Pledger.io documentation
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4.3.1
2025-04-20

How to manage your accounts

In Pledger.io you can manage your accounts by creating, editing, and reconciling them.

The following separate type of accounts are available:

  • Asset accounts, split in

    • Banking accounts (including credit cards)

    • Savings accounts

  • Liability accounts

  • Debtor accounts

  • Creditor accounts

For a quick guide to help you with getting started with your first account setup see 'Creating your first account and transactions'.

Managing accounts

You can list all the regular accounts by clicking on the Checking accounts option in the sidebar navigation. This will open the account overview page with all the accounts that you have.

Account overview
Figure 1. The account overview page

Adding new accounts

Creating or editing accounts can be done by either clicking the Add account button in the top of the overview page or by clicking the square edit icon in the context menu. You will be presented a form which allows you to enter all the account information.

asset create
Figure 2. The account form

On this form the following fields are mandatory:

  • Name, enter a descriptive name for the account

  • Currency, select one of the available currencies

  • Type, the type of account you wish

Reconciling accounts

Account reconciliation can be used to correct any missing funds or transactions in Pledger.io. You can do this using a yearly bank statement you receive from your bank. Pledger.io will then add a transaction correction to match the years end balance with your bank statement.

You start an account reconciliation by clicking the check icon in the context menu of the account you wish to reconcile. This will open a reconciliation form.

asset reconcile
Figure 3. The account reconciliation form

In this form enter the year you wish to perform the reconciliation for as well as the opening and closing balance as indicated by your bank statement. Once you Save the reconciliation Personal Ledger will compare the opening and closing balance.

If the accounts closing balance is off then Pledger.io will automatically create a new transaction with the difference between the bank statement, and the recorded balance. If the opening balance differs then Pledger.io will not complete the reconciliation. The previous year should be reconciled before you can continue.

Correcting opening balance

When account reconciliation fails due to a mismatch in opening balances you will be presented with the reconciliation overview. This is displayed on the Checking accounts overview page below the list of accounts.

asset reconcile overview
Figure 4. Overview of account reconciliations

You can now either correct the opening balance manually. By creating a new transaction with the difference, or start an account reconciliation for the previous year by clicking the hammer icon. Once the previous year is reconciled Pledger.io will automatically resume the incomplete account reconciliation as well.

If you have chosen to enter a manual correction then you can click the redo icon to retry the account reconciliation.

Next up: Working with budgets

2024-08-16

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