Questions about Rasa Money
Accounts, transactions, budgets, currencies, plans, and how to get help.
Getting Started
What is Rasa Money?
Rasa Money is a multi-currency personal finance app that helps you track accounts, spending, budgets, and debts across any number of currencies. Every transaction locks in the real exchange rate at the moment it happens, so your history stays accurate even if rates move later or you change your base currency.
Is Rasa Money a bank, or does it hold my money?
No. Rasa Money is a personal finance manager. It tracks accounts, budgets, recurring payments, and debts. It does not hold, transfer, or invest your money, and it is not a bank, broker, or financial advisor. Every balance in the app is a record you maintain. Nothing is synced from a bank. The only real money that moves between you and Rasa Corp is your subscription payment, if you choose Pro. We cannot pay a bill, move a balance, or freeze a card, because we never have a path to do those things. That limit is what makes the no-bank-login design possible. You can export your data on Pro, reset a workspace, or delete the account, and those actions are password-gated because they affect your records, not because we sit inside your bank. If you need an app that moves money or holds a balance, this is the wrong product, and we would rather say that here than in a footnote.
How do I get started?
After you sign up and verify your email, you'll see a short welcome walkthrough, then a choice: add your first real account, or import sample demo data to explore the app first. From there, an onboarding checklist in the bottom-right corner walks you through eight setup steps — accounts, categories, settings, budgets, transactions, recurring payments, and debts.
Can I explore Rasa Money with sample data before entering my own?
Yes. If your workspace is completely empty (no accounts, categories, budgets, transactions, or debts), you can import demo data — sample accounts, categories, budgets, and transaction history — to see how everything works. This puts you in "test mode," shown by a banner at the top of the app.
How do I move from test mode to using my real finances?
Use the Switch to live mode button in the test-mode banner. This clears all demo data and anything else you entered while in test mode, so review Settings and export anything you want to keep first. Your profile, sign-in, and app settings (timezone, currency, locale, etc.) are not affected.
What does the onboarding checklist track?
Eight steps: creating an account, adding expense categories, adding income categories, reviewing app settings, defining a budget, adding a transaction, adding a recurring transaction, and adding a debt. Each step unlocks only after the one before it is complete, and the checklist can be hidden at any time from its own panel.
Accounts
What types of accounts can I add?
Bank Account, Credit Card, Crypto Wallet, Investment, and Cash. Each has its own icon and default color.
Can Rasa Money connect directly to my bank?
No. Rasa Money never connects to your bank, and it never asks for a bank login. You create each account yourself. You record transactions by typing them, or by importing a CSV or XLSX file you already downloaded from your bank. Balances are calculated from those records, not pulled live from an institution. That is the design, not a missing feature. An open-banking connection looks convenient until you change country, change bank, or the aggregator drops the institution you actually use. It also puts a third party, and then us, in the path of a credential that can move money. There is no link-account step and no vault of bank passwords to protect, leak, or hand over. If automatic feeds are a requirement for you, a bank-sync app may be a better fit, and the comparison pages say so plainly. If you want a ledger that stays accurate across currencies without handing over a bank login, you import or you type, and the history stays yours.
What's the difference between current, available, and initial balance?
Initial balance is the opening amount you declared when creating the account. Current balance reflects only settled (completed) transactions. Available balance includes settled transactions plus anything still pending — so it's "what you've committed," while current is "what has cleared."
Can I change an account's currency after creating it?
Only if the account has no transactions yet. Once even one transaction exists, the currency locks permanently — this is the single most common account issue, so fix it early if you picked the wrong currency.
How do I set a default account?
Toggle Default Account on in the account form. Turning it on for one account automatically turns it off for every other one. Your very first account is always made the default automatically, and the default account can't be deleted or deactivated.
Can I delete an account?
Only if it isn't the default account and isn't used in any budget. If it has transactions, deletion is blocked entirely — deactivating it is usually the better option, since it hides the account from pickers while preserving its history (though it still counts toward your plan's account limit).
How do I see my full card number?
Only the last four digits are ever shown by default. Open the account for editing and click Reveal full card number, then confirm with your account password. The full number is never saved in your browser and disappears the moment you close the drawer.
Why is my "Create account" button disabled?
You've likely hit your plan's account limit or distinct-currency limit. The Basic plan allows 2 accounts and 1 currency; Pro is unlimited on both.
Transactions
What types of transactions can I record?
