This menu includes the following options:

• Dashboard
  The main page of the application. It provides a high-level overview of your current financial situation at a glance, summarizing your goal status, asset balance, income and spending, investment performance, and key alerts.

• My Goals
  Goals are used to help you stay organized, track your progress, and adjust your plan as life changes. The My Goals page allows you to manage your goals and monitor how close you are to achieving them.

• My Budget
  On the My Budget page, you can set, track, and adjust your budget so you can stay in control of your finances.

• Regular Events
  Regular Events allow you to automate and track recurring financial activities.

• Update Data
  Click Update Data to update securities prices, dividends, and perform investment evaluations.

• Settings and Version
  Contains the settings to personalize your Vision Money experience, configure how financial data is calculated and displayed, and manage user information.

• Initial Wizard
  The Initial Wizard guides you through a series of settings for quick setup. Click Next Step to progress through the wizard. After completing the Initial Wizard, sample data will be added.If you want to delete the sample data, select Clear Sample Data. If the sample data has already been deleted, this option will not appear in the menu.

• Cloud Backup/Restore
• Feedback
  Click Feedback to report bugs, suggest improvements, or share any user experience concerns directly with the development team. This helps us improve the app based on your real-world use.

• Reset Tour
  When you are first getting started using Vision Money, you will see some pop-ups directing you to different areas of the application. You can click Cancel to stop them or select Reset Tour to restart them.

• Sign Out
  Log out of your Vision Money account.

• Delete User Account
  Deleting your user account will permanently remove all your data stored on the server, including your user profile and any cloud backups.This action is irreversible and cannot be undone.

  Selecting any option from this menu allows you to quickly jump to it without searching for it from other sections in the app.

Selecting any option from this menu allows you to quickly jump to it without searching for it from other sections in the app.

• Bell Icon : The bell icon located in the upper-right corner of the Dashboard will show  screen notifies you of software and server maintenance updates. A red dot will appear on the bell icon if there are any unread notifications.Tap the bell icon to view the messages. The red dot will dissappear once all notifications have been read. Notifications are updated only when you perform an Update Data.

• Bottom Navigation Bar: The Dashboard is one of five primary sections accessible through the bottom navigation bar:
  • Dashboard– Overview of your financial health
  • Account– Account management and balances
  • Transaction– View, add, and categorize transactions
  • Performance– Investment and return-tracking metrics
  • Report– In-depth financial reports

• Floating Action Buttons (+):These appear throughout the app and allow you to quickly add data such as transactions, goals, accounts, or events.

A Note for New Users

You don’t need to enter all your financial information at once. Start small—add one or two accounts, create your first budget, or set a simple financial goal. As your comfort with the app grows, you can build on that foundation. Vision Money is designed to scale with your needs, and this guide is here to support you at every step.

Quick Access Topics 

• Dashboard
• Account Management
• Transactions & Logging
• Budgeting
• Financial Goals
• Investment Tracking
• Reports & Charts
• Recurring Events
• Settings & Preferences
• Cloud Backup

Continue on to explore how Vision Money presents a real-time summary of your financial life—and how that foundation supports every other feature in the app.

The Dashboard is designed to give you fast, digestible insights without needing to dig deep into individual modules.

Each section of the Dashboard offers links or expandable areas for further details if you want to explore more. Tap the up/down arrow to the right of each section to expand or collapse it.

Here’s a breakdown of the main sections:

Goal Status

This section displays the progress of your financial goals and objectives. It includes:

• Asset Achievement %: Measures how much of your total asset target you’ve reached.
• Goal Income %: Indicates how much income you’ve earned compared to your planned goal.
• Goal Spending %: Reflects your current spending against your set goal.
• Target Return Achievement %: Compares your actual investment return to your target return over time.

Tap Goal Status Detail to drill down into each metric and view detailed performance trends.

Historical Asset Balance

This section displays the Total Net Assets, combining the value of all your accounts minus liabilities. A visual line chart below shows how your assets have changed over a set period (e.g., from May 2024 to May 2025 in the screenshot).

• Total Assets: Current value of all your assets.
• Total Liability: Total of all debts or financial obligations.
• Graph: The historical trend helps you track asset growth or decline.

This graph is helpful for identifying spikes, drops, and patterns over time so you can adjust your strategy accordingly.

Monthly Income

This section shows your total income for the selected month in a pie chart depicting each category’s total income. Tap the left or right arrow to view income data for other months.

If your income sources are connected and categorized correctly in the system, this area will automatically reflect your totals based on transaction data.

Monthly Spending

Similar to the Monthly Income section, this shows your total spending for the selected month in a pie chart. The total spending amount for each category is displayed. You can tap the left or right arrow to view past or future months.

Tracking this monthly helps you stick to your budget and observe trends in your spending behavior.

Budget Notice 

This is a quick link to your budget performance summary. Tapping Budget Status Detail will take you to more in-depth budget metrics. This section helps you understand at a glance whether your current income and spending are within the targets you’ve set.

Investment Return Notice

This section gives a snapshot of how your investments are performing:

• Return: Your actual return percentage over the selected time frame.
• Target Return: The return percentage you aimed for.
• Difference: The gap between actual and target returns.

Bill/Income Notice

This section alerts you to any upcoming or missed bills and expected income if you have set up regular events. No bill notices available will be displayed if there are no regular events set or no notices to display.

Dividend Notice

This section notifies you of any dividends received from your investment accounts. If there are no dividends for the selected period, you’ll see a No dividend notices available message.

The dividend amount is multiplied by the number of shares held by the dividend per share and then by the withholding rate. You can tap on the dividend notification to modify the relevant details and include them in a transaction.

By monitoring the Dashboard regularly, you can stay aligned with your financial goals, investment performance, and budgeting progress all from one convenient screen.

You may consider creating accounts for your bank accounts, brokerage accounts, cash reserves, insurance policies, mortgages, real estate, vehicles, and loans.

Access your Accounts by tapping Account from the bottom navigation menu.

The Accounts page displays a chart depicting your Net Assets and lists all the accounts you have added, along with key details like the account name, type, and balance. This gives you an at-a-glance summary of your financial information.

From this page, you can:

• See a cumulative view of Total Assets and Liabilities
• View and manage existing accounts
• Add a new account

This view is designed to make it easy to keep your account information up to date as your financial situation changes.

Account Summary Chart

At the top of the Accounts page, you will see a summary of your overall financial position.

This section displays:

• Total Assets: The combined value of all asset accounts (such as checking, savings, and investment accounts).

Total Liabilities: The combined balance of all your liability accounts (such as credit cards, loans, or mortgages).

Example:

• If your Total Assets are $150,000
• And your Total Liabilities are $40,000
• Then your Net Worth is $110,000

The chart is displayed in the default currency and includes the past 30 days by default. To change the date range of the chart, select one of the predefined options (All, 12m, 30d, 7d) or select a different period by tapping .

Keeping your accounts accurate ensures that the total assets and liabilities reflect your current financial status.

Account Listing

Under the charts is a listing of active accounts. You can drag and drop accounts to adjust their position in the list.

