{"id":4967,"date":"2025-06-18T04:50:34","date_gmt":"2025-06-17T20:50:34","guid":{"rendered":"https:\/\/www.vision.money\/newsite\/?page_id=4967"},"modified":"2025-09-30T15:14:18","modified_gmt":"2025-09-30T07:14:18","slug":"user-guide","status":"publish","type":"page","link":"https:\/\/www.vision.money\/newsite\/user-guide\/","title":{"rendered":"User Guide"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; module_class=&#8221;new-content&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|20px|0px|20px|true|true&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; 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_module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Vision Money User Guide&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; title_font_size=&#8221;42px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb title=&#8221;Welcome to Vision Money!&#8221; content_max_width=&#8221;100%&#8221; module_id=&#8221;introduction&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We are excited to have you on board! Vision Money&#8217;s primary purpose is to provide clarity and confidence in your financial planning by allowing you to see how your decisions impact your financial future.<\/p>\n<p>This User Guide is designed to help you get the most out of your experience by examining the features and functions of the application.<\/p>\n<p>Whether you&#8217;re just getting started or looking to deepen your understanding of the more advanced tools, this guide is your go-to resource. It provides clear, step-by-step instructions, helpful tips, and visual aids where needed, so you can confidently navigate and make full use of the software.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; custom_padding=&#8221;||0px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_blurb][et_pb_blurb title=&#8221;Recommended Reading Order&#8221; content_max_width=&#8221;100%&#8221; module_id=&#8221;introduction&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you are a beginner, we recommend you begin with the Getting Started Guide. It explains the Vision Money Concept in detail and walks through some real-life examples to help you understand your financial situation and help you reach your financial goals.<\/p>\n<p>This guide, the User Guide, contains full explanations and details of all the features in the application. It is organized by feature area, making it easy to find the information you need. You can read it from beginning to end for a full overview or simply jump to a relevant section.<\/p>\n<p>Each section includes a brief explanation of the feature, how to access it, and practical examples to show you how it works.<\/p>\n<p>We hope this guide empowers you to manage your financial activities efficiently. If you have any questions or need additional support, don&#8217;t hesitate to reach out to our help desk or explore the in-app support options.<\/p>\n<p>Let&#8217;s get started!<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Three Ways to Use Vision Money&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;main_use&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Everyone\u2019s financial needs are different.<br \/>Vision Money provides three main ways to use the app \u2014 whether you want to control spending, track overall wealth, or monitor investment performance.<\/p>\n<p>You can start with one method or combine all three.<br \/>Each method is integrated with the <strong>Goal Center<\/strong>, so your financial decisions always reflect on your long-term goals.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;free_budget_use&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; custom_padding=&#8221;1px|||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><b>Free Budget<\/b><\/strong><\/h3>\n<p><strong>For users who want clear control of cash flow (beginners or experienced).<\/strong><br \/>Track daily transactions and set budgets to manage spending and increase savings.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Main Functions:<\/strong><\/p>\n<ul>\n<li><a href=\"#we3\"><strong>Set income and expense categories<\/strong><\/a><\/li>\n<li><a href=\"#s6\"><strong>Enter transactions<\/strong><\/a><\/li>\n<li><a href=\"#zx8\"><strong>Set budgets<\/strong><\/a><\/li>\n<ul>\n<li>Start month<\/li>\n<li>Roll-over method<\/li>\n<li><a href=\"#q1\">Manual setup<\/a><\/li>\n<li><a href=\"#automatic_budget\">Automatic setup<\/a><\/li>\n<\/ul>\n<li><strong>Budget display<\/strong><\/li>\n<ul>\n<li><a href=\"#q3\">Graphical display<\/a><\/li>\n<li><a href=\"#o5\">Budget Notice<\/a><\/li>\n<\/ul>\n<li><a href=\"#income_report\"><strong>Income &amp; Spending Reports and Charts<\/strong><\/a><\/li>\n<ul>\n<li>Historical totals<\/li>\n<li>By category<\/li>\n<li>By tag<\/li>\n<\/ul>\n<\/ul>\n<p><strong>How it connects to the Goal Center:<\/strong><br \/>Budget results feed directly into your goals. Overspending triggers warnings, and savings progress shows how close you are to achieving long-term targets.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Net Worth Tracker&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;net_worth_tracker_use&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>For users with multiple assets and accounts in different currencies.<\/strong><br \/>Update balances periodically to track assets, liabilities, and overall net worth.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Main Functions<\/strong><\/p>\n<ul>\n<li><a href=\"#s3\"><strong>Set up accounts<\/strong><\/a><\/li>\n<li><a href=\"#s6\"><strong>Enter transactions<\/strong><\/a><\/li>\n<li><a href=\"#zx5\"><strong style=\"font-size: 20px;\">Balance-Based Tracking<\/strong><\/a><span style=\"font-size: 20px;\"> (simplified bookkeeping by adjusting balances)<\/span><\/li>\n<li><a href=\"#zx2\"><strong>Adjust Balance<\/strong><\/a><\/li>\n<li><strong>Net Worth display<\/strong><\/li>\n<ul>\n<li><a href=\"#zx1\">Account view<\/a><\/li>\n<li><a href=\"#o3\">Dashboard overview<\/a><\/li>\n<\/ul>\n<li><a href=\"#asset_report\"><strong>Asset reports &amp; charts<\/strong><\/a> (wealth growth trends)<\/li>\n<\/ul>\n<p><strong>How it connects to the Goal Center:<\/strong><br \/>Updated balances flow into your goals. The Goal Center compares your net worth against required levels for retirement, education, or freedom, showing instantly if you are on track.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Investment Tracking&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;investment_tracking_use&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>For users who want to monitor investment performance, market value, and gains\/losses.<\/strong><br \/>Supports multi-currency accounts and provides portfolio return and risk analysis.<\/p>\n<p><strong>Main Functions:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.vision.money\/newsite\/standard-professional\/#platinum\"><strong>Automatic price updates<\/strong><\/a> (subscription feature)<\/li>\n<li><strong><a href=\"#ds3\">Setup investment account<\/a><\/strong><\/li>\n<li><a href=\"#ds4\"><strong>Enter trades<\/strong><\/a>\u00a0(buy\/sell, dividends, transfers)<\/li>\n<li><a href=\"#z1\"><strong>Investment value and performance<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.vision.money\/newsite\/faces-on-investment-return\/\"><strong>Return calculation (Time-Weighted Return)<\/strong><\/a><\/li>\n<li><a href=\"#ds2\"><strong>Performance and risk comparison<\/strong><\/a><\/li>\n<ul>\n<li>Single security<\/li>\n<li>A portfolio<\/li>\n<\/ul>\n<\/ul>\n<p><strong>How it connects to the Goal Center:<\/strong><br \/>Investment returns are synchronized with your goals. The Goal Center shows how portfolio growth supports or delays your financial targets.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Goal Center Integration&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;goal_center_use&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>All three methods are connected through the <strong>Goal Center<\/strong>.<br \/>This is where your budgets, balances, and investments converge to show whether your goals are achievable.<\/p>\n<p><strong>Main Functions:<\/strong><\/p>\n<ul>\n<li><strong>Goal setup<\/strong><\/li>\n<ul>\n<li><a href=\"#_Basic_Settings\">Basic Setting<\/a><\/li>\n<li><a href=\"#goal_setting\">Define financial goals<\/a><\/li>\n<li><a href=\"#pritrity_goal\">Set priorities<\/a><\/li>\n<li><a href=\"#budget_goals\">Link to budget items<\/a><\/li>\n<li><a href=\"#minimum_return\">Set expected return and calculate minimum required return<\/a><\/li>\n<li><a href=\"#projected_goal_achievement\">Calculate projected goal achievement ratio<\/a><\/li>\n<\/ul>\n<li><strong>Goal tracking<\/strong><\/li>\n<ul>\n<li><a href=\"#asset_achievement\">Asset achievement rate<\/a><\/li>\n<li><a href=\"#goal_achievement\"><span>Actual goal achievement<\/span><\/a><\/li>\n<\/ul>\n<li><a href=\"#factor_analysis\"><strong>Goal diagnostics<\/strong><\/a><\/li>\n<ul>\n<li>Spending factors<\/li>\n<li>Asset transfers<\/li>\n<li>Investment returns<\/li>\n<\/ul>\n<\/ul>\n<p><strong>How it works:<\/strong><\/p>\n<ul>\n<li>Free Budget shows how spending choices affect your ability to save toward goals.<\/li>\n<li>Net Worth Tracker highlights whether your overall wealth is sufficient for long-term plans.<\/li>\n<li>Investment Tracking measures how portfolio performance impacts your targets.<\/li>\n<\/ul>\n<p>Together, the Goal Center provides a unified view \u2014 helping you understand not only where your money goes, but whether it is enough to reach the future you want.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Navigation Overview: How to Use This Guide&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;navigation&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This guide is written with flexibility and practicality in mind. Here&#8217;s how you can use it most effectively:<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Ideal for Daily Lookups and Task Assistance: <\/b><\/strong>Whether you&#8217;re logging a new transaction, building a budget, or checking your investment return, this guide offers practical instructions you can reference daily.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Linked Table of Contents for Fast Navigation: <\/b><\/strong>Use the interactive table of contents or bookmarks to jump instantly to the chapter or topic you need\u2014no scrolling required.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Step-by-Step Instructions for Common Tasks:<\/b><\/strong>\u00a0From setting up your first account to configuring recurring income, the guide includes clear, simple steps to follow.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Explore at Your Own Pace: <\/b><\/strong><span><\/span>You don&#8217;t need to read from beginning to end. Start with the topics most relevant to you, then return later as your financial tracking becomes more advanced.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Use Alongside the App: <\/b><\/strong>The instructions in this guide are designed to match the Vision Money app interface. Open the app and follow along to learn as you go.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Learn the &#8220;Why,&#8221; Not Just the &#8220;How&#8221;:<\/b><\/strong>\u00a0<span><\/span>In addition to technical steps, each section includes brief explanations of how the feature supports your financial goals and decision-making.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Here&#8217;s a quick overview of the core navigation tools within the app:<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb image=&#8221;https:\/\/visionmoney.saimii.com\/wp-content\/uploads\/2025\/05\/Group.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;17px&#8221; content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;18px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; custom_css_free_form=&#8221;selector .et_pb_image_wrap{||  margin-top: 3px;||}&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><b>Hamburger Menu (<\/b><\/strong><strong><b>\u2630<\/b><\/strong><strong><b>): <\/b><\/strong><span><\/span>Tap the icon at the top left to access additional settings, support, and system features that are not immediately visible on the Dashboard.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture1-1.png&#8221; title_text=&#8221;Picture1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This menu includes the following options:<\/p>\n<ul>\n<li><span><\/span><span><strong><a href=\"#DashboardOverview\"><u>Dashboard<\/u><\/a><\/strong><br \/><\/span>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.<\/li>\n<\/ul>\n<ul>\n<li><span><\/span><span><strong><a href=\"#Goals\"><u>My Goals<\/u><\/a><\/strong><br \/><\/span>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.<\/li>\n<\/ul>\n<ul>\n<li><span><\/span><span><strong><a href=\"#Budget\"><u>My Budget<\/u><\/a><\/strong><br \/><\/span>On the My Budget page, you can set, track, and adjust your budget so you can stay in control of your finances.<\/li>\n<\/ul>\n<ul>\n<li><span><\/span><span><strong><a href=\"#RegularEvents\"><u>Regular Events<\/u><\/a><\/strong><br \/><\/span>Regular Events\u00a0allow you to automate and track recurring financial activities.<\/li>\n<\/ul>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Update Data<br \/><\/b><\/strong>Click <strong><b>Update Data<\/b><\/strong>\u00a0to update securities prices, dividends, and perform investment evaluations.<\/li>\n<\/ul>\n<ul>\n<li><span><\/span><strong><a href=\"#Settings\"><u>Settings and Version<\/u><\/a><\/strong><br \/>Contains the settings to personalize your Vision Money experience, configure how financial data is calculated and displayed, and manage user information.<\/li>\n<\/ul>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Initial Wizard<br \/><\/b><\/strong>The Initial Wizard guides you through a series of settings for quick setup. Click <strong><b>Next Step<\/b><\/strong> to progress through the wizard. After completing the Initial Wizard, sample data will be added.If you want to delete the sample data, select <strong><b>Clear Sample Data<\/b><\/strong>. If the sample data has already been deleted, this option will not appear in the menu.<\/li>\n<\/ul>\n<ul>\n<li><span><\/span><strong><a href=\"#CloudBackup\"><u>Cloud Backup\/Restore<\/u><\/a><\/strong><\/li>\n<li><b><span><\/span><\/b><strong>Feedback<b><br \/><\/b><\/strong>Click <strong><b>Feedback<\/b><\/strong>\u00a0to 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.<\/li>\n<\/ul>\n<ul>\n<li><b><span><\/span><\/b><strong>Reset Tour<b><br \/><\/b><\/strong>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.<\/li>\n<\/ul>\n<ul>\n<li><b><span><\/span><\/b><strong>Sign Out<b><br \/><\/b><\/strong>Log out of your Vision Money account.<\/li>\n<\/ul>\n<ul>\n<li><b><span><\/span><\/b><strong>Delete User Account<b><br \/><\/b><\/strong>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.\n<p>Selecting any option from this menu allows you to quickly jump to it without searching for it from other sections in the app.<\/p>\n<\/li>\n<\/ul>\n<p>Selecting any option from this menu allows you to quickly jump to it without searching for it from other sections in the app.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Bell Icon <\/b><\/strong><strong><b>: <\/b><\/strong>The bell icon located in the upper-right corner of the Dashboard will show \u00a0screen 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.<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture2-1.png&#8221; title_text=&#8221;Picture2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Bottom Navigation Bar: The Dashboard is one of five primary sections accessible through the bottom navigation bar:<\/b><\/strong>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Dashboard<\/span><\/b><\/strong>\u2013 Overview of your financial health<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Account<\/span><\/b><\/strong>\u2013 Account management and balances<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Transaction<\/span><\/b><\/strong>\u2013 View, add, and categorize transactions<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Performance<\/span><\/b><\/strong>\u2013 Investment and return-tracking metrics<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Report<\/span><\/b><\/strong>\u2013 In-depth financial reports<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture3-1.png&#8221; title_text=&#8221;Picture3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Floating Action Buttons (+):<\/b><\/strong>These appear throughout the app and allow you to quickly add data such as transactions, goals, accounts, or events.