Expense (money leaving an account), Income (money arriving), and Transfer (money moving between two of your own accounts). Transfers don't get a category, since moving your own money isn't spending.
What do the transaction statuses mean?
Completed (settled), Pending (awaiting your confirmation, in the Cartable), Scheduled (a future occurrence not yet due), Failed, Canceled, and Refund (a linked reversal). Only completed and refund transactions count toward budgets by default.
How do refunds work?
A refund is a separate, linked transaction — not an edit to the original. The original stays completed and visible; the refund reverses its effect on your balance. Only completed transactions can be refunded, and each transaction can only be refunded once.
Can I edit a transaction after saving it?
Yes, with one exception: the transaction type (expense/income/transfer) is locked once created. If you entered the wrong type, delete it and re-enter it correctly.
How are transactions matched to budgets?
Automatically. When you save an expense, Rasa Money checks your active budgets for one whose accounts, categories, and dates match, and assigns it — you never pick a budget by hand. Each transaction belongs to exactly one budget.
Why does my transaction's currency have to match my account?
The transaction currency is always taken from the account you're recording it against — you don't choose it separately. If you need to record a foreign-currency charge, use a cross-currency transfer or a recurring subscription billed in another currency, both of which handle the conversion for you.
Can I record a transaction in the future?
Yes — future-dated transactions are allowed and appear in forecasts, but they don't affect your balance until the date arrives. If it involves an exchange rate, today's rate is used as an estimate and automatically corrected once the real date's rate is known.
Recurring Transactions
ProWhat are recurring transactions?
Templates for anything that repeats on a schedule — a subscription, rent, salary. Rasa Money generates a real transaction ("occurrence") from the template automatically on each cycle.
Why can't I find my subscription in the transaction list?
The recurring template itself is not a transaction and never appears in the Transactions list — you'll find it on the dedicated Recurring Transactions page. Only the individual payments it generates show up in your regular ledger.
Can I pause a recurring subscription without deleting it?
Yes. Deactivating a series stops new payments from being generated but leaves everything already created untouched. You can reactivate it any time (as long as your plan still allows recurring transactions).
What happens if my subscription is billed in a different currency than my account?
Turn on Billed in another currency on the template and enter the billing currency and amount. Each payment converts that amount into your account's currency using the rate on its own date; if the date is in the future, today's rate is used as an estimate and corrected automatically once the date arrives.
Can I edit just one payment without changing the whole series?
Yes. Editing a single occurrence lets you change its amount, commission, or note — useful when your bank charged a slightly different amount — without touching the template. To change the category, accounts, or schedule, edit the series template itself, which affects future (not completed) payments only.
Importing Transactions
ProWhat file types can I import?
CSV or Excel (.xlsx, .xls), up to 5 MB. The wizard previews up to 200 rows at a time, though up to 5,000 can be confirmed in one import.
Can Rasa Money detect categories automatically?
Yes, using an optional AI toggle during import. It suggests a category per row from a text column you choose (like the description or memo), but the suggestions aren't always accurate — you'll review and can correct them before anything is created.
Why did my entire import fail even though most rows looked fine?
Imports are all-or-nothing: every row is validated against the same rules as a manually entered transaction, and if even one selected row fails, nothing is created. Check the valid/invalid counters on the review screen before importing.
Can I import a statement covering more than one account?
Not in a single import — one import maps to one account. A statement covering several accounts needs separate imports, or manual per-row account changes on the review screen.
Can I set my account's opening balance from an imported statement?
Yes, but only once: this option only appears for an account with a balance of exactly zero and no existing transactions. You can supply a known opening or ending balance, or read it from a running-balance column in your file.
Can imports create recurring subscriptions?
No — every imported row is a one-time transaction. Rasa AI can still flag likely recurring rows during import for your awareness, but creating an actual recurring series always has to be done manually afterward.
Budgets
How do budgets work?
A budget sets a spending limit over a period, scoped to specific accounts and categories. Only expenses count — income and transfers never do.
What counts as spending against my budget?
An expense counts when it's dated inside the period, uses an account and category in the budget's scope, and is completed (or a refund, which subtracts). Pending and scheduled expenses don't count unless you enable "Include incomplete transactions" in the filter — and even then, budget alert emails always use completed spending only.
Can two budgets overlap?
Not if they share the same accounts, categories, and dates — Rasa Money blocks that, regardless of currency. Two budgets over different accounts or categories, or over different date ranges, can coexist freely.
What happens if I go over budget?
