Accounts: bank, wallet, cash, card

What it is

Accounts in Lipi are the places your money lives: a bank account, a wallet like eSewa or Khalti, a cash pocket, an investment account or a credit card. Every transaction you record belongs to one account. This gives you a live balance for each account and one total across all of them, like a simple bank account tracker you control yourself.

What problem it solves

Most people spread money across a few banks, a wallet and cash. Looking at each app one by one never gives a total. Accounts put it all in one list. You see what is in each place, what the sum is today, and how each balance moved over the last 90 days. A credit card shows as a negative balance, so what you owe is not hidden.

How it works

1. Open Accounts and tap Add account.
2. Enter a Name (for example Nabil Savings or eSewa), pick the Type (Bank, Wallet, Cash, Investment or Credit card) and the Currency. Type a code or a name, like USD or dollar.
3. Enter the Opening balance: what is in the account today. Set the Opening date, pick a Colour and, if you want, an Alert below amount for low-balance warnings. Tap Save.
4. Add transactions as usual. The balance updates by itself: opening balance, plus income, minus expenses, plus or minus transfers.
5. Open an account to see its Current balance, a 90-day balance trend and the History with a running balance on every row. In Defaults you can choose which account is pre-selected for new expenses (Spending default) and new income (Earning default).

Details and rules

• Account types: Bank, Wallet, Cash, Investment, Credit card.
• Plan: Free allows 2 accounts. Premium allows unlimited accounts.
• If a free user has more than 2 accounts, the oldest 2 stay normal. The rest are locked and read-only. Archive or delete accounts to get under the limit. Nothing is removed automatically.
• Archive hides an account from pickers and keeps its history. Restore brings it back. Delete removes the account and all its transactions, after a confirmation.
• Each account has one currency. With more than one currency, the page shows tabs per currency and a switch between Show total and Separate. See multiple accounts and currencies.
• The total row says Across all accounts and states that it is converted at today’s market rate. Amounts that cannot be converted yet are listed as left out.
• A credit card with a debt shows a negative balance in red.
• Low-balance alerts arrive as notifications. The check runs daily at 7:30, Nepal time.
• Accounts work offline in the installed app. Changes sync when you are back online.
• Accounts shared with you by someone else show a Shared by label. See shared accounts.

Works with

• Multiple accounts and currencies
• Transfers between accounts
• Shared accounts
• Budgets
• Accounts widget

Ask an AI assistant

Connect Lipi to ChatGPT or Claude and ask: “What is the balance in each of my accounts?” or “Show my Nabil Savings balance trend for the last 90 days.” The assistant uses list_accounts, get_account and get_account_balance_trend. It can also create or change accounts with create_account, update_account and delete_account, and it should ask you first before deleting.