 3 of 32 2 min

  1. Every transaction is From → To

    When you add a transaction, moni asks two things: From, where the money comes from, and To, where it goes. That’s all of it.

    Your categories live in three sections: Income, Balance and Expenses. Like Salary, Wise and Groceries from your first setup.

    New transaction asking From: the Income and Balance sections with their categories

  2. Income: from Income to Balance

    Salary to Wise is income: money comes into your hands. moni adds it to your balance and to this month’s income on Home.

    Income categories say where money comes from: a salary, freelance work, a gift. Balance categories say where you keep it.

    New transaction from Salary to Wise: income of 3,200.00 US dollars

  3. Expense: from Balance to Expenses

    Wise to Groceries is an expense: the money leaves your balance for good. It counts toward this month’s expenses and budget.

    Here Wise is in dollars and Groceries in rupiahs, so moni shows both amounts and turns one into the other at the day’s rate.

    New transaction from Wise to Groceries: an expense of 350,000 rupiahs, 19.55 US dollars at the day’s rate

  4. Transfer: from Balance to Balance

    Wise to Piggy bank is a transfer: the money is still yours, it only moves. A transfer counts as neither income nor an expense.

    Getting cash, paying off a card and saving up are transfers too. Your balance stays the same, unless one side is left out of it.

    New transaction from Wise to Piggy bank: a transfer of 100.00 US dollars

If something goes wrong

My balance didn’t change after a transfer
That’s right: a transfer only moves money from one of your places to another. When one side is left out of your balance, like the Piggy bank, it changes by that much.
I paid straight from my salary
Pick Salary as From, then open Expenses in the To list and choose the category. moni counts it as income and an expense at once, and your balance stays the same.
Which currency is the amount in?
Each category keeps its own currency. When From and To differ, moni shows two amounts: type the one you know and the other follows at the day’s exchange rate.
I picked the wrong category
Tap From or To again and choose another category: the amount you typed stays. Once it’s added, open that transaction in Flow, change the category and tap Save.