You'll get a notification (in-app and by email) once you hit 80% of your limit, and another when you exceed 100%. Each alert only fires once per budget per period, so dropping back under and rising again won't re-trigger it.
Can I change a budget's limit after I've started spending?
No — once any transaction is attached to a budget, its limit locks to protect your history. You can still rename it, recolor it, add categories, or change its timezone; to change the limit, you'll need to create a new budget.
How do recurring budgets work?
A recurring budget is a template plus a series of numbered period instances, each of which holds its own transactions. New periods are created automatically as each one ends; they always start empty and don't retroactively claim past matching transactions the way a manually created budget does.
Should I pause or delete a budget I no longer need?
Pause it. Pausing stops new transactions from being assigned but keeps everything already tracked; resuming can optionally catch up on transactions that happened while paused. Deleting removes the budget from your lists but doesn't delete its transactions — they just lose the budget link.
Debts
What kinds of debt can I track?
Loans, installment plans, credit card installments, personal debts (money owed to a friend, for example), or "Other." The type is descriptive only and doesn't change how the debt behaves.
What's the difference between a linked and a tracking-only debt?
A linked debt is tied to one of your accounts: its payments create real transactions and affect your balance. A tracking-only debt (no account linked) just tracks progress — nothing appears in your transaction list and your balances aren't touched.
Does Rasa Money calculate my loan's interest and amortization?
No. You enter the total amount you'll repay (or principal plus interest/fees to compute it), and that total is simply divided equally across your installments. Any interest rate you enter is shown for information only — it does not change the payment amounts.
Can I pay off a debt early?
Yes, with the Payoff action (Pro plans). It settles the remaining balance in one transaction, marks the first remaining installment paid, and cancels the rest — you can also apply a discount/adjustment if you settled for less than the full remaining balance.
What happens if I miss an installment?
It's flagged Overdue. If you have several overdue installments across your debts, you'll get one daily summary email rather than a separate notification for each. Nothing else happens automatically — recording the payment is up to you unless auto-complete is turned on.
Should I "assign a transaction" to a debt or "mark it paid" — what's the difference?
Use one or the other for each real payment, never both. Assigning an existing expense to a debt reduces the remaining balance but doesn't settle a specific installment row. Marking an installment paid settles that row. Doing both for the same payment will double-count it.
Can debt payments happen automatically?
If a debt is linked to an account and Auto-complete payments is on (Pro only), a completed expense transaction is created automatically when each installment comes due. Without auto-complete, a pending transaction is created and waits for your confirmation in the Cartable.
Settlements
What is a settlement, and how is it different from a debt?
A settlement is a running balance you keep with a person or company — money owed either way — until it's even or hits a target you set. Unlike a debt, there's no installment schedule: you just assign income and expense transactions and the balance updates itself. A settlement also accepts transactions in any currency, converting each one into the settlement's currency; a debt requires the transaction currency to match the debt's currency exactly.
How does a settlement's balance move?
Only completed income and expense transactions you've assigned move the current balance — pending or scheduled ones don't count until they complete. Income increases the balance, expense decreases it. A positive current balance means you owe the counterparty; negative means they owe you.
Does a settlement close itself automatically?
Yes. When the current balance lands within one minor unit of your target (for example $0.01), the settlement marks itself settled. If a later edit or assignment moves the balance away from the target again, it quietly reopens. You can also force Mark settled at any time, even if the balance hasn't quite reached the target.
Can I have a settlement and a debt for the same expense?
Yes. Settlement and debt links are independent, so the same transaction can count toward both if that's genuinely how the money works — say, a shared expense that's also part of a larger loan.
What happens to transactions if I delete a settlement?
They keep their own record as ordinary transactions. Deleting a settlement only clears the assignment link — it never touches the transactions themselves, and the plan quota it used frees up immediately.
Can transactions in any currency count toward a settlement?
Yes. Each assigned transaction converts into the settlement's own currency using the exchange rate on its transaction date, so you can track a running balance in one currency even when the underlying payments happened in several. Changing a settlement's currency later doesn't convert the target number — 50 stays 50, just in the new currency — so you may want to update it yourself afterward.
Multi-Currency & Exchange Rates
How does multi-currency tracking work?