<\/li>\n<\/ul>\n<p><strong><b><span>A Note for New Users<\/span><\/b><\/strong><\/p>\n<p>You don&#8217;t need to enter all your financial information at once. Start small\u2014add 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.<\/p>\n<h2 id=\"o1\"><a name=\"_Toc198556146\"><\/a><strong><b>Quick Access Topics\u00a0<\/b><\/strong><\/h2>\n<ul>\n<li><span><\/span><span><a href=\"#DashboardOverview\"><u>Dashboard<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#AccountManagement\"><u>Account Management<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#Transaction\"><u>Transactions &amp; Logging<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#Budget\"><u>Budgeting<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#Goals\"><u>Financial Goals<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#linking-goals\"><u>Investment Tracking<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#Reports\"><u>Reports &amp; Charts<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#RegularEvents\"><u>Recurring Events<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#Settings\"><u>Settings &amp; Preferences<\/u><\/a><\/span><\/li>\n<li><span><\/span><span><a href=\"#CloudBackup\"><u>Cloud Backup<\/u><\/a><\/span><\/li>\n<\/ul>\n<p>Continue on to explore how Vision Money presents a real-time summary of your financial life\u2014and how that foundation supports every other feature in the app.[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Dashboard Overview&#8221; module_id=&#8221;DashboardOverview&#8221; module_class=&#8221;show-btn&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The <span>Dashboard<\/span>\u00a0is the central hub of the Vision Money application. It is the first thing you will see when you log in. 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. The information here is refreshed based on the latest data from your accounts and transactions, helping you stay informed and make timely financial decisions.<\/p>\n<p>The Dashboard is designed to give you fast, digestible insights without needing to dig deep into individual modules.<\/p>\n<p>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.<\/p>\n<p>Here&#8217;s a breakdown of the main sections:<\/p>\n<h2 id=\"o2\"><a name=\"_Toc198556148\"><\/a><strong><b>Goal Status<\/b><\/strong><\/h2>\n<p>This section displays the progress of your financial goals and objectives. It includes:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Asset Achievement %<\/span><\/b><\/strong>: Measures how much of your total asset target you&#8217;ve reached.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Goal Income %<\/span><\/b><\/strong>: Indicates how much income you&#8217;ve earned compared to your planned goal.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Goal Spending %<\/span><\/b><\/strong>: Reflects your current spending against your set goal.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Target Return Achievement %<\/span><\/b><\/strong>: Compares your actual investment return to your target return over time.<\/li>\n<\/ul>\n<p>Tap <span><a href=\"#Goals\"><u>Goal Status Detail<\/u><\/a><\/span>\u00a0to drill down into each metric and view detailed performance trends.<\/p>\n<h2 id=\"o3\"><a name=\"_Toc198556149\"><\/a><strong><b>Historical Asset Balance<\/b><\/strong><\/h2>\n<p>This section displays the <strong><b><span>Total Net Assets<\/span><\/b><\/strong>, 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\u00a0to May\u00a02025 in the screenshot).<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Total Assets<\/span><\/b><\/strong>: Current value of all your assets.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Total Liability<\/span><\/b><\/strong>: Total of all debts or financial obligations.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Graph<\/span><\/b><\/strong>: The historical trend helps you track asset growth or decline.<\/li>\n<\/ul>\n<p>This graph is helpful for identifying spikes, drops, and patterns over time so you can adjust your strategy accordingly.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture4-1.png&#8221; title_text=&#8221;Picture4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_button button_url=&#8221;#&#8221; button_text=&#8221;Back to Link&#8221; button_alignment=&#8221;left&#8221; admin_label=&#8221;Button&#8221; module_class=&#8221;quick-btn&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;18px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_use_color_gradient=&#8221;on&#8221; button_bg_color_gradient_direction=&#8221;90deg&#8221; button_bg_color_gradient_stops=&#8221;#e60312 0%|#d5742b 100%&#8221; button_border_width=&#8221;0px&#8221; button_border_radius=&#8221;30px&#8221; button_font=&#8221;Inter|700||on|||||&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;10px||40px||false|false&#8221; custom_padding=&#8221;5px|26px|5px|26px|true|true&#8221; custom_css_free_form=&#8221;selector{||  \twidth: 100%;||    text-align: center;||}&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_vertical=&#8221;0px&#8221; box_shadow_blur=&#8221;4px&#8221; box_shadow_color=&#8221;rgba(255,255,255,0.41)&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_heading title=&#8221;Adjusting Target Returns&#8221; module_id=&#8221;targets&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]Using the goals stated above, the system tells us that our goals are not entirely achievable based on the current rate of return and will have an asset shortage.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/05\/Frame-1321314902-2-1.png&#8221; title_text=&#8221;Frame 1321314902 (2)&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>You can adjust the rate of return to see how it will impact progress towards your goals. So, let\u2019s say you increase the rate of return to 10% (from 2%). After recalculating, the system says your goals are now achievable. However, this higher return comes with more risk.<\/p>\n<p>This exercise highlights an essential financial planning principle: balancing risk and reward. Vision Money helps you understand the trade-offs involved in investment decisions. The system can suggest adjusting other factors for users who prefer lower-risk investments, like reducing spending or extending timelines. This empowers users to create a balanced financial plan that suits their risk tolerance.<\/p>\n<p>Note that there is also a <strong>Minimum Return<\/strong> option. This lets you see the minimum return amount you need to achieve your goals entirely.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture4.png&#8221; title_text=&#8221;Picture4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;s1&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<h2><a name=\"_Toc198556150\"><\/a><strong><b>Monthly Income<\/b><\/strong><\/h2>\n<p>This section shows your <strong><b><span>total income<\/span><\/b><\/strong>\u00a0for the selected month in a pie chart depicting each category&#8217;s total income. Tap the left or right arrow to view income data for other months.<\/p>\n<p>If your income sources are connected and categorized correctly in the system, this area will automatically reflect your totals based on transaction data.<\/p>\n<h2 id=o4><a name=\"_Toc198556151\"><\/a><strong><b>Monthly Spending<\/b><\/strong><\/h2>\n<p>Similar to the Monthly Income section, this shows your <strong><b><span>total spending<\/span><\/b><\/strong>\u00a0for 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.<\/p>\n<p>Tracking this monthly helps you stick to your budget and observe trends in your spending behavior.<\/p>\n<h2 id=o5><strong><b><a name=\"_Toc198556152\"><\/a>Budget Notice\u00a0<\/b><\/strong><\/h2>\n<p>This is a quick link to your budget performance summary. Tapping <span><a href=\"#Budget\"><u>Budget Status Detail<\/u><\/a><\/span>\u00a0will 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&#8217;ve set.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture5-1.png&#8221; title_text=&#8221;Picture5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;s2&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<h2><a name=\"_Toc198556150\"><\/a><\/h2>\n<h2><a name=\"_Toc198556153\"><\/a><strong><b>Investment Return Notice<\/b><\/strong><\/h2>\n<p>This section gives a snapshot of how your investments are performing:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span> Return<\/span><\/b><\/strong>: Your actual return percentage over the selected time frame.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Target Return<\/span><\/b><\/strong>: The return percentage you aimed for.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Difference<\/span><\/b><\/strong>: The gap between actual and target returns.<\/li>\n<\/ul>\n<h2 id=o6><strong><b><a name=\"_Toc198556154\"><\/a>Bill\/Income Notice<\/b><\/strong><\/h2>\n<p>This section alerts you to any <span>upcoming or missed bills<\/span>\u00a0and expected <span>income if you have set up <\/span><span><a href=\"#RegularEvents\"><u>regular events<\/u><\/a><\/span>. <strong><b>No bill notices available<\/b><\/strong>\u00a0will be displayed if there are no regular events set or no notices to display.<\/p>\n<h2 id=o7><a name=\"_Toc198556155\"><\/a><strong><b>Dividend Notice<\/b><\/strong><\/h2>\n<p>This section notifies you of any <span>dividends<\/span>\u00a0received from your investment accounts. If there are no dividends for the selected period, you&#8217;ll see a <strong><b>No dividend notices available<\/b><\/strong>\u00a0message.<\/p>\n<p>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.<\/p>\n<p>By monitoring the Dashboard regularly, you can stay aligned with your financial goals, investment performance, and budgeting progress all from one convenient screen.[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Account Management Overview&#8221; module_id=&#8221;AccountManagement&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]The <strong><b><span>Accounts<\/span><\/b><\/strong>\u00a0feature allows you to organize and track your financial accounts in one place, \u00a0giving you a complete view of your financial picture. Any tangible or intangible assets or liabilities should be considered an account.<\/p>\n<p>You may consider creating accounts for your bank accounts, brokerage accounts, cash reserves, insurance policies, mortgages, real estate, vehicles, and loans.<\/p>\n<p>Access your <strong><b><span>Accounts<\/span><\/b><\/strong>\u00a0by tapping <strong><b><span>Account<\/span><\/b><\/strong>\u00a0from the bottom navigation menu.<\/p>\n<p>The <strong><b><span>Accounts<\/span><\/b><\/strong>\u00a0page 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.<\/p>\n<p>From this page, you can:<\/p>\n<ul>\n<li><span><\/span>See a cumulative view of Total Assets and Liabilities<\/li>\n<li><span><\/span>View and manage existing accounts<\/li>\n<li><span><\/span>Add a new account<\/li>\n<\/ul>\n<p>This view is designed to make it easy to keep your account information up to date as your financial situation changes.<\/p>\n<h2 id=zx1><strong><b>Account Summary Chart<\/b><\/strong><\/h2>\n<p>At the top of the <strong><b><span>Accounts<\/span><\/b><\/strong>\u00a0page, you will see a <span>summary<\/span><strong><b><span>\u00a0<\/span><\/b><\/strong>of your overall financial position.<\/p>\n<p>This section displays:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Total Assets<\/span><\/b><\/strong>: The combined value of all asset accounts (such as checking, savings, and investment accounts).<\/li>\n<\/ul>\n<p><strong><b><span>Total Liabilities<\/span><\/b><\/strong>: The combined balance of all your liability accounts (such as credit cards, loans, or mortgages).[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture6-1.png&#8221; title_text=&#8221;Picture6&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<p>The summary gives you a quick snapshot of your net worth (net asset balance) by showing how much you own versus how much you owe. It updates automatically whenever you add, edit, or update your accounts. Net worth is calculated by subtracting Total Liabilities from Total Assets.<\/p>\n<p><strong><b>Example:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>If your Total Assets are $150,000<\/li>\n<li><span><\/span>And your Total Liabilities are $40,000<\/li>\n<li><span><\/span>Then your Net Worth is $110,000<\/li>\n<\/ul>\n<p>The chart is displayed in the <span><a href=\"#we5\"><strong><u><b>default currency<\/b><\/u><\/strong><\/a><\/span>\u00a0and 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 .<\/p>\n<p>Keeping your accounts accurate ensures that the total assets and liabilities reflect your current financial status.<\/p>\n<h2 id=\"ad2\"><a name=\"_Toc198556158\"><\/a><strong><b>Account Listing<\/b><\/strong><\/h2>\n<p>Under the charts is a listing of active accounts. <span>You can drag and drop accounts to adjust their position in the list.<\/span><\/p>\n<h2 id=\"s3\"><a name=\"_Toc198556159\"><\/a><strong><b><\/b><\/strong><\/h2>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221; module_id=&#8221;add_new_account&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2 id=\"ad2\"><a name=\"_Toc198556158\"><\/a><strong><b><\/b><\/strong><a name=\"_Toc198556159\"><\/a><strong><b>Adding a New Account<\/b><\/strong><\/h2>\n<p>To add a new account:<\/p>\n<ol>\n<li><span><\/span>Tap the <strong><b><span>Add<\/span><\/b><\/strong>button (+) found on the upper-right corner of the Accounts page.<\/li>\n<li><span><\/span>Complete the fields on the <strong><b><span>Add account<\/span><\/b><\/strong>screen:<\/li>\n<\/ol>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Account Name<\/span><\/b><\/strong>: Name the account for easy identification.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Initial Balance Date<\/span><\/b><\/strong>: Select the starting date.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Add initial balance<\/span><\/b><\/strong><span>: <\/span>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.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Add initial positions: <\/span><\/b><\/strong><span>For investment accounts, tap <\/span><strong><b><span>Add initial positions<\/span><\/b><\/strong><span>to add the investment details. This includes the Security Symbol, Number of Shares, and Total Cost.<\/span><span><br \/><\/span>You can freely enter your total cost, and the system will use this cost to calculate gains and losses.<\/li>\n<\/ul>\n<p><span>To select a security, you can enter the symbol of the asset. Note that different exchanges use different suffixes \u2014 for example, Tokyo Stock Exchange uses &#8220;.T&#8221;, Hong Kong uses &#8220;.HK&#8221;, and U.S. stocks do not require any suffix. You can tap &#8220;Exchange Region&#8221; to view the list of suffixes for each exchange.<\/span><\/p>\n<p><span>You can also search by entering keywords. If you have multiple keywords, separate them with spaces. Tap <\/span><strong><b><span>Search<\/span><\/b><\/strong><span>\u00a0to start the search.<\/span><\/p>\n<ol start=\"3\">\n<li><span><\/span>Tap <strong><b><span>Save<\/span><\/b><\/strong>to create the account.<\/li>\n<\/ol>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture7-1.png&#8221; title_text=&#8221;Picture7&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;ad1&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The new account will immediately appear on the <strong><b><span>Accounts<\/span><\/b><\/strong>\u00a0page.<\/p>\n<p>\u2705\u00a0<strong><b><span>Tip<\/span><\/b><\/strong>: It&#8217;s helpful to add all major accounts you actively use \u2014 checking, savings, credit cards, and loans \u2014 when first setting up Vision Money. This provides a strong foundation for your financial tracking and planning, as described in the [Getting Started Guide].<\/p>\n<h2><strong><b>Editing an Account<\/b><\/strong><\/h2>\n<p>To edit an existing account:<\/p>\n<ol>\n<li><span><\/span>From the Accounts page, select the account you want to update or tap <strong><b>\u2026<\/b><\/strong>to the right of the account box.<\/li>\n<li><span><\/span>Tap <strong><b><span>Edit Account<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>Update any fields that need changes, such as the account name, type, balance, or notes.<\/li>\n<li><span><\/span>Tap <strong><b><span>Save<\/span><\/b><\/strong>to apply your changes.<\/li>\n<\/ol>\n<p>Keeping your account information current ensures your financial reports and projections remain accurate.<\/p>\n<ol start=\"3\"><\/ol>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture8-1.png&#8221; title_text=&#8221;Picture8&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;zx2&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<h2><a name=\"_Toc198556161\"><\/a><strong><b>Adjust Account Balance<\/b><\/strong><\/h2>\n<p>If using <span><a href=\"#Transaction\"><strong><u><b>Balance-based Tracking<\/b><\/u><\/strong><\/a><\/span>, adjusting account balances is very useful.