Adding a New Account

To add a new account:

1. Tap the Addbutton (+) found on the upper-right corner of the Accounts page.
2. Complete the fields on the Add accountscreen:

• Account Name: Name the account for easy identification.
• Initial Balance Date: Select the starting date.
• Add initial balance: Select a currency and enter the current or starting balance for tracking. You can use current account balances, so you do not have to go back and enter all the transactions.
• Add initial positions: For investment accounts, tap Add initial positionsto add the investment details. This includes the Security Symbol, Number of Shares, and Total Cost.
  You can freely enter your total cost, and the system will use this cost to calculate gains and losses.

To select a security, you can enter the symbol of the asset. Note that different exchanges use different suffixes — for example, Tokyo Stock Exchange uses “.T”, Hong Kong uses “.HK”, and U.S. stocks do not require any suffix. You can tap “Exchange Region” to view the list of suffixes for each exchange.

You can also search by entering keywords. If you have multiple keywords, separate them with spaces. Tap Search to start the search.

3. Tap Saveto create the account.

The new account will immediately appear on the Accounts page.

✅ Tip: It’s helpful to add all major accounts you actively use — checking, savings, credit cards, and loans — when first setting up Vision Money. This provides a strong foundation for your financial tracking and planning, as described in the [Getting Started Guide].

Editing an Account

To edit an existing account:

1. From the Accounts page, select the account you want to update or tap …to the right of the account box.
2. Tap Edit Account.
3. Update any fields that need changes, such as the account name, type, balance, or notes.
4. Tap Saveto apply your changes.

Keeping your account information current ensures your financial reports and projections remain accurate.

Adjust Account Balance

If using Balance-based Tracking, adjusting account balances is very useful.

From the Accounts page, tap the currency of the account. The Account Details page will open with an Adjustment section.

1. Tap in the Adjust column.
2. In the Adjust Transaction page, add the Actual balance. Select any Category, Tags, or Note, if wanted.

1. Tap Save to apply your changes.

The system will update the account balance and automatically assign the difference to a category such as “Other spending” or “Food.”

Deleting an Account

To delete an account:

1. From the Accounts page, select the account you want to delete or tap …to the right of the account box.
2. Tap the Edit Account.
3. Tap Delete Account.

Archiving an Account

Archiving accounts makes them inactive. It will not show in reports or be considered in any calculations.

1. From the Accounts page, tap …to the right of the account box.
2. Tap Archived.

Unarchiving an Account

Archived accounts are shown at the bottom of the account list. Tap the up or down arrow to expand or collapse the Archived account list.

To Unarchive an account:

1. From the Accounts page, scroll down the Archived account section and tap …to the right of the account box.
2. Tap Unarchive.

Vision Money offers flexible ways to track your financial activity, allowing you to choose the approach that best fits your lifestyle, comfort level, and financial goals. You can opt for Balance-Based Tracking, where you focus on maintaining accurate account balances without logging every individual income or expense. Alternatively, Income-Spending Based Tracking gives you a more detailed view of your cash flow by recording and categorizing all income and spending transactions. For those who prioritize simplicity or privacy, Vision Money also supports a Privacy-First approach — you can use the app without linking any external accounts or providing personal identifiers like your Social Security Number. Whether you want a high-level overview or detailed financial insight, Vision Money gives you full control over how you track and manage your transactions.

Balance-based Tracking

Balance-based tracking is a smart and flexible way to manage your money. Instead of logging every income or spending transaction, you simply update your account balances whenever needed. The system calculates the difference and lets you assign it to a general category, saving you time while keeping your finances in sync.

This method is perfect if:

• You don’t want to spend time tracking every detail
• You care more about the big picture, like how your total assets grow or how close you are to reaching your goals
• You just want to stay in control of your account balances without the burden of daily bookkeeping

It’s especially useful for goal tracking—since your asset balances are always up to date, you can still monitor whether you’re on track to reach your financial goals. And if you ever notice a big mismatch—like overspending or lower-than-expected income—you can always dive deeper and switch to more detailed income-and-spending tracking for that period.

In short, it’s a sustainable way to manage money that works for both beginners and experienced users.

Income-Spending Based Tracking

Income-Spending based tracking means recording every income and spending transaction in detail. Each time you earn or spend money, you categorize it—for example, “Salary,” “Groceries,” or “Transport”—so you always know exactly where your money goes.

This method is perfect if:

• You want full visibility into your spending habits and income sources
• You’re trying to control overspendingor stick to a strict budget
• You want to analyze your finances by category, time period, or tagsin more detail

This approach gives you the most accurate insights into your day-to-day financial behavior. It’s especially useful when you need to understand specific spending patterns, compare monthly expenses, or review your budget by category.

You can also combine this with goal tracking and budgeting features to ensure your daily financial decisions align with your long-term plans.

Privacy-first. No account linking. No SSN.

Vision Money is designed to protect your financial privacy from day one.

We never ask for your bank logins, account passwords, or Social Security Number (SSN). All your data stays under your control — you decide what to enter and how to manage it. Whether you’re tracking your investment performance or planning long-term goals, you can do it all without giving up sensitive information.

Transaction List

You can manage all your transactions through the Transaction List, which can be accessed by tapping the Transaction icon at the bottom menu of the application.

All transactions occurring in the past 7 days will be displayed by default.

Filtering Transactions

Transactions can be filtered to display for the past day (1d), past 7 days (7d), past 30 days (30d), or past 12 months (12m). Select the time period for which you wish to see transactions.

 The transaction list can be further filtered by the type of transaction, account (income, expense, and transfer out accounts only), category (income or spending categories), or tag. Other filter criteria can be selected by tapping Filters  ().

Types of Transactions

To add a new transaction, tap the Add button (+) found on the upper-right corner of the Accounts page. Select the Transaction Type from the scrolling menu bar at the top of the page.

Spending Transactions

Spending transactions record money going out of your accounts, whether for bills, groceries, entertainment, or other expenses.

• Select accountcurrency – Select the account from which the money was spent.
• Spending Amount– Enter the amount spent.
• Date– Select the date of the expense.
• Select Category– Choose a category to categorize the transaction.

Example: Groceries, Rent, and Utilities.

• Select Tag– Optionally select a Tag.
• Payee– Enter the vendor or person you paid.
• Memo – Optionally, enter anynotes about the income.

Example:
Spending $150 at a grocery store from your Bank Account.

Income Transactions

Use an Income transaction to record any money coming into your accounts.
Examples include salary, bonus, freelance payments, interest income, or dividends.

• Select accountcurrency – Select an account to deposit the money into.
• Income Amount– Enter the amount received.
• Date– Select the date the income was received.
• Select Category– Choose a category to categorize the transaction. For example,  Salary, Bonus, and Dividend.
• Select Tag– Optionally select a Tag.
• Memo– Optionally, enter any notes about the income.

Example:
Receiving your monthly paycheck of $5,000 into your bank account.

