How to start
Steps 1–3 are enough when you have no partner platform. Use step 5 only when someone else’s money sits in a wallet you spend from.
Add each bank, phone payment, and cash account you use on Wallets.
Mark savings as set aside. Mark money you have received but not withdrawn as not in hand. Both stay in net worth. Neither is spendable today.
Enter them on Transactions. The wallet balance follows.
On Platforms, mark it Owned. Its profit is yours. Leave the held fund empty.
On an External platform, enter the amount already counted and the date it is counted through. Later income and expense on a spend-today wallet move that fund. A wallet marked not in hand does not. With no date, the amount stays as you typed it.
On Overview, net worth is what you own minus what you owe. Spendable cash is wallets you use today, minus a held fund only when you entered one.