<\/p>\n<p>From the Accounts page, tap the currency of the account. The Account Details page will open with an Adjustment section.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture9-1.png&#8221; title_text=&#8221;Picture9&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><a name=\"_Toc198556161\"><\/a><\/h2>\n<ol>\n<li><span><\/span>Tap <span>in the Adjust column.<\/span><\/li>\n<li><span><\/span>In the Adjust Transaction page, add the Actual balance. Select any Category, Tags, or Note, if wanted.<\/li>\n<\/ol>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture10-1-scaled.png&#8221; title_text=&#8221;Picture10&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;s5&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<ol>\n<li><span><\/span>Tap <strong><b><span>Save <\/span><\/b><\/strong>to apply your changes.<\/li>\n<\/ol>\n<p>The system will update the account balance and automatically assign the difference to a category such as \u201cOther spending\u201d or \u201cFood.\u201d<\/p>\n<h2><strong><b>Deleting an Account<\/b><\/strong><\/h2>\n<p>To delete an account:<\/p>\n<ol>\n<li><span><\/span>From the Accounts page, select the account you want to delete or tap <strong><b>\u2026<\/b><\/strong>to the right of the account box.<\/li>\n<li><span><\/span>Tap the <strong><b><span>Edit Account<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>Tap <strong><b>Delete Account<\/b><\/strong>.<\/li>\n<\/ol>\n<h2 id=zx3><strong><b>Archiving an Account<\/b><\/strong><\/h2>\n<p>Archiving accounts makes them inactive. It will not show in reports or be considered in any calculations.<\/p>\n<ol>\n<li><span><\/span>From the Accounts page, tap <strong><b>\u2026<\/b><\/strong>to the right of the account box.<\/li>\n<li><span><\/span>Tap <strong><b>Archived<\/b><\/strong>.<\/li>\n<\/ol>\n<h2 id=zx4><strong><b>Unarchiving an Account<\/b><\/strong><\/h2>\n<p>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.<\/p>\n<p>To Unarchive an account:<\/p>\n<ol>\n<li><span><\/span>From the Accounts page, scroll down the Archived account section and tap <strong><b>\u2026<\/b><\/strong>to the right of the account box.<\/li>\n<li><span><\/span>Tap <strong><b>Unarchive<\/b><\/strong>.<\/li>\n<\/ol>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Transactions &#038; Logging Overview&#8221; module_id=&#8221;transaction_overview&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; hover_enabled=&#8221;0&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]Recording your transactions accurately is essential for maintaining a clear, up-to-date financial picture in Vision Money. Every financial activity \u2014 from your salary deposit to daily spending to investment trades \u2014 is captured as a <span>transaction<\/span>.<\/p>\n<p>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 <strong><b>Balance-Based Tracking<\/b><\/strong>, where you focus on maintaining accurate account balances without logging every individual income or expense. Alternatively, <strong><b>Income-Spending Based Tracking<\/b><\/strong>\u00a0gives 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 <strong><b>Privacy-First approach<\/b><\/strong>\u00a0\u2014 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.<\/p>\n<h2 id=zx5><strong><b>Balance-based Tracking<\/b><\/strong><\/h2>\n<p><span>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.<\/span><\/p>\n<p><span>This method is perfect if:<\/span><\/p>\n<ul>\n<li><span><\/span><span>You don\u2019t want to spend time tracking every detail<\/span><\/li>\n<li><span><\/span><span>You care more about the big picture, like how your total assets grow or how close you are to reaching your goals<\/span><\/li>\n<li><span><\/span><span>You just want to stay in control of your account balances without the burden of daily bookkeeping<\/span><\/li>\n<\/ul>\n<p><span>It\u2019s especially useful for goal tracking\u2014since your asset balances are always up to date, you can still monitor whether you\u2019re on track to reach your financial goals. And if you ever notice a big mismatch\u2014like overspending or lower-than-expected income\u2014you can always dive deeper and switch to more detailed income-and-spending tracking for that period.<\/span><\/p>\n<p><span>In short, it\u2019s a sustainable way to manage money that works for both beginners and experienced users.<\/span><\/p>\n<h2 id=zx6><strong><b>Income-Spending Based Tracking<\/b><\/strong><\/h2>\n<p><span>Income-Spending based tracking<\/span>\u00a0means recording every income and spending transaction in detail. Each time you earn or spend money, you categorize it\u2014for example, \u201cSalary,\u201d \u201cGroceries,\u201d or \u201cTransport\u201d\u2014so you always know exactly where your money goes.<\/p>\n<p>This method is perfect if:<\/p>\n<ul>\n<li><span><\/span>You want full visibility into your <span>spending habits and income sources<\/span><\/li>\n<li><span><\/span>You\u2019re trying to <span>control overspending<\/span>or stick to a strict budget<\/li>\n<li><span><\/span>You want to analyze your finances by <span>category, time period, or tags<\/span>in more detail<\/li>\n<\/ul>\n<p>This approach gives you the most accurate insights into your day-to-day financial behavior. It\u2019s especially useful when you need to understand specific spending patterns, compare monthly expenses, or review your budget by category.<\/p>\n<p>You can also combine this with <span>goal tracking<\/span>\u00a0and budgeting features to ensure your daily financial decisions align with your long-term plans.<\/p>\n<h2 id=zx7><strong><b><span>Privacy-first. No account linking. No SSN.<\/span><\/b><\/strong><\/h2>\n<p>Vision Money is designed to protect your financial privacy from day one.<\/p>\n<p>We never ask for your bank logins, account passwords, or Social Security Number (SSN). All your data stays under your control \u2014 you decide what to enter and how to manage it. Whether you&#8217;re tracking your investment performance or planning long-term goals, you can do it all without giving up sensitive information.<\/p>\n<h2 id=\"ad3\"><strong><b>Transaction List<\/b><\/strong><\/h2>\n<p>You can manage all your transactions through the <strong><b><span>Transaction<\/span><\/b><\/strong>\u00a0<strong><b>List<\/b><\/strong>, which can be accessed by tapping the <strong><b><span>Transaction<\/span><\/b><\/strong>\u00a0icon at the bottom menu of the application.<\/p>\n<p>All transactions occurring in the past 7 days will be displayed by default.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture11-1.png&#8221; title_text=&#8221;Picture11&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Image&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;s4&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<h3><strong><b>Filtering Transactions<\/b><\/strong><\/h3>\n<p>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.<\/p>\n<p><strong><b>\u00a0<\/b><\/strong>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 <strong><b>\u00a0<\/b><\/strong>().<\/p>\n<h2><strong><b>Types of Transactions<\/b><\/strong><\/h2>\n<p>To add a new transaction, tap the <strong><b><span>Add<\/span><\/b><\/strong>\u00a0button (+) 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.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture12-1.png&#8221; title_text=&#8221;Picture12&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><b>Spending Transactions<\/b><\/strong><\/h3>\n<p><span>Spending<\/span>\u00a0transactions record money going out of your accounts, whether for bills, groceries, entertainment, or other expenses.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture13-1-scaled.png&#8221; title_text=&#8221;Picture13&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221; custom_padding=&#8221;||0px|||&#8221;]<\/p>\n<p><span>Enter the following information:<\/span><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Select account<\/span><\/b><\/strong><strong><b>currency<\/b><\/strong>\u00a0\u2013 Select the account from which the money was spent.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Spending Amount<\/span><\/b><\/strong>\u2013 Enter the amount spent.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Date<\/span><\/b><\/strong>\u2013 Select the date of the expense.<\/li>\n<li><span><\/span><span><a href=\"#we3\"><u>Select Category<\/u><\/a><\/span>\u2013 Choose a category to categorize the transaction.<\/li>\n<\/ul>\n<p><strong><b>Example:<\/b><\/strong>\u00a0Groceries, Rent, and Utilities.<\/p>\n<ul>\n<li><span><\/span><span><a href=\"#we4\"><u>Select Tag<\/u><\/a><\/span>\u2013 Optionally select a Tag.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Payee<\/span><\/b><\/strong>\u2013 Enter the vendor or person you paid.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Memo \u2013 <\/span><\/b><\/strong><span>Optionally, enter any<\/span>notes about the income.<\/li>\n<\/ul>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>Spending $150 at a grocery store from your Bank Account.<\/p>\n<h3><a name=\"_Toc198556173\"><\/a><strong><b><\/b><\/strong><\/h3>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221; module_id=&#8221;income_transaction&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>&nbsp;<\/p>\n<h3><a name=\"_Toc198556173\"><\/a><strong><b>Income Transactions<\/b><\/strong><\/h3>\n<p>Use an <strong><b><span>Income<\/span><\/b><\/strong>\u00a0transaction to record any money coming into your accounts.<br \/>Examples include salary, bonus, freelance payments, interest income, or dividends.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture14-1-scaled.png&#8221; title_text=&#8221;Picture14&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<span>Enter the following information:<\/span><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Select account<\/span><\/b><\/strong>currency \u2013 Select an account to deposit the money into.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Income Amount<\/span><\/b><\/strong>\u2013 Enter the amount received.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Date<\/span><\/b><\/strong>\u2013 Select the date the income was received.<\/li>\n<li><span><\/span><span><a href=\"#we3\"><u>Select Category<\/u><\/a><\/span>\u2013 Choose a category to categorize the transaction. For example, \u00a0Salary, Bonus, and Dividend.<\/li>\n<li><span><\/span><span><a href=\"#we4\"><u>Select Tag<\/u><\/a><\/span>\u2013 Optionally select a Tag.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Memo<\/span><\/b><\/strong><span>\u2013<\/span><strong><b><span>\u00a0<\/span><\/b><\/strong><span>Optionally, enter any<\/span>\u00a0notes about the income.<\/li>\n<\/ul>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nReceiving your monthly paycheck of $5,000 into your bank account.<\/p>\n<h3><a name=\"_Toc198556174\"><\/a><strong><b>Adjustment Transactions<\/b><\/strong><\/h3>\n<p><span>Adjustments<\/span>\u00a0are 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.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture15-1-scaled.png&#8221; title_text=&#8221;Picture15&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<span>Enter the following information:<\/span><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Select account<\/span><\/b><\/strong>currency \u2013 Select an account to deposit the money into.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Date<\/span><\/b><\/strong>\u2013 Select the date the income was received.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Actual Balance<\/span><\/b><\/strong><span><\/span>\u2013 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.<\/li>\n<li><span><\/span><span><a href=\"#we3\"><u>Select Category<\/u><\/a><\/span>\u2013 Choose a category to categorize the transaction.<\/li>\n<li><span><\/span><span><a href=\"#we4\"><u>Select Tag<\/u><\/a><\/span>\u2013 Optionally select a Tag.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Payee<\/span><\/b><\/strong>\u2013 Enter the vendor or person you paid.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Memo<\/span><\/b><\/strong><span>\u2013 Optionally, enter any<\/span>\u00a0notes about the income.<\/li>\n<\/ul>\n<p><strong><b><span>Typical uses:<\/span><\/b><\/strong><\/p>\n<p>Correcting a rounding difference<\/p>\n<p>Adjusting for currency fluctuations<\/p>\n<p>Correcting manual entry errors<\/p>\n<p>Use <span><a href=\"#Transaction\"><strong><u><b>Balance-based Tracking<\/b><\/u><\/strong><\/a><\/span>\u00a0to adjust account balances.<\/p>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nAdjusting a $5 discrepancy after reconciling your bank statement.<\/p>\n<h3><a name=\"_Toc198556175\"><\/a><strong><b>Split Transactions<\/b><\/strong><\/h3>\n<p><span>Split Transactions<\/span>\u00a0allow you to divide one single transaction into multiple categories or purposes. This is helpful when one payment covers different types of expenses.<\/p>\n<p><span>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\u2014for instance, withdrawing $500 with a $1 transaction fee.<\/span><\/p>\n<p><span>By grouping all related parts of a transaction together, it will be easier to review and understand your records in the future.<\/span>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture16-1-scaled.png&#8221; title_text=&#8221;Picture16&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<span>Enter the following information:<\/span><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Select account<\/span><\/b><\/strong><strong><b>currency<\/b><\/strong>\u00a0\u2013 Select an account for the transaction.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Date<\/span><\/b><\/strong>\u2013 Select the date of the transaction.<\/li>\n<li><span><\/span>Tap <strong><b>Add<\/b><\/strong>to enter multiple line items, each with:<\/li>\n<li><span><\/span><span><a href=\"#we3\"><u>Select Category<\/u><\/a><\/span>\u2013 Choose a category to categorize the transaction.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Select Account<\/span><\/b><\/strong><span>\u2013 <\/span>Select an account for the partial transaction.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Amount<\/span><\/b><\/strong><span>\u2013 Enter the partial amount.<\/span><\/li>\n<\/ul>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nPaying $500 to a department store, where $300 is clothing, and $200 is home goods.<\/p>\n<h3><a name=\"_Toc198556176\"><\/a><strong><b>Trade Transactions<\/b><\/strong><\/h3>\n<p>Use a <span>Trade<\/span>\u00a0transaction to record investment activities inside an investment account.<br \/>\nVision Money supports several trade types, including:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Buy<\/span><\/b><\/strong>: Purchasing securities<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Sell<\/span><\/b><\/strong>: Selling securities<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Dividend<\/span><\/b><\/strong>: Receiving dividend income<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Split<\/span><\/b><\/strong><span>:<\/span>For stocks that split<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Transfer<\/span><\/b><\/strong><span>: Transfer of stocks to a different trading account<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture17-1-scaled.png&#8221; title_text=&#8221;Picture17&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<p><span>Enter the following information:<\/span><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Select Account <\/span><\/b><\/strong><span>\u2013 Select the Trade Account for your investment<\/span><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Trade Date <\/span><\/b><\/strong><span>\u2013 Select the date of the transaction<\/span><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Select trade object <\/span><\/b><\/strong><span>\u2013 <\/span>Select the security symbol (e.g., AAPL, MSFT).<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Trade Type <\/span><\/b><\/strong><span>\u2013 <\/span>Select the Trade Type (Buy, Sell, Dividend, Split, Transfer)\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Buy\/Sell <\/span><\/b><\/strong><span>\u2013 Enter the Shares, Net Sales\/Total Cost, and Deduction\/Remittance Account<\/span><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Dividend <\/span><\/b><\/strong><span>\u2013 Enter the Total Dividend and Remittance Account.<\/span><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Split <\/span><\/b><\/strong>\u2013 Enter the Number of shares before and after the split.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Transfer <\/span><\/b><\/strong>\u2013 Enter the number of shares to be transferred and the account to transfer them to.