Accounts are the containers your money lives in. Every balance in Wealth Mutant is computed, not typed: opening balance plus every transaction since. That's what makes the numbers trustworthy — and auditable.
Creating an account
Go to Accounts and add one
The add button lives at the top of the Accounts screen.
Pick the type
Bank, cash, credit card, loan, investment, and more. Credit cards and loans carry extra settings (statement/due days, interest) covered in their own guides.
Enter the opening balance
What the account holds right now — copy it straight from your banking app.
The opening balance is recorded as a special entry, dated today, that anchors all future math. It isn't income — it never appears in your spending or earning totals. (Migrating history from another app is different: the template workbook lets each account carry its true opening date, so your past months line up.)
Keeping a balance honest
Because balances are computed, they should match your bank to the last unit. When you want to check:
Open the account and choose Verify balance
The scales icon in the account header.
Type the number your bank shows
Straight from your banking app, decimals included.
Match — or fix
If it matches, you're done, to the exact decimal. If it doesn't, Wealth Mutant shows the difference and offers two fixes: Catch-up from a statement (find the missing entries) or a one-tap balance adjustment (record the delta and move on).
Archiving
Closed a bank account or paid off a card? Archive it. Archived accounts keep their full history — every report stays correct — but disappear from pickers and daily views.