Adjustment Transactions

Adjustments are used to manually correct account balances without treating the transaction as normal income or expenses. These are rare but useful for fixing discrepancies when syncing or reconciling accounts.

• Select accountcurrency – Select an account to deposit the money into.
• Date– Select the date the income was received.
• Actual Balance– Enter the actual bank account balance. The Adjustment Difference will be calculated based on the Account balance in Vision Money versus the Actual balance entered.
• Select Category– Choose a category to categorize the transaction.
• Select Tag– Optionally select a Tag.
• Payee– Enter the vendor or person you paid.
• Memo– Optionally, enter any notes about the income.

Typical uses:

Correcting a rounding difference

Adjusting for currency fluctuations

Correcting manual entry errors

Use Balance-based Tracking to adjust account balances.

Example:
Adjusting a $5 discrepancy after reconciling your bank statement.

Split Transactions

Split Transactions allow you to divide one single transaction into multiple categories or purposes. This is helpful when one payment covers different types of expenses.

Most transactions are actually splits. For example, when you receive a salary, part of it goes to insurance, and some is transferred to your IRA or Roth IRA. Even the simplest withdrawal could be a split—for instance, withdrawing $500 with a $1 transaction fee.

By grouping all related parts of a transaction together, it will be easier to review and understand your records in the future.

• Select accountcurrency – Select an account for the transaction.
• Date– Select the date of the transaction.
• Tap Addto enter multiple line items, each with:
• Select Category– Choose a category to categorize the transaction.
• Select Account– Select an account for the partial transaction.
• Amount– Enter the partial amount.

Example:
Paying $500 to a department store, where $300 is clothing, and $200 is home goods.

Trade Transactions

Use a Trade transaction to record investment activities inside an investment account.
Vision Money supports several trade types, including:

• Buy: Purchasing securities
• Sell: Selling securities
• Dividend: Receiving dividend income
• Split:For stocks that split
• Transfer: Transfer of stocks to a different trading account

Enter the following information:

• Select Account – Select the Trade Account for your investment
• Trade Date – Select the date of the transaction
• Select trade object – Select the security symbol (e.g., AAPL, MSFT).
• Trade Type – Select the Trade Type (Buy, Sell, Dividend, Split, Transfer)
  • Buy/Sell – Enter the Shares, Net Sales/Total Cost, and Deduction/Remittance Account
  • Dividend – Enter the Total Dividend and Remittance Account.
  • Split – Enter the Number of shares before and after the split.
  • Transfer – Enter the number of shares to be transferred and the account to transfer them to.

Example:
Buying 10 shares of AAPL (Apple) for $1,800 from your Investment Account.

Transfer Transactions

Transfers move money between your accounts without affecting income or spending totals.
Transfers are used for internal moves like shifting money from checking to savings or paying off a credit card from a bank account.

Currency exchange can also be handled using a Transfer — for example, converting one currency to another within the same account or across different accounts.

• Select accountcurrency – Select an account to deposit the money into.
• Transfer out Amount– Enter the amount being transferred out of the account.
• Transfer Date– Select the date the income was transferred.
• Transfer in Amount– Enter the amount being transferred into the account. If the currency of the transfer-out account is different from the currency of the transfer-in account, an input field for the transfer-in amount will appear, indicating a currency exchange.

Example: Transferring $1,000 USD to a EUR account might appear as €920 if the exchange rate is 0.92.

• Select Tag– Optionally select a Tag.
• Payee– Enter the vendor or person you paid.
• Memo– Optionally, enter any notes about the income.

Example:
Transferring $2,000 from your Checking Account to your Savings Account.

Adding a Transaction

1. Tap the Transactionicon on the bottom navigation bar.
2. Tap the +icon in the upper right corner.
3. Select the type of transaction (Spending, Income, Adjustment, Split, Trade, or Transfer).
4. Fill in the required fields based on the transaction type.
5. Tap Save(or Save & Add Next if you want to enter multiple transactions quickly).

Editing a Transaction

1. Tap the Transactionicon on the bottom navigation bar.
2. From the Transaction list, locate the transaction to edit
3. Tap on the transaction. It will open for Edits.
4. Update any fields that need changes.
5. Tap Saveto apply your changes.

Deleting a Transaction

1. Tap the Transactionicon on the bottom navigation bar.
2. From the Transaction list, locate the transaction to delete.
3. Tap on the transaction. It will open for Edits.
4. Tap Delete Transaction.

✅ Tip: Use categories and tags consistently — it makes reports and analysis much more powerful later!

Overview

Budgeting is one of the most powerful tools you can use to take control of your finances. In Vision Money, budgeting isn’t just about limiting your spending — it’s about creating a clear, personalized plan for how you want to manage your money today and in the future.

Setting a monthly budget helps you:

• Understandyour cash flow: Know exactly how much money is coming in and going out each month.
• Prevent overspending: Stay aware of your daily spending habits and catch potential problems early.
• Stay on track with financial goals: Align your spending and saving with long-term goals like buying a home, paying off debt, saving for retirement, or building an emergency fund.
• Make confident financial decisions: With a clear picture of your finances, you can make smarter choices about saving, investing, and spending.
• Reduce stress and uncertainty: Having a budget gives you peace of mind because you know where your money is going and how close you are to reaching your goals.

In Vision Money, your budget is dynamic — it updates automatically as you record income and expenses, and it shows real-time comparisons between your planned budget and actual results.
You’ll receive helpful notifications when you’re doing well or when you’re at risk of overspending, making it easy to adjust quickly if needed.

Think of your budget as your personal financial roadmap. It tells you where you are now, where you want to go, and how to get there safely.

By setting a thoughtful budget and using Vision Money’s tools to monitor and manage it, you’ll gain greater control over your financial future, one decision at a time.

Vision Money makes it simple to set, track, and adjust your budget so you can stay in control of your finances. Whether you’re working to curb overspending or plan smarter for the future, the budgeting tools in Vision Money help you manage daily, monthly, and annual spending with ease.

This chapter explains how to create, manage, and monitor your budget.

Starting a Budget 

To start managing your budget, tap the   icon in the upper-left corner of any page and select My Budget.

You will need to enable the budgeting feature for a new budget. Do this by setting the Budget start month toggle to On.

Choose the month you want your budgeting to start. For example, if you select October, your budget tracking will begin from October.

Next, select a budget calculation method: Reset every month or Prev. Month Left. Select the method that best matches your financial habits.

• Reset Every Month: Your budgeted amounts reset to the original value at the beginning of each month.

Example:

You set $1,000 for Food; it stays $1,000 each month regardless of past spending.

• Previous Month Leftover: Any unused budget amount from the previous month carries forward.

Example:

If you budgeted $1,000 for Food but spent only $800, the remaining $200 will roll over, giving you $1,200 for next month.

✅ Tip: Using the Previous Month Leftover option helps manage your annual finances more flexibly.

Adding Budget Items

There are two ways to create your budget:

• Manual – Manually add Categories, Frequency, and Amount.
• Automated – Let the system create your budget items based on past transactions.