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>Buying 10 shares of AAPL (Apple) for $1,800 from your Investment Account.<\/p>\n<h3><strong><b>Transfer Transactions<\/b><\/strong><\/h3>\n<p><span>Transfers<\/span>\u00a0move money between your accounts without affecting income or spending totals.<br \/>Transfers are used for internal moves like shifting money from checking to savings or paying off a credit card from a bank account.<\/p>\n<p>Currency exchange can also be handled using a Transfer \u2014 for example, converting one currency to another within the same account or across different accounts.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture18-1-scaled.png&#8221; title_text=&#8221;Picture18&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<span>Enter the following information:<\/span><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Select account<\/span><\/b><\/strong><strong><b>currency<\/b><\/strong>\u00a0\u2013 Select an account to deposit the money into.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Transfer out Amount<\/span><\/b><\/strong><span><\/span>\u2013 Enter the amount being transferred out of the account.<\/li>\n<li><b><span><\/span><\/b><strong><b>T<\/b><\/strong><strong><b><span>ransfer Date<\/span><\/b><\/strong>\u2013 Select the date the income was transferred.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Transfer in Amount<\/span><\/b><\/strong><span><\/span>\u2013 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.<\/li>\n<\/ul>\n<p><strong><b>Example<\/b><\/strong>: Transferring $1,000 USD to a EUR account might appear as \u20ac920 if the exchange rate is 0.92.<\/p>\n<ul>\n<li><span><\/span><span><a href=\"#we4\"><u>Select Tag<\/u><\/a><\/span>\u2013 Optionally select a Tag.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Payee<\/span><\/b><\/strong>\u2013 Enter the vendor or person you paid.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Memo<\/span><\/b><\/strong><span>\u2013 Optionally, enter any<\/span>\u00a0notes about the income.<\/li>\n<\/ul>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nTransferring $2,000 from your Checking Account to your Savings Account.<\/p>\n<h2 id=\"s6\"><a name=\"_Toc198556178\"><\/a><a href=\"#s6\"><strong><b>Adding a Transaction<\/b><\/strong><\/a><\/h2>\n<ol>\n<li><span><\/span>Tap the <strong><b><span>Transaction<\/span><\/b><\/strong>icon on the bottom navigation bar.<\/li>\n<li><span><\/span>Tap the <strong><b><span>+<\/span><\/b><\/strong>icon in the upper right corner.<\/li>\n<li><span><\/span>Select the type of transaction (Spending, Income, Adjustment, Split, Trade, or Transfer).<\/li>\n<li><span><\/span>Fill in the required fields based on the transaction type.<\/li>\n<li><span><\/span>Tap <strong><b><span>Save<\/span><\/b><\/strong>(or <strong><b><span>Save &amp; Add Next<\/span><\/b><\/strong>\u00a0if you want to enter multiple transactions quickly).<\/li>\n<\/ol>\n<h2 id=\"ad4\"><a name=\"_Toc198556179\"><\/a><strong><b>Editing a Transaction<\/b><\/strong><\/h2>\n<ol>\n<li><span><\/span>Tap the <strong><b><span>Transaction<\/span><\/b><\/strong>icon on the bottom navigation bar.<\/li>\n<li><span><\/span>From the Transaction list, locate the transaction to edit<\/li>\n<li><span><\/span>Tap on the transaction. It will open for Edits.<\/li>\n<li><span><\/span>Update any fields that need changes.<\/li>\n<li><span><\/span>Tap <strong><b>Save<\/b><\/strong>to apply your changes.<\/li>\n<\/ol>\n<h2 id=\"ad5\"><a name=\"_Toc198556180\"><\/a><strong><b><span>Deleting a Transaction<\/span><\/b><\/strong><\/h2>\n<ol>\n<li><span><\/span>Tap the <strong><b><span>Transaction<\/span><\/b><\/strong>icon on the bottom navigation bar.<\/li>\n<li><span><\/span>From the Transaction list, locate the transaction to delete.<\/li>\n<li><span><\/span>Tap on the transaction. It will open for Edits.<\/li>\n<li><span><\/span>Tap <strong><b>Delete Transaction<\/b><\/strong>.<\/li>\n<\/ol>\n<p>\u2705\u00a0<strong><b><span>Tip: <\/span><\/b><\/strong>Use categories and tags consistently \u2014 it makes reports and analysis much more powerful later![\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Budget Management&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;Budget&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><strong><b>Overview<\/b><\/strong><\/h2>\n<p>Budgeting is one of the most powerful tools you can use to take control of your finances. In Vision Money, budgeting isn&#8217;t just about limiting your spending \u2014 it&#8217;s about creating a clear, personalized plan for how you want to manage your money today and in the future.<\/p>\n<p>Setting a monthly budget helps you:<\/p>\n<ul>\n<li><span><\/span>Understand<strong><b><\/b><\/strong>your cash flow: Know exactly how much money is coming in and going out each month.<\/li>\n<li><span><\/span>Prevent overspending: Stay aware of your daily spending habits and catch potential problems early.<\/li>\n<li><span><\/span>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.<\/li>\n<li><span><\/span>Make confident financial decisions: With a clear picture of your finances, you can make smarter choices about saving, investing, and spending.<\/li>\n<li><span><\/span>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.<\/li>\n<\/ul>\n<p>In Vision Money, your budget is dynamic \u2014 it updates automatically as you record income and expenses, and it shows real-time comparisons between your planned budget and actual results.<br \/>\nYou&#8217;ll receive helpful notifications when you&#8217;re doing well or when you&#8217;re at risk of overspending, making it easy to adjust quickly if needed.<\/p>\n<p>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.<\/p>\n<p>By setting a thoughtful budget and using Vision Money&#8217;s tools to monitor and manage it, you&#8217;ll gain greater control over your financial future, one decision at a time.<\/p>\n<p>Vision Money makes it simple to set, track, and adjust your budget so you can stay in control of your finances. Whether you&#8217;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.<\/p>\n<p>This chapter explains how to create, manage, and monitor your budget.<\/p>\n<h2 id=zx8><strong><b>Starting a Budget\u00a0<\/b><\/strong><\/h2>\n<p>To start managing your budget, tap the \u00a0\u00a0icon in the upper-left corner of any page and select <strong><b>My<\/b><\/strong>\u00a0<strong><b><span>Budget<\/span><\/b><\/strong><span>.<\/span><\/p>\n<p>You will need to enable the budgeting feature for a new budget. Do this by setting the <strong><b>Budget start month<\/b><\/strong>\u00a0toggle to On.<\/p>\n<p>Choose the month you want your budgeting to start. For example, if you select October, your budget tracking will begin from October.<\/p>\n<p>Next, select a budget calculation method: <strong><b>Reset every month<\/b><\/strong>\u00a0or <strong><b>Prev. Month Left<\/b><\/strong>. Select the method that best matches your financial habits.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Reset Every Month<\/b><\/strong>: Your budgeted amounts reset to the original value at the beginning of each month.<\/li>\n<\/ul>\n<p><strong><b>Example: <\/b><\/strong><\/p>\n<p><em><i>You set $1,000 for Food; it stays $1,000 each month regardless of past spending.<\/i><\/em><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Previous Month Leftover<\/b><\/strong>: Any unused budget amount from the previous month carries forward.<\/li>\n<\/ul>\n<p><strong><b>Example:<\/b><\/strong><\/p>\n<p><em><i>If you budgeted $1,000 for Food but spent only $800, the remaining $200 will roll over, giving you $1,200 for next month.<\/i><\/em><\/p>\n<p>\u2705\u00a0<strong><b><span>Tip<\/span><\/b><\/strong>: Using the <strong><b>Previous Month Leftover<\/b><\/strong>\u00a0option helps manage your annual finances more flexibly.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture19-1.png&#8221; title_text=&#8221;Picture19&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;q1&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<h2><strong><b><span>Adding Budget Items<\/span><\/b><\/strong><\/h2>\n<p><span>There are two ways to create your budget:<\/span><\/p>\n<ul>\n<li><span><\/span><span>Manual \u2013 Manually add Categories, Frequency, and Amount.<\/span><\/li>\n<li><span><\/span>Automated \u2013 Let the system create your budget items based on past transactions.<\/li>\n<\/ul>\n<h3><strong><b><span>Adding Items Manually<\/span><\/b><\/strong><\/h3>\n<ol>\n<li><span><\/span>From the <strong><b>My Budget<\/b><\/strong>page, tap the <strong><b><span>+<\/span><\/b><\/strong>\u00a0icon in the upper right corner.<\/li>\n<li><span><\/span>Select the <strong><b>Budget Category<\/b><\/strong>.<\/li>\n<li><span><\/span>Select the <strong><b>Budget Frequency<\/b><\/strong>. Available options are Monthly, Every few months, and Yearly. When selecting <strong><b>Every few months<\/b><\/strong>, you will specify every x months and what month it begins.<\/li>\n<\/ol>\n<p><strong><b>Examples:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Salary, Monthly, $7000<\/li>\n<li><span><\/span>Auto Insurance, Every 6 months, $3000<\/li>\n<\/ul>\n<ol start=\"4\">\n<li><span><\/span>Tap <strong><b><span>Save<\/span><\/b><\/strong>.<\/li>\n<\/ol>\n<p>\u2705\u00a0<strong><b><span>Tip:<\/span><\/b><\/strong>\u00a0Add both income and spending budgets to track surplus or shortfalls month-to-month.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture20-1.png&#8221; title_text=&#8221;Picture20&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Actual<\/b><\/strong> <strong><b>Budgeted<\/b><\/strong>Income and Spending<\/li>\n<li><b><span><\/span><\/b><strong><b>Surplus<\/b><\/strong>or <strong><b>Deficit<\/b><\/strong>\u00a0for each month<\/li>\n<\/ul>\n<p>You can easily swipe through different months using the arrows next to the month displayed.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture21-1-scaled.png&#8221; title_text=&#8221;Picture21&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;automatic_budget&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><b>Using the Automatic Budget Setup (&#8220;Magic Pen&#8221; Feature)<\/b><\/strong><\/h3>\n<p>The automated generation of your budget based on your past transactions.<\/p>\n<ol>\n<li><span><\/span><span>Tap the Magic Pen (<\/span><span>) icon<\/span>in the top right of the <strong><b>My Budget<\/b><\/strong><\/li>\n<li><span><\/span>The system will calculate averages from historical data, based on the time period selected (e.g., last month&#8217;s or last year&#8217;s data).<\/li>\n<\/ol>\n<p>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.<\/p>\n<p>Other time periods can be selected by tapping the <strong><b>Dates<\/b><\/strong>\u00a0() icon. Select from Last 30 days, Last 90 days, This year, Last Year, All.<\/p>\n<ol start=\"3\">\n<li><span><\/span>Set a <strong><b><span>Minimum Budget Amount<\/span><\/b><\/strong><span>.<\/span>This is used to tell the system to ignore relatively small expenses.<\/li>\n<li><span><\/span><span>Tap <\/span><strong><b><span>Calculate Budget<\/span><\/b><\/strong><span>.<\/span><\/li>\n<li><span><\/span><span>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.<\/span><\/li>\n<\/ol>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture22-1.png&#8221; title_text=&#8221;Picture22&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;q2&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ol>\n<li><span><\/span>Now you can adjust the amounts as needed.<\/li>\n<li><span><\/span><span>When you are complete, tap <\/span><strong><b><span>Add to Budget<\/span><\/b><\/strong><span>. 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&#8217;t want to overwrite it, tap <\/span><strong><b><span>Cancel,<\/span><\/b><\/strong><span>unselect the category from the list, and then tap <\/span><strong><b><span>Add to Budget<\/span><\/b><\/strong><span> Otherwise, tap <\/span><strong><b><span>Confirm and Overwrite<\/span><\/b><\/strong><span>.<\/span><\/li>\n<\/ol>\n<h2><strong><b>Managing Budget Items<\/b><\/strong><\/h2>\n<h3><strong><b><span>Edit budget item<\/span><\/b><\/strong><\/h3>\n<p>From the My Budget page list, scroll down to the item you wish to edit and tap it. The Edit budget page will open.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture23-1.png&#8221; title_text=&#8221;Picture23&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]Make any necessary changes, then tap <strong><b>Save<\/b><\/strong>.<\/p>\n<h3><strong><b>Delete budget item<\/b><\/strong><\/h3>\n<p>From the Edit budget item detail, tap <strong><b>Delete budget<\/b><\/strong>.<\/p>\n<h3><strong><b>Delete all budget items<\/b><\/strong><\/h3>\n<p>If you have previously started a budget and possibly added items to it, you can start over by deleting the previous budget. Tap <strong><b>Delete all budgets <\/b><\/strong>on the <strong><b>My Budgets <\/b><\/strong>page.<\/p>\n<h3><strong><b>Changing the display order of budget categories<\/b><\/strong><\/h3>\n<p>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.<\/p>\n<h2 id=q3><strong><b>Monitoring Your Budget Progress<\/b><\/strong><\/h2>\n<p><span>It is important to<\/span>\u00a0enter 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.<\/p>\n<p>On the <strong><b><span>My Budget <\/span><\/b><\/strong><span>page<\/span>, 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.<\/p>\n<p><span>Numbers displayed in green<\/span>\u00a0indicate you have spent less than budgeted; numbers displayed in red indicate you exceeded your spending limit. Orange indicates that spending has exceeded the<strong><b>\u00a0<\/b><\/strong><span>daily budget up to the current date<\/span>\u00a0for the month, but is still <span>within the total monthly budget<\/span>\u00a0for that category.<\/p>\n<p>Tap the left and right arrows to view the budget overview for a different month.[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture24.png&#8221; title_text=&#8221;Picture24&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<p><span>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.<\/span><\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture25.png&#8221; title_text=&#8221;Picture25&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;zx9&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<h2><a name=\"_Toc198556193\"><\/a><strong><b>Budget Notifications<\/b><\/strong><\/h2>\n<p>Vision Money notifies you when you&#8217;re at risk of overspending.<\/p>\n<p>Budget Notifications are shown on the <span><a href=\"#o5\"><u>Dashboard<\/u><\/a><\/span>\u00a0when your actual spending significantly exceeds your planned budget.[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Financial Goals&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;Goals&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><strong><b>Overview<\/b><\/strong><\/h2>\n<p>Setting clear financial goals is key to building a strong financial future. Whether you&#8217;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.<\/p>\n<p>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.<\/p>\n<p>By setting Financial Goals, you can:<\/p>\n<ul>\n<li><span><\/span>Prioritize what matters most to you.<\/li>\n<li><span><\/span>Set realistic timelines for achieving your objectives.<\/li>\n<li><span><\/span>See how your goals fit into your overall financial plan.<\/li>\n<li><span><\/span>Stay motivated by tracking your progress visually.<\/li>\n<\/ul>\n<p>You can set a variety of goals depending on your needs \u2014 from short-term savings for a vacation to long-term investments like retirement planning.<br \/>\nNo matter the size or scope, Vision Money gives you the tools to turn your financial dreams into achievable milestones.<\/p>\n<p>\u2705\u00a0<strong><b><span>Tip:<\/span><\/b><\/strong>\u00a0Start by identifying your most important goals first. Focus on what will give you the greatest peace of mind or fulfillment, then build from there.<\/p>\n<h2 id=q4><strong><b>Goal Settings<\/b><\/strong><\/h2>\n<p>The <strong><b>Goal Settings<\/b><\/strong>\u00a0allow 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.<\/p>\n<p>Access the settings by selecting <strong><b>My Goals,<\/b><\/strong>\u00a0going to <strong><b>Main Settings,<\/b><\/strong>\u00a0and reviewing the <strong><b>Basic Setting<\/b><\/strong>, <strong><b>Budget Goal<\/b><\/strong>, and <strong><b>My Goals<\/b><\/strong>\u00a0areas.