Five account types
Bank, credit card, crypto wallet, investment and cash, each with its own icon and colour so your accounts read at a glance. Give any account a custom colour, description and last four card digits.
Accounts & Balances
Keep every account you own in one place — bank, credit card, crypto wallet, investment and cash. Each account holds one currency, and every balance is calculated from the transactions you record.
All your accounts, one clear picture
An account is a container for money: a checking account, a wallet of cash, a credit card, a crypto wallet or an investment holding. You create each one, set its opening balance and pick its currency. Rasa Money doesn't connect to your bank, so there are no credentials to hand over and no sync to break.
Three rules keep the numbers trustworthy. One account holds one currency. Balances are derived from transactions, never typed over. And exactly one account is your default, preselected wherever you record money moving.
In practice
Balances that explain themselves
When they differ, each account shows two figures: current balance for money that has cleared, and available balance for money you have already committed. A pending expense lowers available straight away and current once you confirm it.
Card numbers are encrypted at rest and only the last four digits appear in lists. Closed a bank account? Deactivate it to hide it from pickers while its history stays in your reports.
Balances you can trust
A balance change is written in the same database operation as the transaction behind it, so a balance and its ledger row can never drift apart. Credit cards can go negative, because that is how they work.
Clear plan limits
Basic explores within caps on accounts and currencies. Pro removes both. Downgrading never deletes an account or its history.
Current vs available balance
The status of a transaction decides which balance it touches.
| Transaction status | Available balance | Current balance |
|---|---|---|
| Completed | Yes | Yes |
| Pending | Yes | No |
| Refund | Yes (reversed) | Yes (reversed) |
| Scheduled | No | No |
| Failed or canceled | No | No |
Set up an account in a minute
- Choose the type: bank, credit card, crypto wallet, investment or cash.
- Name it and pick its currency — the currency locks once you record a transaction.
- Enter the opening balance.
- Add a colour, description or the last four card digits if you like.
- Mark it as default if it is the one you use most.
Picked the wrong currency?
You can change an account's currency until its first transaction. After that, create a new account so your history stays accurate.
FAQ
Does Rasa Money connect to my bank?
No. You create accounts and record or import transactions yourself, so Rasa Money never holds your bank credentials.
What is the difference between current and available balance?
Current balance is money that has cleared. Available balance also includes pending items you have already committed. They match once everything is confirmed.
Can an account balance go negative?
Yes. Rasa Money does not block overdrafts, because credit cards and overdrawn accounts are real and should be recorded as they are.
How do I stop using an account without losing its history?
Deactivate it. It disappears from pickers while its transactions stay in your reports. Inactive accounts still count toward your plan's account cap.
More features
Budgets
Smart Budget Engine
Learn more →Recurring
Recurring Transactions
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