Adding Items Manually

1. From the My Budgetpage, tap the + icon in the upper right corner.
2. Select the Budget Category.
3. Select the Budget Frequency. Available options are Monthly, Every few months, and Yearly. When selecting Every few months, you will specify every x months and what month it begins.

Examples:

• Salary, Monthly, $7000
• Auto Insurance, Every 6 months, $3000

4. Tap Save.

✅ Tip: Add both income and spending budgets to track surplus or shortfalls month-to-month.

As you add items into the budget, you will begin to see the items listed on the My Budgets page. You will also see your budgets summarized by month, showing:

• Actual BudgetedIncome and Spending
• Surplusor Deficit for each month

You can easily swipe through different months using the arrows next to the month displayed.

Using the Automatic Budget Setup (“Magic Pen” Feature)

The automated generation of your budget based on your past transactions.

1. Tap the Magic Pen () iconin the top right of the My Budget
2. The system will calculate averages from historical data, based on the time period selected (e.g., last month’s or last year’s data).

Select from All, 12m (past 12 months), Prev Yr (past calendar year), 30d (past 30 days). Tap the time period for which you wish to calculate transactions.

Other time periods can be selected by tapping the Dates () icon. Select from Last 30 days, Last 90 days, This year, Last Year, All.

3. Set a Minimum Budget Amount.This is used to tell the system to ignore relatively small expenses.
4. Tap Calculate Budget.
5. Once the data is analyzed, a budget is created. You will see each category that has an accumulated transaction amount and the calculated average amount spent or earned for each category.

1. Now you can adjust the amounts as needed.
2. When you are complete, tap Add to Budget. The selected categories will be added to your existing budget. If you have previously added categories to the budget, you will see a warning and can opt to overwrite the category. If you don’t want to overwrite it, tap Cancel,unselect the category from the list, and then tap Add to Budget Otherwise, tap Confirm and Overwrite.

Managing Budget Items

Edit budget item

From the My Budget page list, scroll down to the item you wish to edit and tap it. The Edit budget page will open.

Delete budget item

From the Edit budget item detail, tap Delete budget.

Delete all budget items

If you have previously started a budget and possibly added items to it, you can start over by deleting the previous budget. Tap Delete all budgets on the My Budgets page.

Changing the display order of budget categories

You can change the order of any budget item in the list. Press and hold the item, then drag it to the desired position in the list.

Monitoring Your Budget Progress

It is important to enter all your daily transactions as they are reflected in your budget tracking. The more accurate your transactions are, the better you can see where you stand with your budget.

On the My Budget page, you will see the actual financial transactions versus the budgeted amounts and the difference. Also displayed will be an indication of whether there was a surplus or deficit for the month.

Numbers displayed in green indicate you have spent less than budgeted; numbers displayed in red indicate you exceeded your spending limit. Orange indicates that spending has exceeded the daily budget up to the current date for the month, but is still within the total monthly budget for that category.

Tap the left and right arrows to view the budget overview for a different month.

Beneath the overview, each category is listed with the amounts spent or earned for the selected month, along with the budgeted amount for the month.

Budget Notifications

Vision Money notifies you when you’re at risk of overspending.

Budget Notifications are shown on the Dashboard when your actual spending significantly exceeds your planned budget.

Overview

Setting clear financial goals is key to building a strong financial future. Whether you’re saving for retirement, buying a home, planning for education costs, or simply creating an emergency fund, having well-defined goals gives you a roadmap to guide your financial decisions.

In Vision Money, goals are used to help you stay organized, track your progress, and adjust your plan as life changes. Each goal you create is personalized with a target amount, target date, and optional funding source. You can monitor how close you are to achieving each goal and easily make updates if your priorities or finances change over time.

By setting Financial Goals, you can:

• Prioritize what matters most to you.
• Set realistic timelines for achieving your objectives.
• See how your goals fit into your overall financial plan.
• Stay motivated by tracking your progress visually.

You can set a variety of goals depending on your needs — from short-term savings for a vacation to long-term investments like retirement planning.
No matter the size or scope, Vision Money gives you the tools to turn your financial dreams into achievable milestones.

✅ Tip: Start by identifying your most important goals first. Focus on what will give you the greatest peace of mind or fulfillment, then build from there.

Goal Settings

The Goal Settings allow you to configure essential baseline assumptions for your financial plan in Vision Money. These settings impact how your goals are projected, analyzed, and evaluated over time.

Access the settings by selecting My Goals, going to Main Settings, and reviewing the Basic Setting, Budget Goal, and My Goals areas.

Access the settings by tapping the   icon in the upper-left corner of any page and then selecting My Goals.

The Goal Settings are broken down into three sections:

• Basic Settings
• Budget Goal
• My Goals

Basic Settings

The Basic Setting section defines the key assumptions that shape your financial projections.

Tap Edit to adjust any of these values as your situation changes.

✅ Tip: Review your Basic Settings at least once a year or whenever you experience a major life change (like a new job, a big move, or an economic shift).

• Return% (Annual Return Percentage):
  This is the expected annual growth rate of your financial picture. It helps you project how your assets will grow over time and is used to calculate your goal progress.

Since Goals work on a monthly basis, the annual return is first converted into a monthly return.

 Each month’s ending balance is calculated using the following formula:

This return rate affects your monthly target balance and the actual expected balance.

Example: 2.00% expected annual return.

• Inflation %:
  This is the assumed annual inflation rate. Inflation reduces the future purchasing power of your savings, and this factor is used when estimating financial goals.

When creating goals, you will select a Value Type for each. Selecting Present Value means the goal amount is based on today’s value. It will be adjusted based on this inflation % a year from now. A Value Type of Future Value means the goal amount is based solely on the amount specified, regardless of inflation.

Spending and Income goals allow you to select Present or Future Value Types. Other goals like education, retirement, or a home purchase are always assumed Present value and will take this inflation % into account.

Example: 2.00% expected inflation.

• Mortgage %:
  This is the annual mortgage interest rate and is applied to Home Purchase Goals. The system will auto-fill this value into the goal, but you can change if needed.

Example: 4.23% mortgage interest rate.

• Initial Date:
  This is the start date of your financial plan. All calculations begin from this point. This includes the balance of all selected accounts on this date, which will be shown as your Beginning Assets in the Basic Settings.
  All target and actual balances are based on this starting date. Even if your goal starts earlier than this date, calculations will still begin from the Initial Date.

Example: February 2024

• Retire Date:
  This is your planned retirement date. When creating a retirement goal, the date will default to this date, however, it can be changed in the goal, if needed.

The end date of a Budget Goal should be set to your retirement date.

Example: February 2055

• Plan End Date:
  The end date for your long-term financial planning. This helps ensure your plan covers your expected lifetime and/or major milestones. All financial projections and calculations end at this date.

Example: February 2085

• Account for Goals:
  You can choose which accounts to include in your financial plan. Not all accounts need to be included. For example, if you own a house but don’t plan to sell it, you can exclude it from your plan. Or, if you’re working with a financial advisor and don’t want to share certain account balances, you can simply leave those accounts out of the plan.