<\/p>\n<p>Access the settings by tapping the \u00a0\u00a0icon in the upper-left corner of any page and then selecting <strong><b>My<\/b><\/strong>\u00a0<strong><b><span>Goals<\/span><\/b><\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>The Goal Settings are broken down into three sections:<\/p>\n<ul>\n<li><span><\/span>Basic Settings<\/li>\n<li><span><\/span>Budget Goal<\/li>\n<li><span><\/span>My Goals<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture26.png&#8221; title_text=&#8221;Picture26&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;_Basic_Settings&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h3><strong><b>Basic Settings<\/b><\/strong><\/h3>\n<p>The <strong><b><span>Basic Setting<\/span><\/b><\/strong>\u00a0section defines the key assumptions that shape your financial projections.<\/p>\n<p>Tap <strong><b>Edit<\/b><\/strong>\u00a0to adjust any of these values as your situation changes.<\/p>\n<p>\u2705\u00a0<strong><b><span>Tip: <\/span><\/b><\/strong>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).<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture27.png&#8221; title_text=&#8221;Picture27&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; custom_padding=&#8221;||0px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b> Return% (Annual Return Percentage):<\/b><\/strong><br \/>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.<\/li>\n<\/ul>\n<p>Since Goals work on a monthly basis, the annual return is first converted into a monthly return.<\/p>\n<p>\u00a0Each month&#8217;s ending balance is calculated using the following formula:<\/p>\n<p>&nbsp;<\/p>\n<p>This return rate affects your monthly target balance and the actual expected balance.<\/p>\n<p><strong><b>Example<\/b><\/strong>:\u00a02.00% expected annual return.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Inflation %<\/b><\/strong>:<br \/>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.<\/li>\n<\/ul>\n<p>When creating goals, you will select a Value Type for each. Selecting <strong><b>Present Value<\/b><\/strong>\u00a0means the goal amount is based on today&#8217;s value. It will be adjusted based on this inflation % a year from now. A Value Type of <strong><b>Future Value<\/b><\/strong>\u00a0means the goal amount is based solely on the amount specified, regardless of inflation.<\/p>\n<p>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.<\/p>\n<p><strong><b>Example<\/b><\/strong>:\u00a02.00% expected inflation.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Mortgage %:<\/b><\/strong><br \/>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.<\/li>\n<\/ul>\n<p><strong><b>Example:<\/b><\/strong><strong><b>\u00a0<\/b><\/strong>4.23% mortgage interest rate.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Initial Date:<\/b><\/strong><strong><b><br \/><\/b><\/strong>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 <span><a href=\"#_Basic_Settings\"><u>Basic Settings<\/u><\/a><\/span>.<br \/>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.<\/li>\n<\/ul>\n<p><strong><b>Example:<\/b><\/strong><strong><b>\u00a0<\/b><\/strong>February 2024<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Retire Date:<\/b><\/strong><br \/>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.<\/li>\n<\/ul>\n<p>The end date of a Budget Goal should be set to your retirement date.<\/p>\n<p><strong><b>Example:<\/b><\/strong><strong><b>\u00a0<\/b><\/strong>February 2055<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Plan End Date<\/b><\/strong>:<br \/>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.<\/li>\n<\/ul>\n<p><strong><b>Example:<\/b><\/strong><strong><b>\u00a0<\/b><\/strong>February 2085<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Account for Goals:<\/b><\/strong><strong><b><br \/><\/b><\/strong>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&#8217;t plan to sell it, you can exclude it from your plan. Or, if you&#8217;re working with a financial advisor and don&#8217;t want to share certain account balances, you can simply leave those accounts out of the plan.<\/li>\n<\/ul>\n<p>Select the box next to each account to include in your financial plan. Tap <strong><b>Select all<\/b><\/strong>\u00a0to select all accounts; tap <strong><b>Unselect all<\/b><\/strong>\u00a0to deselect all accounts.<\/p>\n<h3><a name=\"_Toc198556198\"><\/a><strong><b><\/b><\/strong><\/h3>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;budget_goals&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h3><strong><b>Budget Goals<\/b><\/strong><\/h3>\n<p>This section ties your budget categories to the related goals.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Budget Item Count<\/b><\/strong>:<br \/>Number of income and spending budget items you&#8217;ve created.<\/li>\n<li><b><span><\/span><\/b><strong><b>Income Budget Amount<\/b><\/strong>:<br \/>The total monthly income target is based on your budget plans.<\/li>\n<li><b><span><\/span><\/b><strong><b>Spending Budget Amount<\/b><\/strong>:<br \/>The total monthly spending target you aim to stay within.<\/li>\n<li><b><span><\/span><\/b><strong><b>Total Budget Amount<\/b><\/strong>:<br \/>A calculated summary of income minus spending to show your monthly surplus or deficit.<\/li>\n<\/ul>\n<p>Tap <strong><b>Edit<\/b><\/strong>\u00a0to select the budget categories to include in goal achievement.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture28.png&#8221; title_text=&#8221;Picture28&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;goal_setting&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221;]<\/p>\n<p>Select\u00a0the box next to each budget item to include in your goals. Tap <strong><b>Select all<\/b><\/strong>\u00a0to select all accounts; tap <strong><b>Unselect all<\/b><\/strong>\u00a0to deselect all accounts.<\/p>\n<h3><strong><b>My \u00a0Goals<\/b><\/strong><\/h3>\n<p>To see your financial goals:<\/p>\n<ul>\n<li><span><\/span>From the Dashboard, tap the \u00a0icon on the upper-left corner of any page\u00a0and select <strong><b>My<\/b><\/strong>\u00a0<strong><b><span>Goals<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>Tap the gear icon () in the upper-right corner of the My Goals page. You will see all of the Goal settings. In the <strong><b>My Goals<\/b><\/strong>section, tap <strong><b>Edit<\/b><\/strong>.<\/li>\n<\/ul>\n<p>You will see a list of your goals, including:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Goal Type<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Goal Interval<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Goal Name<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Start Date<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Target Date<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Frequency<\/span><\/b><\/strong><\/li>\n<\/ul>\n<p><strong><b><span>Goal Amount<\/span><\/b><\/strong><\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture29.png&#8221; title_text=&#8221;Picture29&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><strong><em><b><i>Goal Types<\/i><\/b><\/em><\/strong><\/h4>\n<p>There are four fundamental types of financial goals: Initial Asset, Savings, Income, and Spending Goals.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Initial Asset<\/span><\/b><\/strong>: 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 <span>Initial Asset<\/span><\/li>\n<\/ul>\n<p>Set the start date and end date to today, and use a <span>frequency of 0<\/span>, which means it\u2019s a one-time entry.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Saving Goals \u2013 <\/b><\/strong>Saving Goals are goals that relate to money I want to save for the future. This includes things like a vacation, etc.<\/li>\n<li><b><span><\/span><\/b><strong><b>Income Goal \u2013 <\/b><\/strong>Income goals are goals that relate to money coming in, including things like your salary, initial balances, bonuses, etc.<\/li>\n<li><b><span><\/span><\/b><strong><b>Spending Goals \u2013 <\/b><\/strong>Spending Goals are for things you will pay for in the future. For example, retirement, college education, house purchase, monthly living expenses, etc.<\/li>\n<\/ul>\n<p>Vision Money simplifies goal creation by offering several predefined goals while also giving you the flexibility to create any goal you may have.<\/p>\n<p>The predefined goals include the following:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>College Education \u2013 <\/b><\/strong>Planning to save for college.<\/li>\n<li><b><span><\/span><\/b><strong><b>Retirement \u2013 <\/b><\/strong>Planning to save money for retirement.<\/li>\n<li><b><span><\/span><\/b><strong><b>Home Purchase \u2013 <\/b><\/strong>Planning to purchase a home in the future.<\/li>\n<li><strong>Repayment Goal &#8211; <\/strong>A loan repayment plan that starts with the minimum required payments during the initial period, followed by regular installments where both principal and interest are evenly spread out over time.<\/li>\n<\/ul>\n<p>Use the Income and Spending goals for any other goals you want to create.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Income \u2013 <\/b><\/strong>Planning to save a portion of income. This could be how much you want to save within a specific date range.<strong><b><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b>Spending \u2013 <\/b><\/strong>Planning for a specified spend amount. This could be a future purchase, travel, etc.<\/li>\n<\/ul>\n<h4><strong><em><b><i>Creating a New Goal<\/i><\/b><\/em><\/strong><\/h4>\n<p>To add a new goal:<\/p>\n<ol>\n<li><span><\/span>From the <strong><b>My Goals List<\/b><\/strong>, tap <strong><b>+ <\/b><\/strong><\/li>\n<li><span><\/span>Choose a goal type (College Education Goal, Retirement Goal, Home Purchase Goal, Income Goal, Spending Goal).<\/li>\n<li><span><\/span>Enter the required details:<\/li>\n<\/ol>\n<ul>\n<li><span><\/span>College Education Goal<\/li>\n<li><b><span><\/span><\/b><strong><b>Goal Name<\/b><\/strong>: Recognizable Goal name.<\/li>\n<li><b><span><\/span><\/b><strong><b>Attend Date<\/b><\/strong>: Start date of attendance.<\/li>\n<li><b><span><\/span><\/b><strong><b>Number of years<\/b><\/strong>: Number of years to attend.<\/li>\n<li><b><span><\/span><\/b><strong><b>Cost per semester<\/b><\/strong>: Approximate cost per semester.<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture30.png&#8221; title_text=&#8221;Picture30&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span><\/span>Retirement Goal<\/li>\n<li><b><span><\/span><\/b><strong><b>Goal Name: <\/b><\/strong>Recognizable Goal name.<\/li>\n<li><b><span><\/span><\/b><strong><b>Start\/End Retirement Date: <\/b><\/strong>Date to retire. The End date should cover your approximate life span.<\/li>\n<li><strong><b>Monthly Retirement: <\/b><\/strong>The amount you will need to live on each month.<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture32.png&#8221; title_text=&#8221;Picture32&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span><\/span>\n<ul>\n<li><span><\/span>Home Purchase Goal<\/li>\n<li><b><span><\/span><\/b><strong><b>Goal Name<\/b><\/strong>: Recognizable Goal name.<\/li>\n<li><b><span><\/span><\/b><strong><b>Home Purchase Date<\/b><\/strong>: Date to buy home.<\/li>\n<li><b><span><\/span><\/b><strong><b>Home Purchase Price<\/b><\/strong>: Cost of house.<\/li>\n<li><b><span><\/span><\/b><strong><b>House Price Growth%<\/b><\/strong>:<\/li>\n<li><b><span><\/span><\/b><strong><b>Down Payment<\/b><\/strong>: Down payment amount.<\/li>\n<li><b><span><\/span><\/b><strong><b>Mortgage%<\/b><\/strong>: Mortgage Interest Rate<\/li>\n<li><b><span><\/span><\/b><strong><b>Loan Term<\/b><\/strong>: Loan number of years<\/li>\n<li><b><span><\/span><\/b><strong><b>Down payment due date<\/b><\/strong>: Date the down payment will be needed.<\/li>\n<\/ul>\n<p><strong><b>Note:<\/b><\/strong>\u00a0The monthly payment will be autmatically calculated based on equal principal and interest.<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;Blurb&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><strong>Retirement Goal<\/strong><\/p>\n<ul>\n<li><strong>Goal Name<\/strong>: Recognizable Goal name.<\/li>\n<li><strong>Start\/End Retirement Date<\/strong>: Date to retire. The End date should cover your approximate life span.<\/li>\n<li><strong>Monthly Retirement<\/strong>: The amount you will need to live on each month.<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture31.png&#8221; title_text=&#8221;Picture31&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Income\/Spending Goal<\/p>\n<ul>\n<li><strong>Goal Name<\/strong>: A descriptive title for your goal.<\/li>\n<li><strong>Goal Amount<\/strong>: The total amount of the goal.<\/li>\n<li><strong>Annual Amount Growth %<\/strong>: Used when estimating financial goals.Defaults to the Inflation % set in the Basic Settings.<\/li>\n<li><strong>Value Type<\/strong>: Selecting Present Valuemeans the goal amount is based on today&#8217;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.<\/li>\n<li><strong>Start Date<\/strong>: When the goal is started.<\/li>\n<li><strong>End Date<\/strong>: When you want to achieve the goal.<\/li>\n<li><strong>Till Expiry Date<\/strong><\/li>\n<li><strong>Interval Month<\/strong><\/li>\n<\/ul>\n<p>After entering the goal information, tap Save to create the goal<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; module_id=&#8221;repayment_goal&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><strong>Repayment Goal<\/strong><\/p>\n<ul>\n<li><strong>Goal Name<\/strong>: A descriptive title for your repayment goal.<\/li>\n<li><strong>Repayment Start Date<\/strong>: The date when repayment begins.<\/li>\n<li><strong>Loan Amount<\/strong>: The total amount of the loan to be repaid.<\/li>\n<li><strong>Loan Interest Rate %<\/strong>: The annual interest rate applied to the loan.<\/li>\n<li><strong>Minimum Payment Amount<\/strong>: The fixed minimum amount you must pay each month during the initial period.<\/li>\n<li><strong>Min. Pay Months<\/strong>: The number of months you will make minimum payments.<br \/>Equal Installment Months: The number of months for equal principal-and-interest installments after the minimum payment period.<\/li>\n<li><strong>Installment Amount<\/strong>: The fixed monthly amount to be paid during the installment period.<\/li>\n<\/ul>\n<p>After entering the goal information, tap Save to create the goal<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/09\/Repayment-Goal.jpg&#8221; title_text=&#8221;Repayment Goal&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;61.7%&#8221; custom_margin=&#8221;|337px||||&#8221; custom_padding=&#8221;|125px||||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Some Common Financial Goals<\/p>\n<p>[\/et_pb_blurb][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<table style=\"width: 100%; border-collapse: collapse; table-layout: fixed;\">\n<thead>\n<tr style=\"background: #f5f5f5; font-size: 12px; font-weight: bold; line-height: 1.4;\">\n<th style=\"width: 20%; padding: 8px; text-align: left;\">Goal Type<\/th>\n<th style=\"width: 40%; padding: 8px; text-align: left;\">Description<\/th>\n<th style=\"width: 20%; padding: 8px; text-align: left;\">Example Target Amount<\/th>\n<th style=\"width: 20%; padding: 8px; text-align: left;\">Example Target Date<\/th>\n<\/tr>\n<\/thead>\n<tbody style=\"font-size: 12px; line-height: 1.4;\">\n<tr>\n<td style=\"padding: 6px;\">Retirement<\/td>\n<td style=\"padding: 6px;\">Save for income after you stop working.<\/td>\n<td style=\"padding: 6px;\">$500,000<\/td>\n<td style=\"padding: 6px;\">Age 65<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Emergency Fund<\/td>\n<td style=\"padding: 6px;\">Build a safety net for unexpected expenses.<\/td>\n<td style=\"padding: 6px;\">$10,000<\/td>\n<td style=\"padding: 6px;\">Within 12 months<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Home Purchase<\/td>\n<td style=\"padding: 6px;\">Save for a down payment or purchase of a home.<\/td>\n<td style=\"padding: 6px;\">$50,000<\/td>\n<td style=\"padding: 6px;\">In 3 years<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Education Funding<\/td>\n<td style=\"padding: 6px;\">Save for your child&#8217;s or a grandchild&#8217;s education.<\/td>\n<td style=\"padding: 6px;\">$100,000<\/td>\n<td style=\"padding: 6px;\">Child&#8217;s age 18<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Major Purchase<\/td>\n<td style=\"padding: 6px;\">Save for a car, boat, vacation, or other large expenses.<\/td>\n<td style=\"padding: 6px;\">$30,000<\/td>\n<td style=\"padding: 6px;\">In 2 years<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Business Startup<\/td>\n<td style=\"padding: 6px;\">Save to start your own business.<\/td>\n<td style=\"padding: 6px;\">$75,000<\/td>\n<td style=\"padding: 6px;\">In 5 years<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Debt Payoff<\/td>\n<td style=\"padding: 6px;\">Set a goal to pay off student loans, credit cards, or mortgages.