Each account keeps the currency you chose when you created it. A euro account stays in euros. A dollar account stays in dollars. Amounts you enter stay in that original currency. For a dashboard total, a report, or a comparison, Rasa Money converts into the base currency you chose, using the rate that belonged to the transaction date. Past dates use the mid-market rate stored for that day, and that stored rate does not change later. Today's rate refreshes from one central provider. It is not your bank's rate. Future-dated cross-currency transfers, and foreign-currency subscription payments, start as an estimate at today's rate. When the date arrives, the real rate is applied, the balance is corrected by the difference, and you are notified if the amount moved. Basic allows one currency. Pro is what removes that limit, which is when multi-currency budgets and debts are actually usable. If every account uses the same currency, there is nothing to convert, and the base currency locks to that currency.
What exchange rates does Rasa Money use?
Mid-market rates from a single central provider — not your bank's rates, and not rates unique to you. Past dates use the rate stored for that exact day and never change; today's rate refreshes periodically.
Why did a converted amount on a future-dated transaction change later?
Future-dated cross-currency transfers and foreign-currency subscription payments are priced using today's rate as an estimate. Once the actual date arrives, an automated job applies the real rate, corrects your account balance by the difference, and notifies you if the amount changed.
Can I change my base currency?
Only on the Pro plan, and only if you hold accounts in more than one currency. If all your accounts use the same currency, your base currency is automatically locked to that currency, since there's nothing to convert.
Why is my "Amount Display Mode" setting locked?
Either you're on the Basic plan (which locks it), or all your accounts share one currency, in which case display is fixed to showing original amounts since converting would be meaningless.
Why does the Iranian Rial (IRR) behave differently from other currencies?
IRR uses a live market-rate feed for today's rate, frozen each night, in addition to the standard global rate used for historical dates. Rates before August 1, 2026 come only from the global rate and may differ noticeably from market rate sources.
Categories
How are categories organized?
In two levels: category groups (like "Food & Drink") and subcategories underneath them (like "Groceries" or "Restaurants"). Only subcategories can actually be attached to a transaction — groups exist purely to organize and roll up.
Can I set a custom color or icon for each category?
Groups own the color — every subcategory inherits its parent group's color automatically, and this can't be overridden per subcategory. Subcategories own the icon; groups don't have one. Both are visual choices to make a group and its children read as one family.
Should I archive or delete a category I don't use anymore?
Archive it, almost always. Archiving keeps it linked to its historical transactions and can be undone; deleting is permanent and is blocked entirely if the category (or any of its subcategories) has any transactions or budget links.
Can I quickly set up categories without creating them one by one?
Yes — use Use predefined categories on the Categories page for a ready-made set of income and expense categories. This only works if you have no categories at all yet; it's a first-run shortcut, not something you can top up later.
Why can't I create a third level of categories?
The category tree is exactly two levels deep by design — a category with children can't become a child itself, and vice versa. This keeps reporting and budgeting consistent.
Dashboard & Cartable
What is the Cartable?
Your action inbox — a single place listing everything waiting for a decision, most notably pending transactions generated by recurring subscriptions or debt installments. Confirming an item there marks it complete and updates your balance.
Why is my dashboard missing some widgets?
Several widgets — spending and usage insights, budget widgets, and transaction activity — are only available on the Pro plan. The Basic plan still shows your accounts, recent transactions, currency exchange calculator, debts, and recurring payments.
What does "Net Worth" show on the dashboard?
The total value of all your active accounts, converted into your base currency at today's rates. Inactive (deactivated) accounts are excluded from this figure even though they still hold a balance.
Why isn't a pending transaction showing up in my balance yet?
Pending transactions do affect your available balance immediately but not your current balance until you confirm them (in the Cartable or by changing their status) or they're automatically completed.
Rasa AI
ProWhat can Rasa AI do?
Rasa AI is a chat assistant grounded in your own Rasa Money data. You can ask what you spent, how a budget is doing, or what a feature does. You can ask ordinary personal-finance questions. You can also ask it to draft transactions, including recurring ones, plus accounts, categories, budgets, and debts. It does not save those records on its own. It shows a confirmation card that states exactly what it is about to create, and nothing is written until you press Confirm. An unconfirmed card expires after an hour. It will not discuss topics outside your data, the product, and personal finance. Questions about entertainment, coding, or unrelated trivia get a short redirect rather than an answer. Rasa AI is a Pro feature. It cannot see a bank it was never connected to, and it cannot move money. It reads the ledger you built and, when you confirm, it can add to that ledger.
Can Rasa AI actually create transactions, budgets, or accounts for me?