Select the box next to each account to include in your financial plan. Tap Select all to select all accounts; tap Unselect all to deselect all accounts.

Budget Goals

This section ties your budget categories to the related goals.

• Budget Item Count:
  Number of income and spending budget items you’ve created.
• Income Budget Amount:
  The total monthly income target is based on your budget plans.
• Spending Budget Amount:
  The total monthly spending target you aim to stay within.
• Total Budget Amount:
  A calculated summary of income minus spending to show your monthly surplus or deficit.

Tap Edit to select the budget categories to include in goal achievement.

Select the box next to each budget item to include in your goals. Tap Select all to select all accounts; tap Unselect all to deselect all accounts.

My  Goals

To see your financial goals:

• From the Dashboard, tap the  icon on the upper-left corner of any page and select My Goals.
• Tap the gear icon () in the upper-right corner of the My Goals page. You will see all of the Goal settings. In the My Goalssection, tap Edit.

You will see a list of your goals, including:

• Goal Type
• Goal Interval
• Goal Name
• Start Date
• Target Date
• Frequency

Goal Amount

Goal Types

There are four fundamental types of financial goals: Initial Asset, Savings, Income, and Spending Goals.

• Initial Asset: When you first start using Vision Money and have not set up any accounts yet, but want to simulate the feasibility of your financial goals, you can enter your assets as a single Initial Asset

Set the start date and end date to today, and use a frequency of 0, which means it’s a one-time entry.

• Saving Goals – Saving Goals are goals that relate to money I want to save for the future. This includes things like a vacation, etc.
• Income Goal – Income goals are goals that relate to money coming in, including things like your salary, initial balances, bonuses, etc.
• Spending Goals – Spending Goals are for things you will pay for in the future. For example, retirement, college education, house purchase, monthly living expenses, etc.

Vision Money simplifies goal creation by offering several predefined goals while also giving you the flexibility to create any goal you may have.

The predefined goals include the following:

• College Education – Planning to save for college.
• Retirement – Planning to save money for retirement.
• Home Purchase – Planning to purchase a home in the future.

Use the Income and Spending goals for any other goals you want to create.

• Income – Planning to save a portion of income. This could be how much you want to save within a specific date range.
• Spending – Planning for a specified spend amount. This could be a future purchase, travel, etc.

Creating a New Goal

To add a new goal:

1. From the My Goals List, tap +
2. Choose a goal type (College Education Goal, Retirement Goal, Home Purchase Goal, Income Goal, Spending Goal).
3. Enter the required details:

• College Education Goal
• Goal Name: Recognizable Goal name.
• Attend Date: Start date of attendance.
• Number of years: Number of years to attend.
• Cost per semester: Approximate cost per semester.

• Retirement Goal
• Goal Name: Recognizable Goal name.
• Start/End Retirement Date: Date to retire. The End date should cover your approximate life span.

Monthly Retirement: The amount you will need to live on each month.

• • Home Purchase Goal
  • Goal Name: Recognizable Goal name.
  • Home Purchase Date: Date to buy home.
  • Home Purchase Price: Cost of house.
  • House Price Growth%:
  • Down Payment: Down payment amount.
  • Mortgage%: Mortgage Interest Rate
  • Loan Term: Loan number of years
  • Down payment due date: Date the down payment will be needed.

  Note: The monthly payment will be autmatically calculated based on equal principal and interest.

• Retirement Goal
• Goal Name: Recognizable Goal name.
• Start/End Retirement Date: Date to retire. The End date should cover your approximate life span.

Monthly Retirement: The amount you will need to live on each month.

• • Income/Spending Goal
    • Goal Name: A descriptive title for your goal.
    • Goal Amount: The total amount of the goal.
    • Annual Amount Growth %: Used when estimating financial goals.Defaults to the Inflation % set in the Basic Settings.
    • Value Type: Selecting Present Valuemeans the goal amount is based on today’s value. It will be adjusted based on this inflation % a year from now. A Value Type of Future Value means the goal amount is based solely on the amount specified, regardless of inflation.
    • Start Date: When the goal is started.
    • End Date: When you want to achieve the goal.
    • Till Expiry Date
    • Interval Month
  1. After entering the goal information, tap Save to create the goal

  Some Common Financial Goals

• 
  

  Editing or Deleting Goals

  You can edit a goal at any time:

  • From the My Goals Listing, select the goal.
  • Edit the goal information and tap Save.

  If you no longer wish to pursue a goal, you can delete it:

  • Tap the Delete Goal

  Note: Deleting a goal is permanent and cannot be undone.

  Prioritizing Goals

  Goals are listed in order of priority. The highest priority goal should be at the top of the list, and the lowest should be at the bottom. Vision Money forecasts your goals in this order. This means assets are needed to achieve spending goals. Based on the listed order of the goals, funds will be used sequentially. If there is a surplus of funds, it will it be allocated to the next goal.

  You can change the priority of any goal by dragging the goal to a new position in the list. To move it, press and hold the goal, then drag it to the desired position in the list.

  Tracking Goal Achievement

  Once you have entered your goals, you will see a summary of those goals on the My Goals page. From the Dashboard, tap the    icon on the upper-left corner of any page and select My Goals.

  Based on your current income and assets, you will see if your goals are achievable and how much can be allocated to achieve each goal. This forecast is based on the Target Annual Return %.

• 
  

  Target Annual Return %

  Goal Achievement is calculated based on the Target Return percentage. Enter a value based on the current Return % and tap Calculate. Based on this return value, the calculation considers the status of each goal’s achievement and future cash balances based on this return value. You can review the Goal Achievement % to see if your goals are achievable and the allocation of each.

  Minimal Required Return

  Tapping on Minimum Return will calculate the minimum annual return you need to achieve all of your goals. This automatically updates the Goal Achievement % based on the minimum calculated return.

  View Target Asset Chart

• Based on your starting balance, financial goals, and expected return rate, Vision Money shows your projected asset balance at the end of each month—giving you a clear picture of how your finances might evolve over time.

   

  But not all goals are always achievable. If your planned income and spending don’t align, you may face a cash shortfall during the plan.

  • First Cash Shortage: When you’ll first run out of money.
  • Shortage Months: How many months you’ll be short on cash during the plan.
  • Max Asset Amount: The highest your assets will reach during the plan.
  • Min Asset Amount: The lowest your assets will drop to.
  • Min Asset Date: The date on which the lowest asset balance occurs during the plan.
  • Target Ending Balance: How much money you’re expected to have by the end of the plan.
  • Present Value of Ending Asset: What that future amount is worth today.
  • Target Asset: How much you should have today to stay on track.
  • Actual Asset: What you actually have today.
  • Difference in Present Value of Ending Assets = Present Value of Ending Asset – Target Asset + Actual Asset: This shows how much more you need right now to fully reach your goals.

  Goal Achievement %

  The Goal Achievement percentage section breaks down your goals (based on their priority) and indicates the percentage of each goal that can be achieved based on the income, assets, and specified  Target Return.

  The Cost % column tells you how much of your income and assets it will take to fund each goal.