<\/td>\n<td style=\"padding: 6px;\">$20,000<\/td>\n<td style=\"padding: 6px;\">In 2 years<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Wedding \/ Events<\/td>\n<td style=\"padding: 6px;\">Save for a wedding, anniversary, or other large event.<\/td>\n<td style=\"padding: 6px;\">$25,000<\/td>\n<td style=\"padding: 6px;\">In 18 months<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 6px;\">Travel Fund<\/td>\n<td style=\"padding: 6px;\">Save for future trips or vacations.<\/td>\n<td style=\"padding: 6px;\">$15,000<\/td>\n<td style=\"padding: 6px;\">Annually<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/et_pb_text][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span><\/span><br \/>\n<h4><strong><em><b><i>Editing or Deleting Goals<\/i><\/b><\/em><\/strong><\/h4>\n<p>You can edit a goal at any time:<\/p>\n<ul>\n<li><span><\/span>From the <strong><b><span>My Goals Listing<\/span><\/b><\/strong>, select the goal.<\/li>\n<li><span><\/span><span>Edit the goal information and tap <\/span><strong><b><span>Save<\/span><\/b><\/strong>.<\/li>\n<\/ul>\n<p>If you no longer wish to pursue a goal, you can delete it:<\/p>\n<ul>\n<li><span><\/span>Tap the <strong><b><span>Delete Goal<\/span><\/b><\/strong><\/li>\n<\/ul>\n<p><strong><b><span>Note:<\/span><\/b><\/strong> Deleting a goal is permanent and cannot be undone.<span style=\"font-size: 20px;\">\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;pritrity_goal&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>\n<h4><strong><em><b><i>Prioritizing Goals<\/i><\/b><\/em><\/strong><\/h4>\n<p>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.<\/p>\n<p>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.<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;projected_goal_achievement&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; custom_padding=&#8221;15px|||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>\n<h2 id=\"q5\"><strong><b>Tracking Goal Achievement<\/b><\/strong><\/h2>\n<p>Once you have entered your goals, you will see a summary of those goals on the <strong><b>My Goals<\/b><\/strong>\u00a0page. From the Dashboard, tap the \u00a0\u00a0\u00a0icon on the upper-left corner of any page\u00a0and select <strong><b>My<\/b><\/strong>\u00a0<strong><b><span>Goals<\/span><\/b><\/strong>.<\/p>\n<p>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 %.<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture33-scaled.png&#8221; title_text=&#8221;Picture33&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;minimum_return&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li><span><\/span><br \/>\n<h3><strong><b>Target Annual Return\u00a0%<\/b><\/strong><\/h3>\n<p>Goal Achievement is calculated based on the Target Return percentage. Enter a value based on the current <strong><b>Return %<\/b><\/strong>\u00a0and tap <strong><b>Calculate<\/b><\/strong>. Based on this return value, the calculation considers the status of each goal&#8217;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.<\/p>\n<h3><strong><b>Minimal Required Return<\/b><\/strong><\/h3>\n<p>Tapping on <strong><b>Minimum Return<\/b><\/strong>\u00a0will 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.<\/p>\n<p>View Target Asset Chart<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture34.png&#8221; title_text=&#8221;Picture34&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; module_id=&#8221;target_asset_chart&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span><\/span>\n<p>Based on your starting balance, financial goals, and expected return rate, Vision Money shows your projected asset balance at the end of each month\u2014giving you a clear picture of how your finances might evolve over time.<\/p>\n<p>&nbsp;<\/p>\n<p>But not all goals are always achievable. If your planned income and spending don\u2019t align, you may face a cash shortfall during the plan.<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>First Cash Shortage<\/b><\/strong>: When you\u2019ll first run out of money.<\/li>\n<li><b><span><\/span><\/b><strong><b>Shortage Months<\/b><\/strong>: How many months you\u2019ll be short on cash during the plan.<\/li>\n<li><b><span><\/span><\/b><strong><b>Max Asset Amount<\/b><\/strong>: The highest your assets will reach during the plan.<\/li>\n<li><b><span><\/span><\/b><strong><b>Min Asset Amount<\/b><\/strong>: The lowest your assets will drop to.<\/li>\n<li><b><span><\/span><\/b><strong><b>Min Asset Date<\/b><\/strong>: The date on which the lowest asset balance occurs during the plan.<\/li>\n<li><b><span><\/span><\/b><strong><b>Target Ending Balance<\/b><\/strong>: How much money you\u2019re expected to have by the end of the plan.<\/li>\n<li><b><span><\/span><\/b><strong><b>Present Value of Ending Asset<\/b><\/strong>: What that future amount is worth today.<\/li>\n<li><b><span><\/span><\/b><strong><b>Target Asset<\/b><\/strong>: How much you should have today to stay on track.<\/li>\n<li><b><span><\/span><\/b><strong><b>Actual Asset<\/b><\/strong>: What you actually have today.<\/li>\n<li><b><span><\/span><\/b><strong><b>Difference in Present Value of Ending Assets <\/b><\/strong>= Present Value of Ending Asset \u2013 Target Asset + Actual Asset: This shows how much more you need right now to fully reach your goals.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;goal_achievement&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li>\n<h3><strong><b>Goal Achievement %<\/b><\/strong><\/h3>\n<p>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 \u00a0Target Return.<\/p>\n<p>The <strong><b>Cost %<\/b><\/strong>\u00a0column tells you how much of your income and assets it will take to fund each goal.<\/p>\n<p><strong><b>Goal %<\/b><\/strong>\u00a0is 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\u2019t 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 <strong><b>100%<\/b><\/strong>\u00a0will appear at the top, and any goal below 100% must be followed by those with <strong><b>0%<\/b><\/strong>.<\/p>\n<p>The<strong><b>\u00a0Current % <\/b><\/strong>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\u2014whether income or spending\u2014will affect your <strong><b>Current %<\/b><\/strong>, but it will <strong><b>not<\/b><\/strong>\u00a0affect your <strong><b>Goal %<\/b><\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;asset_achievement&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>\n<h3><strong><b>Asset Achievement Analysis<\/b><\/strong><\/h3>\n<p>The <strong><b><span>Asset Achievement Analysis<\/span><\/b><\/strong>\u00a0section on the <strong><b><span>My Goals<\/span><\/b><\/strong>\u00a0page 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 <strong><b><span>actual assets<\/span><\/b><\/strong>\u00a0against your <strong><b><span>target assets<\/span><\/b><\/strong>\u00a0and breaks down the key factors influencing your progress.<\/p>\n<p>This section provides the following information:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Asset Achievement %<\/b><\/strong>: A percentage showing how your actual assets compare to your target assets.<\/li>\n<li><span><\/span>This percentage is calculated as follows:<\/li>\n<li><i><span><\/span><\/i><em><i>Asset Achievement % = (Actual Assets \u00f7 Target Assets) \u00d7 100<\/i><\/em><\/li>\n<li><span><\/span>If your Asset Achievement % is 100% or more, you are ahead of schedule.<\/li>\n<li><b><span><\/span><\/b><strong><b>Actual Assets<\/b><\/strong>: The real total of your accounts and investments as of today.<\/li>\n<li><b><span><\/span><\/b><strong><b>Target Assets<\/b><\/strong>: The amount of assets you <em><i>should<\/i><\/em>have accumulated by today based on your financial plan and original goals.<\/li>\n<\/ul>\n<p>View Target Comparison Chart<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture35.png&#8221; title_text=&#8221;Picture35&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span><\/span>\n<p>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 <strong><b>consistently<\/b><\/strong>\u00a0on track over time.<\/p>\n<p>Vision Money goes a step further by showing why you are ahead or behind your goals.<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture36.png&#8221; title_text=&#8221;Picture36&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span><\/span><\/p>\n<p>It analyzes these four key components:<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;factor_analysis&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<table style=\"width:100%; font-size:12px; line-height:1.4; border-collapse:collapse;\">\n<tbody>\n<tr>\n<td style=\"width:20%; font-weight:600;\">Category<\/td>\n<td style=\"width:40%; font-weight:600;\">Meaning<\/td>\n<td style=\"width:40%; font-weight:600;\">Impact Example<\/td>\n<\/tr>\n<tr>\n<td style=\"width:20%; font-weight:600;\">Income<\/td>\n<td style=\"width:40%;\">Compares your actual income to your expected income.<\/td>\n<td style=\"width:40%;\">Higher income than planned improves achievement.<\/td>\n<\/tr>\n<tr>\n<td style=\"width:20%; font-weight:600;\">Spending<\/td>\n<td style=\"width:40%;\">Measures how your actual spending compares to your spending goals.<\/td>\n<td style=\"width:40%;\">Spending less than planned improves achievement.<\/td>\n<\/tr>\n<tr>\n<td style=\"width:20%; font-weight:600;\">Net Transfers<\/td>\n<td style=\"width:40%;\">Tracks money added to accounts outside of income (e.g., rollovers, gifts).<\/td>\n<td style=\"width:40%;\">Large transfers can greatly boost achievement.<\/td>\n<\/tr>\n<tr>\n<td style=\"width:20%; font-weight:600;\">Acc. Return %<\/td>\n<td style=\"width:40%;\">Measures the actual return percentage to the percentage needed to achieve your goals.<\/td>\n<td style=\"width:40%;\">Uses real-time data to determine how close you are to reaching your target return.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Each area is color-coded or marked to easily show whether it contributed positively or negatively toward your overall achievement.<\/p>\n<p>Monitoring this analysis is critical because it shows:<\/p>\n<ul>\n<li><span><\/span>If you&#8217;re meeting your goals early (over 100% achievement).<\/li>\n<li><span><\/span>If you&#8217;re falling behind and need to adjust your plan (under 100% achievement).<\/li>\n<li><span><\/span>What specific factors (income, spending, investing, or external funds) are helping or hurting your progress.<\/li>\n<\/ul>\n<p>\u2705\u00a0<strong><b>Tip: <\/b><\/strong>If your Asset Achievement % is above <strong><b>100%<\/b><\/strong>, you are in a strong position and may even be able to accelerate other goals.<br \/>If your Asset Achievement % is below <strong><b>90%<\/b><\/strong>, it&#8217;s a good time to review your income, spending habits, or investment strategy.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Investment Tracking&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;linking-goals&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><strong><b>Overview<\/b><\/strong><\/h2>\n<p>Vision Money&#8217;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&#8217;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.<\/p>\n<p>In Vision Money you can:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Set up initial investment positions<\/span><\/b><\/strong>easily by inputting quantities and costs, avoiding the need to enter every past transaction manually.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Automatically update market prices<\/span><\/b><\/strong>so your portfolio always reflects real-time values without requiring external spreadsheets or manual calculations.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Monitor daily and historical performance<\/span><\/b><\/strong>with metrics like time-weighted return, unrealized and realized gains\/losses, and dividend income.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Compare performance<\/span><\/b><\/strong>to personal targets or market benchmarks, such as a fixed annual return goal or major stock indices like global large caps.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Track multiple account types<\/span><\/b><\/strong>, including cash, brokerage (trading), and retirement accounts\u2014all in one place.<\/li>\n<\/ul>\n<p>Whether you&#8217;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.<\/p>\n<p>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.<\/p>\n<p>The <strong><b><span>Performance<\/span><\/b><\/strong>\u00a0page is your central hub for tracking your investment&#8217;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 <strong><b><span>Performance <\/span><\/b><\/strong>from the bottom navigation menu.<\/p>\n<h3 id=\"ds1\"><strong><b>Performance Analysis Period<\/b><\/strong><\/h3>\n<p>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.<\/p>\n<p>The period can be further customized by tapping the Dates () icon. Select from the predefined options or customize your own.<\/p>\n<p>The earliest start date for Performance calculation is the earliest of the following: transaction date or holding date.<\/p>\n<h3 id=ds2><strong><b><span>Accumulated Return (Acc. Return)<\/span><\/b><\/strong><\/h3>\n<p>This is where users can view their investment account&#8217;s <span>actual return percentage<\/span>\u00a0(Time-weighted rate of return)over the selected period, alongside a <strong><b><span>target return<\/span><\/b><\/strong>\u00a0(entered by the user). A <span>line chart<\/span><strong><b>\u00a0<\/b><\/strong>compares the actual performance to the target.<\/p>\n<p>Setting a <strong><b><span>target return<\/span><\/b><\/strong>\u00a0helps you benchmark performance. Whether you aim for a conservative 2% return or a more aggressive goal, this chart immediately shows if you&#8217;re on track.<br \/>\nThe accompanying table breaks it down further by displaying:<\/p>\n<ul>\n<li><span><\/span><span>Actual Investment Return<\/span><\/li>\n<li><span><\/span><span>Target Return<\/span><\/li>\n<li><span><\/span><span>Difference (positive or negative)<\/span><\/li>\n<\/ul>\n<p>This allows quick interpretation of portfolio success or shortfalls.<\/p>\n<p>The <strong><b><span>Acc. Return<\/span><\/b><\/strong>\u00a0table not only displays your actual investment return and compares it to a target, but also allows you to explore <span>&#8220;what-if&#8221; scenarios<\/span><strong><b>\u00a0<\/b><\/strong>of individual securities or custom portfolios. This helps you benchmark performance, simulate historical returns, and assess potential strategies\u2014all without affecting real account data.<\/p>\n<h4><strong><em><b><i>Select Security<\/i><\/b><\/em><\/strong><\/h4>\n<p>Tap <strong><b>Select Security<\/b><\/strong>\u00a0to add an individual stock, ETF, or index to the table.<\/p>\n<p><span><\/span>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture37.png&#8221; title_text=&#8221;Picture37&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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.<\/p>\n<h4><strong><em><b><i>Build Portfolio<\/i><\/b><\/em><\/strong><\/h4>\n<p>Use this feature to create a simulated portfolio using selected securities and custom allocation percentages. This is ideal for benchmarking or planning future strategies.<\/p>\n<p>Tap <strong><b>Build Portfolio<\/b><\/strong>\u00a0to begin creating it.<\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture38.png&#8221; title_text=&#8221;Picture38&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]First, enter a name for the portfolio. Then add multiple securities by tapping <strong><b>Add<\/b><\/strong>. For each security, assign a weighted percentage of allocation.<\/p>\n<p>Once completed, the custom portfolio appears as a new row in the performance table and as a separate line on the chart.<\/p>\n<p><strong><b>Use Case Example:<\/b><\/strong><br \/>\nCreate a hypothetical &#8220;Tech Growth&#8221; portfolio and compare it to your actual portfolio to determine if reallocation could improve performance.<\/p>\n<h4><strong><b><span>Gain\/Loss Summary<\/span><\/b><\/strong><\/h4>\n<p>This section provides a concise breakdown of your investment results:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Realized Gains\/Losses<\/span><\/b><\/strong>: Profits or losses from sold investments.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Dividend Income<\/span><\/b><\/strong>: Earnings received from dividends during the period.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Unrealized Gains<\/span><\/b><\/strong>: Increase in value for assets you still hold.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Total<\/span><\/b><\/strong>: The sum of all gain\/loss figures.<\/li>\n<\/ul>\n<p>Understanding the <span>source<\/span>\u00a0of your investment returns is essential. Even if the portfolio is growing, it&#8217;s important to know whether it&#8217;s due to market appreciation, dividend payouts, or profit from asset sales. This helps investors assess both growth and income strategies.