Create accounts

You can quickly create accounts and set budgets:

1. Go to Tracking
2. Tap and choose New budget
3. Give it a name, set a location and style if needed
4. Tap Add
5. Confirm if you want to add all current expenses to that account

Set favorite accounts

If you add most of your expenses to a single account, like a primary credit card or budget, Gem can automatically choose this account for you whenever you create new expenses.

1. Go to Settings > Recording
2. Under Expenses, tap Account
3. Choose an account

Transfers

By default, you can transfer between accounts found in Settings > Accounts. However, if you use multiple organization groups, like "Categories", "Accounts" and "Payment methods", you can tell Gem which group you want to use for transfers:

1. Go to Settings > Recording
2. Scroll down and tap Folders & more
3. Tap Preferred accounts
4. Choose the group

View your balance

Gem can show your total balance across all accounts, or just the balance of a specific account. The balance is calculated by subtracting your expenses from your income since you started using Gem.

1. Go to Tracking, tap on the top-right corner
2. Tap More, then Balance
3. Choose Total balance or a specific account

You can exclude accounts from your balance by:

1. Go to Tracking, and tap the balance card
2. Tap Edit on the top-right corner
3. Enable Filter accounts
4. Tap Accounts and choose only the accounts you like

You can also view your monthly balance by:

1. Go to Tracking, and tap the balance card
2. Tap Edit on the top-right corner
3. Next to Period, tap All time and choose Monthly
4. Tap Update

Set savings goals

Gem can help you save money towards a goal, like purchasing a car or paying your loans.

1. Go to Tracking, tap on the top-right corner
2. Choose New savings goal
3. Give it a name, like "New iPhone"
4. Enter the amount you want to save in Goal
5. Set your style, then tap Add

You can log savings by:

1. Go to Tracking, and tap the savings card
2. Tap on the bottom
3. Enter the details and hit Add

You can update your savings goal by:

1. Go to Tracking, and tap the savings card
2. Tap the gray GOAL box next to "Saved"
3. Enter the new goal, then tap

Track your income

You can set and track your salary and income in Gem.

1. Go to Settings > Income
2. Tap New on the bottom-left corner
3. Enter your salary amount
4. Tap Show more to edit the note or schedule
5. If you receive your salary twice a month, or any other schedule: Tap repeat this monthly and choose a new schedule
6. Tap Add

After setting your income, you can view your recent paychecks under "History" and upcoming paychecks under "Next paycheck".

Gem doesn't have yet a dedicated income view, but for now you can view using the "Monthly savings" view:

1. Go to Tracking, tap on the top-right corner
2. Tap More
3. Choose Monthly savings
4. Choose All accounts to view income across all your accounts, or a specific account
5. In Tracking, under Savings goal, tap the newly added card
6. Check your Income trends card

Advanced account options

When editing accounts, you can set the following:

Location. Move accounts by choosing a new placement.