Yes — for transactions (including recurring ones), accounts, categories, budgets, and debts. It always shows a confirmation card summarizing exactly what it's about to create, and nothing is saved until you press Confirm. The card expires after an hour if left unconfirmed.
What can't I ask Rasa AI about?
It only discusses your Rasa Money data, how to use the product, and personal finance topics generally. Questions about anything else — entertainment, general coding help, unrelated trivia — get a short redirect back to those topics rather than an answer.
Notifications
How will Rasa Money notify me about things?
Through two channels: an in-app bell (for things you should see the next time you're in the app) and email (for things that matter whether or not you open the app). Which channel an event uses is fixed per event type.
Can I turn off notification emails?
Not currently — there's no per-user channel preference. Some events are email-only (like billing receipts), some are in-app only (like automatic status changes), and most send both.
Why wasn't I warned before a subscription charge or trial ending?
Rasa Money currently only sends notifications after something happens — a successful or failed payment, a renewal, a cancellation — not in advance of one. There is no trial-ending or upcoming-renewal reminder today.
Where do I see payment receipts?
Billing notifications (payment success/failure, renewals, cancellations) are sent by email only and never appear in the in-app bell — check Settings → Payments for your full billing history inside the app.
Plans & Billing
What's the difference between Basic and Pro?
Basic is free so you can explore the product. It allows 2 accounts, 1 currency, 10 transactions in total and 3 per day, 2 budgets, 10 categories, and 1 debt. Recurring transactions, file import, Rasa AI, advanced dashboard widgets, advanced debt actions, and data export are not on Basic. Pro removes those limits and unlocks them. Pro includes a 7-day trial on monthly and annual billing. The trial is once per account. If you have already used it, subscribing again does not start a second one. Upgrades apply immediately. Downgrading to Basic is scheduled for the end of the current billing period, so you keep Pro until then and are not charged again after that. Downgrading does not delete history. If you are over a Basic limit, existing records stay. You just cannot create new ones until you are back under the limit or you upgrade. Live numbers are on the pricing page.
Do you offer a free trial of Pro?
Yes — Pro plans currently include a 7-day free trial on both monthly and annual billing. Trials are tracked per account, so once you've used one, resubscribing later won't grant a second trial.
How do I upgrade or downgrade my plan?
From Settings → Subscription. Upgrades take effect immediately. Downgrading to the free plan is scheduled for the end of your current billing period — you keep Pro access until then and won't be charged again afterward.
What happens to my data if I downgrade to Basic?
Nothing is deleted. If you're over a Basic-plan limit (say, you have 5 accounts), your existing records stay exactly as they are — you just can't create new ones until you're back under the limit or upgrade again.
How do I cancel my subscription?
Cancelling and downgrading to the free plan are the same action in Rasa Money — use Downgrade to Free in Settings → Subscription. You can change your mind and keep your plan at any point before the scheduled downgrade date.
Will I lose access to the app entirely if I cancel?
No. Every account always has an active subscription of some kind — cancelling a paid plan simply moves you to the free Basic plan rather than locking you out.
Account, Security & Privacy
Is my financial data safe?
Rasa Money never connects to or moves real money on your behalf — it's a tracking tool, and card numbers you store are encrypted and never shown in full without a password confirmation. Sensitive actions (exporting data, deleting your account, resetting your data, revealing a full card number) always require you to re-enter your password.
Can I export my data?
Yes, on the Pro plan, from Settings → Privacy. You'll get a ZIP file containing your profile, accounts, budgets, categories, and transactions, delivered through a link that expires within 30 minutes and can only be used once.
How do I delete my account?
Settings → Danger Zone → Delete Profile. This is a three-step, password-confirmed process that ends with typing "DELETE" to confirm. It revokes your access immediately and frees your email address for reuse; some data may be retained on our servers for legal or operational reasons but is not accessible under your account again.
Can I sign in with Google instead of a password?
Yes. Signing up or logging in with Google verifies your email automatically, with no separate code needed. Note that Google-only accounts get a random placeholder password, so you'll need to go through password recovery once before you can do anything requiring a password (like exporting data or deleting your account).
Do you support two-factor authentication?
Not yet — a 2FA feature exists in development but is not currently available to users.
Getting Help
How do I contact support?
Use the live chat widget available on the website and inside the app. If you're signed in, your chat is automatically linked to your real account so our team can see your plan and details without you having to repeat them.
Where do I send feedback or report a bug?
Use the Send feedback button available at the top of every page in the app. It's a quick way to share a bug, a suggestion, or a general thought directly with the team.