Understanding Your Budget

What is the Budget in Dialcash?

The budget in Dialcash represents an overview of your available money. It’s not a magic calculation or a prediction: it’s the direct result of your accounts and transactions.

If the budget doesn’t look correct, the cause is almost always:

How your accounts are configured
Or how you recorded your transactions

How Your Budget is Calculated

Dialcash doesn’t sum everything you have, it only considers certain accounts.

The budget is calculated from:

The current balance of your main accounts
The expenses and income recorded in them

👉 Accounts that are NOT main accounts do not affect the general budget

What are Main Accounts?

A main account is an account that represents money available for your day-to-day.

Common examples:

Cash
Main bank account
Digital wallet

When an account is marked as main:

Its balance is added to the budget
Its transactions affect the total shown on the main screen

Which Accounts Should NOT be Main?

Not all money should be counted as available.

Examples of accounts that normally should not be main:

Long-term savings
Reserved funds
Money set aside for a specific goal

These accounts exist to better organize your money, but not to inflate your daily budget.

How Transactions Affect the Budget

Each transaction recorded in a main account:

💸 Expense → reduces the budget
💰 Income → increases the budget

If the transaction is recorded in a non-main account:

The general budget doesn’t change
Only that account’s balance is updated

This allows you to keep track without mixing objectives.

Transfers Between Accounts and Budget

Moving money between accounts doesn’t create or destroy money.

When you transfer money:

One account’s balance goes down
Another’s goes up
The total budget only changes if one of the accounts is main

This is normal and expected.

Common Mistakes When Interpreting the Budget

❌ “My budget doesn’t match my real money”

Check:

Which accounts are marked as main
If you recorded income as expenses (or vice versa)

❌ “My budget went up for no reason”

Probably:

You marked an account as main
Or you recorded an income without noticing

❌ “My savings appear as available money”

Solution:

Unmark that account as main

Best Practices for a Reliable Budget

Use main accounts only for actually available money
Record income and expenses in the correct account
Review your budget frequently
Adjust account settings if your situation changes

A good budget isn’t perfect, it’s useful.

Summary

The budget in Dialcash:

Depends on your main accounts
Changes with each relevant transaction
Reflects your available money, not all your money

Understanding this will allow you to use the app confidently and avoid confusion.

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