  Goal % is determined during planning and tells you how much of the goal is achievable at this rate of return. You can include all your desired goals, but you don’t have to achieve every one of them. For example, a $100,000 annual luxury trip or buying a Ferrari can be included, but placed at the end of the priority list. Goals set at 100% will appear at the top, and any goal below 100% must be followed by those with 0%.

  The Current % column tells you where you are currently on target to reach based on your current situation. It is calculated based on your actual total assets. This means any transactions you enter—whether income or spending—will affect your Current %, but it will not affect your Goal %.

  Asset Achievement Analysis

  The Asset Achievement Analysis section on the My Goals page helps you understand whether you are on track to reach your financial goals based on your real-world financial data, not just estimates. It compares your actual assets against your target assets and breaks down the key factors influencing your progress.

  This section provides the following information:

  • Asset Achievement %: A percentage showing how your actual assets compare to your target assets.
  • This percentage is calculated as follows:
  • Asset Achievement % = (Actual Assets ÷ Target Assets) × 100
  • If your Asset Achievement % is 100% or more, you are ahead of schedule.
  • Actual Assets: The real total of your accounts and investments as of today.
  • Target Assets: The amount of assets you shouldhave accumulated by today based on your financial plan and original goals.

  View Target Comparison Chart

• Compare the actual asset balance with the planned asset balance for each month from the plan start date to the calculation date to understand whether your financial goals have been consistently on track over time.

  Vision Money goes a step further by showing why you are ahead or behind your goals.

It analyzes these four key components:

Each area is color-coded or marked to easily show whether it contributed positively or negatively toward your overall achievement.

Monitoring this analysis is critical because it shows:

• If you’re meeting your goals early (over 100% achievement).
• If you’re falling behind and need to adjust your plan (under 100% achievement).
• What specific factors (income, spending, investing, or external funds) are helping or hurting your progress.

✅ Tip: If your Asset Achievement % is above 100%, you are in a strong position and may even be able to accelerate other goals.
If your Asset Achievement % is below 90%, it’s a good time to review your income, spending habits, or investment strategy.

Overview

Vision Money’s Investment Tracking features are designed to help you understand, manage, and optimize your financial investments without needing to be an expert in finance and investing. Whether you’re a casual investor with a few holdings or actively managing multiple accounts, Vision Money has a clear interface for tracking your investment performance over time.

In Vision Money you can:

• Set up initial investment positionseasily by inputting quantities and costs, avoiding the need to enter every past transaction manually.
• Automatically update market pricesso your portfolio always reflects real-time values without requiring external spreadsheets or manual calculations.
• Monitor daily and historical performancewith metrics like time-weighted return, unrealized and realized gains/losses, and dividend income.
• Compare performanceto personal targets or market benchmarks, such as a fixed annual return goal or major stock indices like global large caps.
• Track multiple account types, including cash, brokerage (trading), and retirement accounts—all in one place.

Whether you’re planning for retirement, experimenting with dividend investing, or simply keeping tabs on your portfolio, Vision Money makes it easy to stay informed. You can view investment performance across custom date ranges, drill into asset-level details, and explore visual charts showing your income streams and returns.

With its automatic calculations and powerful filtering tools, Vision Money takes the complexity out of investment analysis and gives you the clarity to make better financial decisions.

The Performance page is your central hub for tracking your investment’s growth, returns, and overall performance. This page provides the tools and visualizations to measure how well your investments perform over time and relative to your targets. Access the Performance page by tapping Performance from the bottom navigation menu.

Performance Analysis Period

At the top of the Performance page, choose the period you want to use for performance analysis. By default, it is set to 7 days. However, the period can be changed to All, past 12 months (12m), past 30 days (30d), or the past 7 days (7d) by selecting the period.

The period can be further customized by tapping the Dates () icon. Select from the predefined options or customize your own.

The earliest start date for Performance calculation is the earliest of the following: transaction date or holding date.

Accumulated Return (Acc. Return)

This is where users can view their investment account’s actual return percentage (Time-weighted rate of return)over the selected period, alongside a target return (entered by the user). A line chart compares the actual performance to the target.

Setting a target return helps you benchmark performance. Whether you aim for a conservative 2% return or a more aggressive goal, this chart immediately shows if you’re on track.
The accompanying table breaks it down further by displaying:

• Actual Investment Return
• Target Return
• Difference (positive or negative)

This allows quick interpretation of portfolio success or shortfalls.

The Acc. Return table not only displays your actual investment return and compares it to a target, but also allows you to explore “what-if” scenarios of individual securities or custom portfolios. This helps you benchmark performance, simulate historical returns, and assess potential strategies—all without affecting real account data.

Select Security

Tap Select Security to add an individual stock, ETF, or index to the table.

Enter a Security Symbol in the field provided. It will automatically be added to the table. If you are not sure of the symbol, you can use the Keyword Search to find it.

Build Portfolio

Use this feature to create a simulated portfolio using selected securities and custom allocation percentages. This is ideal for benchmarking or planning future strategies.

Tap Build Portfolio to begin creating it.

Once completed, the custom portfolio appears as a new row in the performance table and as a separate line on the chart.

Use Case Example:
Create a hypothetical “Tech Growth” portfolio and compare it to your actual portfolio to determine if reallocation could improve performance.

Gain/Loss Summary

This section provides a concise breakdown of your investment results:

• Realized Gains/Losses: Profits or losses from sold investments.
• Dividend Income: Earnings received from dividends during the period.
• Unrealized Gains: Increase in value for assets you still hold.
• Total: The sum of all gain/loss figures.

Understanding the source of your investment returns is essential. Even if the portfolio is growing, it’s important to know whether it’s due to market appreciation, dividend payouts, or profit from asset sales. This helps investors assess both growth and income strategies.

Holding Details

This section shows your current investment holdings, including:

• Security Name and Symbol
• Number of Shares
• Current Market Price
• Price Change and Daily Percentage Change
• Market Value
• Allocation % (Weight)

It provides a detailed inventory of your assets, helping you understand the makeup of your investments. Real-time price updates and share quantities allow you to see how much each holding contributes to the total value and how volatile or stable they are.

Below the table is a color-coded pie chart visually representing the distribution of your holdings by allocation.

Investment Account Summary

The next section is an Investment Account Listing. This area lists summary data by account (e.g., “Fidelity”), including:

• Total Value(current market value of assets in the account)
• Total Cost(amount originally paid for those assets)
• Total Return(performance percentage for the account)

If you use multiple brokerage accounts or investment platforms, this section allows you to evaluate each one individually. You can see which accounts perform best, which need attention, or how each contributes to your broader investment picture.

Creating Investment Accounts

To begin tracking investments, start by creating your Investment accounts. This is done on the Accounts page.

An example Investment Account might look as follows:

• Account Name: Fidelity Trading Account
• Initial Positions:
  • AAPL, 10 shares, $1800.00 cost
  • MSFT, 8 shares, $3200.00 cost
  • USD, 5000

Investment Transactions (Trades, Purchases, Sales)

To track new investment activity, tap the Transaction shortcut on the bottom menu and the + icon in the upper right corner.