<\/p>\n<h4><strong><b><span>Holding Details<\/span><\/b><\/strong><\/h4>\n<p>This section shows your current investment holdings, including:<\/p>\n<ul>\n<li><span><\/span><span>Security Name and Symbol<\/span><\/li>\n<li><span><\/span><span>Number of Shares<\/span><\/li>\n<li><span><\/span><span>Current Market Price<\/span><\/li>\n<li><span><\/span><span>Price Change and Daily Percentage Change<\/span><\/li>\n<li><span><\/span><span>Market Value<\/span><\/li>\n<li><span><\/span><span>Allocation % (Weight)<\/span><\/li>\n<\/ul>\n<p>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.<\/p>\n<p>Below the table is a <span>color-coded pie chart<\/span>\u00a0visually representing the distribution of your holdings by allocation.<\/p>\n<h3 id=\"z1\"><a name=\"_Toc198556211\"><\/a><strong><b><span>Investment Account Summary<\/span><\/b><\/strong><\/h3>\n<p>The next section is an Investment Account Listing. This area lists summary data by account (e.g., &#8220;Fidelity&#8221;), including:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Total Value<\/span><\/b><\/strong>(current market value of assets in the account)<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Total Cost<\/span><\/b><\/strong>(amount originally paid for those assets)<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Total Return<\/span><\/b><\/strong>(performance percentage for the account)<\/li>\n<\/ul>\n<p>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.<\/p>\n<h3 id=ds3><a name=\"_Toc198556212\"><\/a><strong><b>Creating Investment Accounts<\/b><\/strong><\/h3>\n<p>To begin tracking investments, start by creating your Investment accounts. This is done on the <span><a href=\"#AccountManagement\"><strong><u><b>Accounts<\/b><\/u><\/strong><\/a><\/span>\u00a0page.<\/p>\n<p>An example Investment Account might look as follows:<\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Account Name: Fidelity Trading Account<\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b>Initial Positions: <\/b><\/strong>\n<ul>\n<li><span><\/span>AAPL, 10 shares, $1800.00 cost<\/li>\n<li><span><\/span>MSFT, 8 shares, $3200.00 cost<\/li>\n<li><span><\/span>USD, 5000<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 id=ds4><a name=\"_Toc198556213\"><\/a><strong><b>Investment Transactions (Trades, Purchases, Sales)<\/b><\/strong><\/h3>\n<p>To track new investment activity, tap<span>\u00a0the <\/span><span><a href=\"#Transaction\"><u>Transaction<\/u><\/a><\/span><span>\u00a0<\/span><span>shortcut on the bottom menu and <\/span>the <strong><b><span>+<\/span><\/b><\/strong>\u00a0icon in the upper right corner<span>. <\/span><\/p>\n<p>Example:<\/p>\n<ul>\n<li><span><\/span>On June 6, 2023, buy 100 shares of IBM for $3,269 using your cash account.<\/li>\n<li><span><\/span>On July 7, sell 50 shares of SPY for $2,927.<\/li>\n<li><span><\/span>On June 16, 2023, receive a $327 dividend from SPY.<\/li>\n<\/ul>\n<p>Each buy, trade, and dividend impacts your actual return calculation. Vision Money automatically adjusts performance metrics to include:<\/p>\n<ul>\n<li><span><\/span>Realized gains\/losses from sales<\/li>\n<li><span><\/span>Dividend income<\/li>\n<li><span><\/span>Updated unrealized gains\/losses<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Reports &#038; Charts Overview&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;Reports&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><b>Overview<\/b><\/strong><\/h3>\n<p>Vision Money offers a robust reporting system that turns your financial data into insightful, easy-to-read visuals and summaries. Whether you&#8217;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.<\/p>\n<p>With flexible filters, date ranges, and graphical displays, Vision Money&#8217;s reporting tools are designed to help you:<\/p>\n<ul>\n<li><span><\/span>Monitor financial health<\/li>\n<li><span><\/span>Compare trends over time<\/li>\n<li><span><\/span>Analyze returns and income sources<\/li>\n<li><span><\/span>Make informed, data-driven decisions<\/li>\n<\/ul>\n<p>All reports are accessible via the <strong><b>Report <\/b><\/strong>shortcut at the bottom of the page.<\/p>\n<p>\u2705\u00a0<strong><b>Tip:<\/b><\/strong>\u00a0Reports 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.<\/p>\n<h3 id=\"z2\"><strong><b>Available Reports<\/b><\/strong><\/h3>\n<ul><\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;income_report&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; custom_padding=&#8221;0px|||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ol>\n<li><strong><b>Income Report <\/b><\/strong><\/li>\n<\/ol>\n<p>The Income Report summarizes all income transactions for a chosen period, categorized by source (e.g., salary, interest, dividend income).<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>View total income Monthly, by Category % or by Tag %<\/li>\n<li><span><\/span>Select one or more accounts, categories, and tags<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: bar, pie, or line<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Identify your most consistent income sources<\/li>\n<li><span><\/span>Understand seasonal or freelance income fluctuations<\/li>\n<\/ul>\n<p><strong><b>\u00a0<\/b><\/strong><\/p>\n<ol start=\"2\">\n<li><b><span><\/span><\/b><strong><b>Spending Report<\/b><\/strong><\/li>\n<\/ol>\n<p>The Spending Report breaks down your expenses by category, making it easy to spot where your money is going.<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>View total expenses Monthly, by Category % or by Tag %<\/li>\n<li><span><\/span>Select one or more accounts, categories, and tags<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: bar, pie, or line<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Find overspending categories<\/li>\n<li><span><\/span>Align expenses with your budget goals<\/li>\n<\/ul>\n<p><strong><b>\u00a0<\/b><\/strong><\/p>\n<ol start=\"3\">\n<li><b><span><\/span><\/b><strong><b>Net Income Report <\/b><\/strong><\/li>\n<\/ol>\n<p>The Net Income Report shows the difference between total income and total spending over time.<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Highlights surplus or deficit for each period<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Displayed as a bar chart<\/li>\n<li><span><\/span>Optional breakdown by account or tag<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Identify cash flow trends<\/li>\n<li><span><\/span>Monitor financial sustainability<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;asset_report&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ol start=\"4\">\n<li><strong><b>Asset Report<\/b><\/strong><\/li>\n<\/ol>\n<p>Shows the current and historical value of all your assets, including cash, investments, and fixed assets.<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>View asset distribution by Month-end Balance or Account %<\/li>\n<li><span><\/span>Select one or more accounts<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: bar<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Track portfolio growth<\/li>\n<li><span><\/span>Understand net worth evolution<\/li>\n<\/ul>\n<p><strong><b>\u00a0<\/b><\/strong><\/p>\n<ol start=\"5\">\n<li><b><span><\/span><\/b><strong><b>Liability Report<\/b><\/strong><\/li>\n<\/ol>\n<p>Displays all liabilities (e.g., loans, credit card balances) and how they change over time.<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Breakdown by Month-end Balance or Account %<\/li>\n<li><span><\/span>Track principal reduction and interest costs<\/li>\n<li><span><\/span>Select one or more accounts<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: bar, pie<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Monitor debt repayment progress<\/li>\n<li><span><\/span>Plan for large liability reductions<\/li>\n<\/ul>\n<p><strong><b>\u00a0<\/b><\/strong><\/p>\n<ol start=\"6\">\n<li><b><span><\/span><\/b><strong><b>Net Asset Report<\/b><\/strong><\/li>\n<\/ol>\n<p>This report combines the Asset and Liability Reports to calculate and display your net worth over time.<\/p>\n<p>Formula:<br \/>Net Assets = Total Assets \u2013 Total Liabilities<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>View net asset changes month-to-month<\/li>\n<li><span><\/span>Breakdown by Month-end Balance<\/li>\n<li><span><\/span>Select one or more accounts<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: bar, pie<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Assess financial health at a glance<\/li>\n<li><span><\/span>Prepare for long-term goals (e.g., retirement, home purchase)<\/li>\n<\/ul>\n<p><strong><b>\u00a0<\/b><\/strong><\/p>\n<ol start=\"7\">\n<li><b><span><\/span><\/b><strong><b>Transfer Report<\/b><\/strong><\/li>\n<\/ol>\n<p>Summarizes internal transfers between your accounts (e.g., moving money from checking to savings or from cash to a brokerage account).<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Visualize the frequency and amount of internal transfers<\/li>\n<li><span><\/span>Filter by Transfer In or Transfer Out<\/li>\n<li><span><\/span>Helps clarify true income vs. movement of existing funds<\/li>\n<li><span><\/span>Select one or more accounts and tags<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: pie<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Track internal cash flow movement<\/li>\n<li><span><\/span>Separate investment contributions from general spending<\/li>\n<li><span><\/span>Track prepaid expenses and other assets, and calculate the amount to be reimbursed for each prepaid item. Prepaid expenses can be recorded using a <span>Transfer<\/span>transaction, using <span>Tags<\/span>\u00a0to label each item. When requesting reimbursement, you can filter by <span>Tag<\/span>\u00a0to list all related prepaid expenses.<\/li>\n<\/ul>\n<p><strong><b>\u00a0<\/b><\/strong><\/p>\n<ol start=\"8\">\n<li><b><span><\/span><\/b><strong><b>Dividend Report<\/b><\/strong><\/li>\n<\/ol>\n<p>Provides details on all dividend income received from your investments.<\/p>\n<p><strong><b>Features:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Group dividends by month or by stock<\/li>\n<li><span><\/span>Visualize total dividends over time<\/li>\n<li><span><\/span>Identify top dividend-paying assets<\/li>\n<li><span><\/span>Select one or more accounts<\/li>\n<li><span><\/span>Select the Date Period to include<\/li>\n<li><span><\/span>Graphs: bar<\/li>\n<\/ul>\n<p><strong><b>Use Cases:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Analyze passive income performance<\/li>\n<li><span><\/span>Track yield efficiency for dividend investors<\/li>\n<\/ul>\n<h3 id=\"ds5\"><strong><b>Customization Options<\/b><\/strong><\/h3>\n<p>Each report has its own customization options, including Chart Type, Date Period, and Accounts, Categories, and Tags to include in the report.<\/p>\n<h4><strong><em><b><i>Chart Type<\/i><\/b><\/em><\/strong><\/h4>\n<p>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.<\/p>\n<h4><strong><em><b><i>Date Period<\/i><\/b><\/em><\/strong><\/h4>\n<p>Each chart has a predefined date selection of All, 12m, or 30d. To select a different date period, tap <strong><b>Report Option<\/b><\/strong>\u00a0and then tap .<\/p>\n<h4><strong><em><b><i>Accounts, Categories, Tags<\/i><\/b><\/em><\/strong><\/h4>\n<p>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.<\/p>\n<p>Tap the checkbox for each to be included in the report. You can also tap <strong><b>Select All<\/b><\/strong>\u00a0or <strong><b>Unselect All<\/b><\/strong>\u00a0to make it easier and faster to select individual items to include.<\/p>\n<p>You can export these reports as screenshots, making them useful for financial reviews, tax planning, or sharing with advisors.<\/p>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Regular Events Overview&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;RegularEvents&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Regular Events<\/span>\u00a0allow 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.<\/p>\n<p>Regular events are automatically added as a transaction at the specified timeframe.<\/p>\n<p>Using Regular Events helps you:<\/p>\n<ul>\n<li><span><\/span>Keep recurring transactions consistent<\/li>\n<li><span><\/span>Accurately forecast future balances<\/li>\n<li><span><\/span>Stay on top of bill payments and income schedules<\/li>\n<li><span><\/span>Reduce manual entry<\/li>\n<\/ul>\n<p><strong><b>Examples:<\/b><\/strong><\/p>\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Income:<\/span><\/b><\/strong>Automatically record your weekly salary deposit.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Spending:<\/span><\/b><\/strong>Set a monthly reminder for your rent or streaming service.<\/li>\n<li><b><span><\/span><\/b><strong><b><span>Transfer:<\/span><\/b><\/strong>Schedule weekly transfers from checking to savings.<\/li>\n<\/ul>\n<p>\u2705 <strong><b>Tips:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Use notifications to stay ahead of upcoming bills or avoid overdraft risks.<\/li>\n<li><span><\/span>Review your event list monthly to ensure everything is still accurate.<\/li>\n<li>\n<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:7c1d4e10-c88c-40d9-8e9e-876c14e121aa-7\" data-testid=\"conversation-turn-4\" data-scroll-anchor=\"true\" data-turn=\"assistant\" tabindex=\"-1\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div data-message-author-role=\"assistant\" data-message-id=\"ccd4c2f1-664b-4202-8c07-8c5bc897d3b4\" dir=\"auto\" class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" data-message-model-slug=\"gpt-5\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<p data-start=\"0\" data-end=\"191\" data-is-last-node=\"\" data-is-only-node=\"\">When you select <strong data-start=\"16\" data-end=\"43\">Main Menu \u2192 Update Data<\/strong>, Vision Money checks for Regular Event conditions and, if triggered, creates a pending transaction event shown in the Dashboard under Event Notice.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"z-0 flex min-h-[46px] justify-start\"><\/div>\n<div class=\"mt-3 w-full empty:hidden\">\n<div class=\"text-center\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div aria-hidden=\"true\" data-edge=\"true\" class=\"pointer-events-none h-px w-px\"><\/div>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture39.png&#8221; title_text=&#8221;Picture39&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_id=&#8221;ds6&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span><a href=\"#o6\"><u>Event Dashboard Notification<\/u><\/a><\/span><\/h3>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>After selecting the notices, tap <strong><b>Add to Transaction<\/b><\/strong>.<\/p>\n<ul><\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture40.png&#8221; title_text=&#8221;Picture40&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_id=&#8221;z3&#8243; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<strong><b>Note<\/b><\/strong>: After selecting the regular event notifications to include, tap &#8220;Add to Transaction&#8221; to add all selected events to transactions at once.<\/p>\n<h3><strong><b>Creating a Regular Event<\/b><\/strong><\/h3>\n<p>Access the Regular Events page by tapping the <span>\u2630<\/span><strong><b><span>\u00a0<\/span><\/b><\/strong><span>icon<\/span>\u00a0in the upper-left corner of any page, and then select <strong><b><span>Regular Events<\/span><\/b><\/strong>.<\/p>\n<ol>\n<li><span><\/span>Tap the <strong><b><span>+<\/span><\/b><\/strong>icon in the upper right corner.<\/li>\n<li><span><\/span>Enter a <strong><b>Name<\/b><\/strong>to identify the event. For example, a Netflix subscription or a Mortgage.<\/li>\n<li><span><\/span>Select the type of transaction (<strong><b>Income\/Spending<\/b><\/strong>or <strong><b>Transfer<\/b><\/strong>). This affects what information is included for the event.<\/li>\n<li><span><\/span>Enter the event information:<\/li>\n<\/ol>\n<ul>\n<li><b><span><\/span><\/b><strong><b>Account Currency<\/b><\/strong>\u2013 Select the currency used for this event. This must match the account you&#8217;re associating it with.<\/li>\n<li><b><span><\/span><\/b><strong><b>Add amount<\/b><\/strong>\u2013 Enter the transaction amount (e.g., 12.99 for a subscription or 2500.00 for salary).<\/li>\n<li><b><span><\/span><\/b><strong><b>Category<\/b><\/strong>(for Income\/Spending events only) \u2013 Tap to choose a category that best describes the transaction (e.g., &#8220;Groceries&#8221;, &#8220;Utilities&#8221;, &#8220;Salary&#8221;).<\/li>\n<li><b><span><\/span><\/b><strong><b>To account<\/b><\/strong>(Transfer only) \u2013 Select the destination account for fund transfers.<\/li>\n<li><b><span><\/span><\/b><strong><b>Frequency<\/b><\/strong>\u2013 Choose how often the event repeats. Options include <span>Daily<\/span>, <span>Weekly<\/span>, <span>Monthly<\/span>, or Yearly.<\/li>\n<li><b><span><\/span><\/b><strong><b>Base on the latest<\/b><\/strong>\u2013 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.<\/li>\n<li><b><span><\/span><\/b><strong><b>Notification Days<\/b><\/strong>\u2013 Choose how many days in advance you want to be notified before the event occurs.<\/li>\n<\/ul>\n<ol start=\"5\">\n<li><span><\/span>Tap <strong><b><span>Save<\/span><\/b><\/strong><span>.<\/span><\/li>\n<\/ol>\n<p>Your budget projections will automatically include the event based on its frequency.<\/p>\n<h3 id=ds7><strong><b>Editing a Regular Event<\/b><\/strong><\/h3>\n<p>To edit an event:<\/p>\n<ol>\n<li><span><\/span>Access the Regular Events page by tapping the <span>\u2630<\/span><strong><b><span><\/span><\/b><\/strong><span>icon<\/span>\u00a0in the upper-left corner of any page, then select <strong><b><span>Regular Events<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>Tap on an event in the Regular Events list.<\/li>\n<li><span><\/span>Modify the event information.<\/li>\n<li><span><\/span>Tap <strong><b>Save<\/b><\/strong>.<\/li>\n<\/ol>\n<h3 id=ds8><strong><b>Deleting a Regular Event<\/b><\/strong><\/h3>\n<p>To delete an event:<\/p>\n<ol>\n<li><span><\/span>Access the Regular Events page by tapping the <span>\u2630<\/span><strong><b><span><\/span><\/b><\/strong><span>icon<\/span>\u00a0in the upper-left corner of any page, then select <strong><b><span>Regular Events<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>Tap on an event in the Regular Events list.<\/li>\n<li><span><\/span>Tap <strong><b>Delete event<\/b><\/strong>at the bottom of the page.<\/li>\n<\/ol>\n<ul><\/ul>\n<p>[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Settings &#038; Preferences Overview&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;Settings&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]The <strong><b><span>Settings and Version<\/span><\/b><\/strong>\u00a0menu allows you to personalize your experience, configure how financial data is calculated and displayed, and manage user information. Adjusting these settings ensures the app aligns with your specific needs, currency, language, and tax preferences.<\/p>\n<p>Access the settings by tapping the <span>\u2630<\/span><strong><b><span>\u00a0<\/span><\/b><\/strong><span>icon<\/span>\u00a0in the upper-left corner of any page, and then select <strong><b><span>Settings and Version<\/span><\/b><\/strong>.<\/p>\n<p>Here&#8217;s a breakdown of each setting and what it controls:<\/p>\n<h2 id=we1><strong><b>Vision Money Version<\/b><\/strong><\/h2>\n<p>Displays the current version of the app you are using. This is useful when contacting support or checking for updates.<\/p>\n<h2 id=we2><strong><b>User Plan \/ Due Date<\/b><\/strong><\/h2>\n<p>Shows your current subscription level and its expiration date.<\/p>\n<h2 id=\"z4\"><strong><b>User Account<\/b><\/strong><\/h2>\n<p>Tap <strong><b><span>Edit<\/span><\/b><\/strong>\u00a0to update your account details, such as your email address or login credentials.<\/p>\n<h2 id=we3><strong><b>Category<\/b><\/strong><\/h2>\n<p><span>Categories<\/span>\u00a0are 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&#8217;s going.<\/p>\n<p>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.<\/p>\n<p><strong><b>Example:<\/b><\/strong><br \/>\nUnder &#8220;Utilities,&#8221; you could create subcategories for &#8220;Electric,&#8221; &#8220;Water,&#8221; and &#8220;Garbage.&#8221;<\/p>\n<p>To Add, Edit, or Delete categories, tap E<strong><b>dit. <\/b><\/strong>A list of all categories and subcategories is displayed.<\/p>\n<p>\u2705 <strong><b><span>Tip:<\/span><\/b><\/strong>\u00a0Think of categories as folders for your transactions. The more organized your folders, the more valuable your data will be.<\/p>\n<h3><strong><b>Add Category\/Subcategory<\/b><\/strong><\/h3>\n<p>Tap <strong><b>Add Spending Category<\/b><\/strong>\u00a0or <strong><b>Add Income Category<\/b><\/strong>\u00a0to add a new category. Enter a Main Expense or Income Category at the top of the page, then tap <strong><b>Add<\/b><\/strong>.<\/p>\n<p>To add a subcategory, select a main category first, then enter the subcategory at the bottom of the page. Tap <strong><b>Add<\/b><\/strong>.<\/p>\n<h4><strong><b>Example Subcategories:<\/b><\/strong><\/h4>\n<ul>\n<li><span><\/span>For the main category <strong><b><span>Clothing<\/span><\/b><\/strong>, you could add:\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Work Clothes<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Leisure Wear<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Shoes<\/span><\/b><\/strong><\/li>\n<\/ul>\n<\/li>\n<li><span><\/span>Under <strong><b><span>Transportation<\/span><\/b><\/strong>, you might add:\n<ul>\n<li><b><span><\/span><\/b><strong><b><span>Fuel<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Ride-sharing<\/span><\/b><\/strong><\/li>\n<li><b><span><\/span><\/b><strong><b><span>Public Transit<\/span><\/b><\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture41.png&#8221; title_text=&#8221;Picture41&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><b>Edit Category\/Subcategory<\/b><\/strong><\/h3>\n<p>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.<\/p>\n<h3><strong><b>Delete Category\/Subcategory<\/b><\/strong><\/h3>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>\u2705\u00a0<strong><b>Tip<\/b><\/strong>: If the replacement category does not exist, it must be added before deleting a category that is in use.<\/p>\n<h2 id=we4><strong><b>Tag<\/b><\/strong><\/h2>\n<p><span>Tags<\/span>\u00a0allow you to label transactions with specific identifiers that go beyond categories. They&#8217;re great for grouping related transactions across different categories, projects, or timeframes.<\/p>\n<ul>\n<li><span><\/span>Useful for labeling special projects or events (e.g., &#8220;Trip to Japan&#8221;).<\/li>\n<li><span><\/span>Can be used in reports and charts to visualize grouped spending across multiple categories.<\/li>\n<\/ul>\n<p>\u2705\u00a0<strong><b>Tip<\/b><\/strong>: Use tags for any spending or income that stretches across categories. Tags act like highlighters for your financial story.<\/p>\n<p><strong><b>Examples:<\/b><\/strong><\/p>\n<ul>\n<li><span><\/span>Tag all expenses related to a <strong><b><span>Japan Trip<\/span><\/b><\/strong>, even if they fall under different categories like Food, Lodging, and Flights.<\/li>\n<li><span><\/span>Use a <strong><b><span>Home Renovation<\/span><\/b><\/strong>tag to group costs across Supplies, Contractor Fees, and Furniture.<\/li>\n<li><span><\/span>Tag recurring income from a <strong><b><span>Side Business<\/span><\/b><\/strong>separate from your salary.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>To Add, Edaddit, or Delete tags, tap E<strong><b>dit <\/b><\/strong>on the Settings page.<strong><b>\u00a0<\/b><\/strong>A list of all tags is displayed.<\/p>\n<h3><strong><b>Add a tag<\/b><\/strong><\/h3>\n<h4><em><i>Tap<\/i><\/em><strong><em><b><i>\u00a0Add a tag<\/i><\/b><\/em><\/strong><em><i>\u00a0to create a new tag. <\/i><\/em>After entering the tag, tap <strong><b>Add<\/b><\/strong>.<\/h4>\n<h4><strong><b>Examples:<\/b><\/strong><\/h4>\n<ul>\n<li><span><\/span><span>Japan Trip<\/span><\/li>\n<li><span><\/span><span>John&#8217;s 8<\/span><sup><span>th<\/span><\/sup><span>Birthday Party<\/span><\/li>\n<li><span><\/span><span>Uber Driving Income<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/www.vision.money\/newsite\/wp-content\/uploads\/sites\/6\/2025\/06\/Picture42.png&#8221; title_text=&#8221;Picture42&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;50%&#8221; custom_margin=&#8221;30px||30px||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><strong><b>Edit tag<\/b><\/strong><\/h3>\n<p>From the Tag list, tap a tag to edit its name.<\/p>\n<h3><strong><b>Delete tag<\/b><\/strong><\/h3>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>\u2705\u00a0Tip: If the replacement tag does not exist, it must be added before deleting a tag that is in use.<\/p>\n<h2 id=\"z5\"><strong><b>Categories vs Tags<\/b><\/strong><\/h2>\n<p>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&#8217;ll unlock clearer insights and make your financial data easier to understand and act on.<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"307\"><strong><b>Categories<\/b><\/strong><\/td>\n<td width=\"351\"><strong><b>Tags<\/b><\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"307\">Sort transactions by <span>type<\/span><\/td>\n<td width=\"351\">Group transactions by <span>context<\/span><strong><b>\u00a0<\/b><\/strong>or<strong><b>\u00a0<\/b><\/strong><span>theme<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"307\">Required(every transaction needs one)<\/td>\n<td width=\"351\">Optional<\/td>\n<\/tr>\n<tr>\n<td width=\"307\">Groceries, Utilities, Salary<\/td>\n<td width=\"351\">Japan Trip, Home Renovation, Birthday Party<\/td>\n<\/tr>\n<tr>\n<td width=\"307\">Used in budget and spending reports<\/td>\n<td width=\"351\">Used for filtered reports or project tracking<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=we5><strong><b>Primary Currency<\/b><\/strong><\/h2>\n<p>Tap <strong><b><span>Edit<\/span><\/b><\/strong>\u00a0to set the currency that will be used for all calculations and reports.<\/p>\n<p>Once selected, all data assets, spending, and income will be shown in this currency.<\/p>\n<h2 id=\"w1\"><strong><b>Primary Currency Decimals<\/b><\/strong><\/h2>\n<p>Specifies how many decimal places to display for your currency.<\/p>\n<h2 id=we6><strong><b>Language<\/b><\/strong><\/h2>\n<p>Choose your preferred language for the app interface. Tap <strong><b><span>Edit<\/span><\/b><\/strong>\u00a0to select from available languages.<\/p>\n<h2 id=we7><strong><b>Return Calculation Start Date<\/b><\/strong><\/h2>\n<p>Set the start date for calculating investment performance in return reports and dashboard notices.<\/p>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nSetting this to 2024-01-01 will measure your return performance from January 1, 2024, onward.<\/p>\n<h2 id=we8><strong><b>Dividend Withhold %<\/b><\/strong><\/h2>\n<p>Sets the default tax withholding rate applied to dividend income when shown in investment return summaries and alerts.<\/p>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nA 15% rate will automatically deduct that amount when displaying projected or received dividends.<\/p>\n<h2 id=we9><strong><b>Number of Favourites<\/b><\/strong><\/h2>\n<p>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.<\/p>\n<p><strong><b><span>Example:<\/span><\/b><\/strong><br \/>\nSetting this to 10 means the app will remember and display your 10 most commonly used categories when entering transactions.<\/p>\n<p>\u2705\u00a0<strong><b><span>Tip: <\/span><\/b><\/strong>Review your settings periodically\u2014especially if you move countries, change your financial focus, or need to update tax rates or plan end dates.[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_heading title=&#8221;Cloud Backup &#038; Data Updates Overview&#8221; admin_label=&#8221;Heading&#8221; module_id=&#8221;CloudBackup&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#1C1F58&#8243; custom_css_free_form=&#8221;selector{||  margin-bottom: 15px !important;||}&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_blurb content_max_width=&#8221;100%&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;detail-para listed&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;24px&#8221; body_font=&#8221;|300|||||||&#8221; body_text_color=&#8221;#1C1F58&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.5em&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]The <span>Cloud Backup and Restore<\/span>\u00a0feature in Vision Money gives you peace of mind, knowing your financial data is protected and portable. Whether switching devices, upgrading your phone, or simply safeguarding your data, Vision Money makes it easy to back up and restore your financial records. The <strong><b><span>Cloud Backup \/ Restore<\/span><\/b><\/strong>\u00a0feature ensures that your data is always protected and accessible, whenever and wherever you need it.<\/p>\n<h2 id=we10><strong><b>Why It Matters<\/b><\/strong><\/h2>\n<p>Maintaining a secure copy of your data is essential to managing your financial health. Here&#8217;s what this feature enables you to do:<\/p>\n<ul>\n<li><span><\/span>\u2705<strong><b><span>Ensure data safety<\/span><\/b><\/strong>\u00a0in case of device loss, failure, or app uninstall.<\/li>\n<li><span><\/span>\ufffd<strong><b><span>Switch devices seamlessly<\/span><\/b><\/strong>\u00a0without losing your transaction history or custom settings.<\/li>\n<\/ul>\n<p>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.<\/p>\n<p>While it&#8217;s not automatic, this manual approach gives you complete control over when and how your data is saved.<\/p>\n<h2 id=we11><strong><b>Cloud Backup<\/b><\/strong><\/h2>\n<p>Back up your database to cloud storage. This includes all your transactions, categories, tags, and preferences.<\/p>\n<p><strong><b><span>How to Back Up:<\/span><\/b><\/strong><\/p>\n<ol>\n<li><span><\/span>Tap the <span>\u2630<\/span><strong><b><span><\/span><\/b><\/strong><span>icon<\/span>\u00a0in the upper-left corner of any page, and then select <strong><b><span>Cloud Backup \/ Restore<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>Tap <strong><b>Backup<\/b><\/strong>in the Cloud Backup section.<\/li>\n<li><span><\/span>Your data will be compressed and saved to your cloud account.<\/li>\n<\/ol>\n<p>You must be logged in with a valid account to use the backup feature.<\/p>\n<h2 id=\"w2\"><strong><b>Cloud Restore<\/b><\/strong><\/h2>\n<p>Restore your backed-up data from cloud storage to your device.<\/p>\n<p><strong><b><span>How to Restore:<\/span><\/b><\/strong><\/p>\n<ol>\n<li><span><\/span>On your new or current device, log in to Vision Money with valid and current account information.<\/li>\n<li><span><\/span>Tap the <span>\u2630<\/span><strong><b><span><\/span><\/b><\/strong><span>icon<\/span>\u00a0in the upper-left corner of any page, and then select <strong><b><span>Cloud Backup \/ Restore<\/span><\/b><\/strong>.<\/li>\n<li><span><\/span>You will be prompted to confirm the restoration of data by typing YES in the confirmation dialog.<\/li>\n<li><span><\/span>Your data will be restored to your device from your cloud account.<\/li>\n<li><span><\/span>Vision Money will automatically restart after the restore is complete.<\/li>\n<\/ol>\n<p>\u26a0\ufe0f\u00a0<strong><b><span>Important:<\/span><\/b><\/strong>\u00a0Restoring will replace your existing records with the backed-up version. Make sure this is what you want before proceeding.<\/p>\n<h2 id=we12><strong><b>Best Practices<\/b><\/strong><\/h2>\n<ol>\n<li><span><\/span><span>Back Up Monthly<\/span><\/li>\n<\/ol>\n<p>Set a monthly reminder to manually back up your data. For example, you could back up after each monthly financial review.<\/p>\n<ol start=\"2\">\n<li><span><\/span><span>Restore When Switching Devices<\/span><\/li>\n<\/ol>\n<p>If you get a new phone or tablet, install Vision Money, log in with your account, and use <strong><b><span>Cloud Restore<\/span><\/b><\/strong>\u00a0to carry over all your data instantly.<\/p>\n<ol start=\"3\">\n<li><span><\/span><span>Update Data Before Backing Up<\/span><\/li>\n<\/ol>\n<p>Make sure your data is up to date before performing a backup. This ensures the restored version, if needed, is current and complete.[\/et_pb_blurb][et_pb_divider _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We are excited to have you on board! Vision Money&#8217;s primary purpose is to provide clarity and confidence in your financial planning by allowing you to see how your decisions impact your financial future. This User Guide is designed to help you get the most out of your experience by examining the features and functions [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-4967","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/pages\/4967","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/comments?post=4967"}],"version-history":[{"count":93,"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/pages\/4967\/revisions"}],"predecessor-version":[{"id":6321,"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/pages\/4967\/revisions\/6321"}],"wp:attachment":[{"href":"https:\/\/www.vision.money\/newsite\/wp-json\/wp\/v2\/media?parent=4967"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}