Example:

• On June 6, 2023, buy 100 shares of IBM for $3,269 using your cash account.
• On July 7, sell 50 shares of SPY for $2,927.
• On June 16, 2023, receive a $327 dividend from SPY.

Each buy, trade, and dividend impacts your actual return calculation. Vision Money automatically adjusts performance metrics to include:

• Realized gains/losses from sales
• Dividend income
• Updated unrealized gains/losses

Overview

Vision Money offers a robust reporting system that turns your financial data into insightful, easy-to-read visuals and summaries. Whether you’re tracking how much you earn, where you spend, how your net worth evolves, or how your investments are performing, these reports allow you to view the big picture and the details at a glance.

With flexible filters, date ranges, and graphical displays, Vision Money’s reporting tools are designed to help you:

• Monitor financial health
• Compare trends over time
• Analyze returns and income sources
• Make informed, data-driven decisions

All reports are accessible via the Report shortcut at the bottom of the page.

✅ Tip: Reports are dynamic and update automatically as new data is entered or synced. Keep your data updated so your reports always show you the latest information.

Available Reports

1. Income Report

The Income Report summarizes all income transactions for a chosen period, categorized by source (e.g., salary, interest, dividend income).

Features:

• View total income Monthly, by Category % or by Tag %
• Select one or more accounts, categories, and tags
• Select the Date Period to include
• Graphs: bar, pie, or line

Use Cases:

• Identify your most consistent income sources
• Understand seasonal or freelance income fluctuations

2. Spending Report

The Spending Report breaks down your expenses by category, making it easy to spot where your money is going.

Features:

• View total expenses Monthly, by Category % or by Tag %
• Select one or more accounts, categories, and tags
• Select the Date Period to include
• Graphs: bar, pie, or line

Use Cases:

• Find overspending categories
• Align expenses with your budget goals

3. Net Income Report

The Net Income Report shows the difference between total income and total spending over time.

Features:

• Highlights surplus or deficit for each period
• Select the Date Period to include
• Displayed as a bar chart
• Optional breakdown by account or tag

Use Cases:

• Identify cash flow trends
• Monitor financial sustainability

4. Asset Report

Shows the current and historical value of all your assets, including cash, investments, and fixed assets.

Features:

• View asset distribution by Month-end Balance or Account %
• Select one or more accounts
• Select the Date Period to include
• Graphs: bar

Use Cases:

• Track portfolio growth
• Understand net worth evolution

5. Liability Report

Displays all liabilities (e.g., loans, credit card balances) and how they change over time.

Features:

• Breakdown by Month-end Balance or Account %
• Track principal reduction and interest costs
• Select one or more accounts
• Select the Date Period to include
• Graphs: bar, pie

Use Cases:

• Monitor debt repayment progress
• Plan for large liability reductions

6. Net Asset Report

This report combines the Asset and Liability Reports to calculate and display your net worth over time.

Formula:
Net Assets = Total Assets – Total Liabilities

Features:

• View net asset changes month-to-month
• Breakdown by Month-end Balance
• Select one or more accounts
• Select the Date Period to include
• Graphs: bar, pie

Use Cases:

• Assess financial health at a glance
• Prepare for long-term goals (e.g., retirement, home purchase)

7. Transfer Report

Summarizes internal transfers between your accounts (e.g., moving money from checking to savings or from cash to a brokerage account).

Features:

• Visualize the frequency and amount of internal transfers
• Filter by Transfer In or Transfer Out
• Helps clarify true income vs. movement of existing funds
• Select one or more accounts and tags
• Select the Date Period to include
• Graphs: pie

Use Cases:

• Track internal cash flow movement
• Separate investment contributions from general spending
• Track prepaid expenses and other assets, and calculate the amount to be reimbursed for each prepaid item. Prepaid expenses can be recorded using a Transfertransaction, using Tags to label each item. When requesting reimbursement, you can filter by Tag to list all related prepaid expenses.

8. Dividend Report

Provides details on all dividend income received from your investments.

Features:

• Group dividends by month or by stock
• Visualize total dividends over time
• Identify top dividend-paying assets
• Select one or more accounts
• Select the Date Period to include
• Graphs: bar

Use Cases:

• Analyze passive income performance
• Track yield efficiency for dividend investors

Customization Options

Each report has its own customization options, including Chart Type, Date Period, and Accounts, Categories, and Tags to include in the report.

Chart Type

Each report has its own customization options, including Chart Type, Date Period, and Accounts, Categories, and Tags to include in the report you are viewing.

Date Period

Each chart has a predefined date selection of All, 12m, or 30d. To select a different date period, tap Report Option and then tap .

Accounts, Categories, Tags

Each report has its own selections on what transactions to include. This can be one or more Accounts, Categories, or Tags, depending on the report.

Tap the checkbox for each to be included in the report. You can also tap Select All or Unselect All to make it easier and faster to select individual items to include.

You can export these reports as screenshots, making them useful for financial reviews, tax planning, or sharing with advisors.

Regular Events allow you to automate and track recurring financial activities. Setting up these events ensures your budget reflects predictable cash flow changes, like your salary, rent, subscriptions, or internal account transfers, without manually logging each occurrence.

Regular events are automatically added as a transaction at the specified timeframe.

Using Regular Events helps you:

• Keep recurring transactions consistent
• Accurately forecast future balances
• Stay on top of bill payments and income schedules
• Reduce manual entry

Examples:

• Income:Automatically record your weekly salary deposit.
• Spending:Set a monthly reminder for your rent or streaming service.
• Transfer:Schedule weekly transfers from checking to savings.

✅ Tips:

• Use notifications to stay ahead of upcoming bills or avoid overdraft risks.
• Review your event list monthly to ensure everything is still accurate.

Event Dashboard Notification

Vision Money displays a notification when a bill is due or when a regular event is upcoming. The notification is customizable when you set up a regular event.

Bill/Income Notifications are listed on the Dashboard. You can quickly select one, or more, or all of the notices to automatically create the transactions.

After selecting the notices, tap Add to Transaction.

Creating a Regular Event

Access the Regular Events page by tapping the ☰ icon in the upper-left corner of any page, and then select Regular Events.

1. Tap the +icon in the upper right corner.
2. Enter a Nameto identify the event. For example, a Netflix subscription or a Mortgage.
3. Select the type of transaction (Income/Spendingor Transfer). This affects what information is included for the event.
4. Enter the event information:

• Account Currency– Select the currency used for this event. This must match the account you’re associating it with.
• Add amount– Enter the transaction amount (e.g., 12.99 for a subscription or 2500.00 for salary).
• Category(for Income/Spending events only) – Tap to choose a category that best describes the transaction (e.g., “Groceries”, “Utilities”, “Salary”).
• To account(Transfer only) – Select the destination account for fund transfers.
• Frequency– Choose how often the event repeats. Options include Daily, Weekly, Monthly, or Yearly.
• Base on the latest– The amount you set may be adjusted when the actual transaction is added. Toggle this option to use the budget amount based on the most recently updated amount from the latest transaction added.
• Notification Days– Choose how many days in advance you want to be notified before the event occurs.

5. Tap Save.

Your budget projections will automatically include the event based on its frequency.

Editing a Regular Event

To edit an event:

1. Access the Regular Events page by tapping the ☰icon in the upper-left corner of any page, then select Regular Events.
2. Tap on an event in the Regular Events list.
3. Modify the event information.
4. Tap Save.

Deleting a Regular Event

To delete an event:

1. Access the Regular Events page by tapping the ☰icon in the upper-left corner of any page, then select Regular Events.
2. Tap on an event in the Regular Events list.
3. Tap Delete eventat the bottom of the page.

Access the settings by tapping the ☰ icon in the upper-left corner of any page, and then select Settings and Version.

Here’s a breakdown of each setting and what it controls:

Vision Money Version

Displays the current version of the app you are using. This is useful when contacting support or checking for updates.

User Plan / Due Date

Shows your current subscription level and its expiration date.

User Account

Tap Edit to update your account details, such as your email address or login credentials.

Category

Categories are the primary way to classify income and spending in Vision Money. Each transaction you enter should be assigned to a category. Categories help you track where your money is coming from and where it’s going.

Vision Money comes with several predefined categories. Customize these categories and add new ones that apply to your financial transactions. You can also create subcategories to make your categories provide more granular insights into your finances.

Example:
Under “Utilities,” you could create subcategories for “Electric,” “Water,” and “Garbage.”

To Add, Edit, or Delete categories, tap Edit. A list of all categories and subcategories is displayed.

✅ Tip: Think of categories as folders for your transactions. The more organized your folders, the more valuable your data will be.

Add Category/Subcategory

Tap Add Spending Category or Add Income Category to add a new category. Enter a Main Expense or Income Category at the top of the page, then tap Add.

To add a subcategory, select a main category first, then enter the subcategory at the bottom of the page. Tap Add.

Example Subcategories:

• For the main category Clothing, you could add:
  • Work Clothes
  • Leisure Wear
  • Shoes
• Under Transportation, you might add:
  • Fuel
  • Ride-sharing
  • Public Transit

Edit Category/Subcategory

From the Category list, tap a category to edit its name. To edit a subcategory, tap the arrow to the right of the main category to open the subcategory list, then select a subcategory.

Delete Category/Subcategory

From the category list, tap Delete Category. A trash can icon will now display next to each category. Tap the trash can to delete it.

Note: If the category is used in any transactions, budgeting, or other features of the system, the category cannot be deleted until it is replaced by another. You will be prompted to select a replacement category.

✅ Tip: If the replacement category does not exist, it must be added before deleting a category that is in use.

Tag

Tags allow you to label transactions with specific identifiers that go beyond categories. They’re great for grouping related transactions across different categories, projects, or timeframes.

• Useful for labeling special projects or events (e.g., “Trip to Japan”).
• Can be used in reports and charts to visualize grouped spending across multiple categories.

✅ Tip: Use tags for any spending or income that stretches across categories. Tags act like highlighters for your financial story.

Examples:

• Tag all expenses related to a Japan Trip, even if they fall under different categories like Food, Lodging, and Flights.
• Use a Home Renovationtag to group costs across Supplies, Contractor Fees, and Furniture.
• Tag recurring income from a Side Businessseparate from your salary.

To Add, Edaddit, or Delete tags, tap Edit on the Settings page. A list of all tags is displayed.

Add a tag

Tap Add a tag to create a new tag. After entering the tag, tap Add.

Examples:

• Japan Trip
• John’s 8^thBirthday Party
• Uber Driving Income

Edit tag

From the Tag list, tap a tag to edit its name.

Delete tag

From the tag list, tap Delete Tag. A trash can icon will now display next to each tag. Tap the trash can to delete it.

Note: If the tag is used in any transactions, budgeting, or other features of the system, it cannot be deleted until it is replaced by another. You will be prompted to select a replacement tag.

✅ Tip: If the replacement tag does not exist, it must be added before deleting a tag that is in use.

Categories vs Tags

Categories and Tags empower you to personalize Vision Money so it fits your life, not the other way around. By taking the time to set these up, you’ll unlock clearer insights and make your financial data easier to understand and act on.

Primary Currency

Tap Edit to set the currency that will be used for all calculations and reports.

Once selected, all data assets, spending, and income will be shown in this currency.

Primary Currency Decimals

Specifies how many decimal places to display for your currency.

Language

Choose your preferred language for the app interface. Tap Edit to select from available languages.

Return Calculation Start Date

Set the start date for calculating investment performance in return reports and dashboard notices.

Example:
Setting this to 2024-01-01 will measure your return performance from January 1, 2024, onward.

Dividend Withhold %

Sets the default tax withholding rate applied to dividend income when shown in investment return summaries and alerts.

Example:
A 15% rate will automatically deduct that amount when displaying projected or received dividends.

Number of Favourites

Controls how many frequently used categories or items appear as favorites at the top of the selection page and Securities in the Security selection dialog.

Example:
Setting this to 10 means the app will remember and display your 10 most commonly used categories when entering transactions.

✅ Tip: Review your settings periodically—especially if you move countries, change your financial focus, or need to update tax rates or plan end dates.

Why It Matters

Maintaining a secure copy of your data is essential to managing your financial health. Here’s what this feature enables you to do:

• ✅Ensure data safety in case of device loss, failure, or app uninstall.
• �Switch devices seamlessly without losing your transaction history or custom settings.

With just a few taps, you can securely upload your data to the cloud and restore it later to any device logged in with the same account.

While it’s not automatic, this manual approach gives you complete control over when and how your data is saved.

Cloud Backup

Back up your database to cloud storage. This includes all your transactions, categories, tags, and preferences.

How to Back Up:

1. Tap the ☰icon in the upper-left corner of any page, and then select Cloud Backup / Restore.
2. Tap Backupin the Cloud Backup section.
3. Your data will be compressed and saved to your cloud account.

You must be logged in with a valid account to use the backup feature.

Cloud Restore

Restore your backed-up data from cloud storage to your device.

How to Restore:

1. On your new or current device, log in to Vision Money with valid and current account information.
2. Tap the ☰icon in the upper-left corner of any page, and then select Cloud Backup / Restore.
3. You will be prompted to confirm the restoration of data by typing YES in the confirmation dialog.
4. Your data will be restored to your device from your cloud account.
5. Vision Money will automatically restart after the restore is complete.

⚠️ Important: Restoring will replace your existing records with the backed-up version. Make sure this is what you want before proceeding.

Best Practices

1. Back Up Monthly

Set a monthly reminder to manually back up your data. For example, you could back up after each monthly financial review.

2. Restore When Switching Devices

If you get a new phone or tablet, install Vision Money, log in with your account, and use Cloud Restore to carry over all your data instantly.

3. Update Data Before Backing Up

Make sure your data is up to date before performing a backup. This ensures the restored version, if needed, is current and complete.