Glossary

The words CaliMoney uses, in plain terms. Where a figure is calculated, the entry says how — always on your device, from your own data. Tap the ⓘ next to a card on the dashboard or on Net worth to read the short version of an entry without leaving the app.

Account

A place your money sits: a wallet, a current account, a card, a savings pot, a loan, an investment account, a home. Every movement is booked on one account. Until you create a second one, everything goes into Main. See Accounts and transfers.

Adjustment

A movement that changes one account's balance without being income or an expense — what Adjust balance or Update value records when the app's figure and reality differ. Like a transfer, it never counts in your income, expenses or budgets. See How to fix a balance that drifted.

Allocation

How the value of your investments splits across holdings, shown as one bar on Investments. Each share is a holding's value divided by the value of all your holdings, in your display currency. See Investments.

Biometric unlock

Unlocking with Face ID, a fingerprint, Windows Hello or the device PIN instead of your passphrase, on a device where you turned it on. Your passphrase is still the key to everything: this only lets the device hand back the key it already unlocked once. See Biometric unlock.

Budget

A cap you set on spending: for one expense category or for all expenses together, per month or per year. The dashboard shows how much of it you've used, and the app warns you at 80% and 100%. A cap on a category with subcategories covers the subcategories too. See Budgets.

Debt payoff

When a loan — or a credit card you gave an interest rate — reaches zero if what you owe keeps shrinking at the pace of the last 3 months. The pace is the net change of the balance, so new spending on a card slows it down. With an annual interest rate on the account, CaliMoney also estimates the interest that builds up before then. See Debt payoff.

Estimated value

What a home or a business stake is worth by your own estimate, with the day it refers to. It changes only when you tap Update value; after 12 months the app marks it as old. See Your home and other things you own.

Exchange rate

How much one currency is worth in another. CaliMoney uses the European Central Bank's latest daily rates to add up accounts held in different currencies; totals that rely on them are marked ≈. See Accounts in another currency.

Forecast

Where your balance lands if nothing changes. It adds what you've recorded, the recurring and planned items still due, and an estimate of the rest of your spending and income — based on your pace so far and the median of your last 3 months. The further ahead it looks, the wider its range. See Cash-flow forecast.

Gain or loss

For a holding: its value today minus what you paid for the units you still hold, in money and as a percentage. It is unrealised — nothing is sold until you record a sale.

Hidden mode

Masks every amount on screen (the eye icon in the header), so you can open the app in public. Charts keep their shape but lose anything that would give an amount or its direction away. See Hidden mode.

Holding

A stock, fund, bond or coin inside an investment account: its name or ticker, how many units you hold, what they cost and their latest price, which you enter by hand. See Investments.

Liquid

Money you can spend soon: cash, bank, savings and investments. A home or a business stake is illiquid — it counts in your net worth but can't pay for groceries. Liquid only on Net worth leaves the illiquid ones out.

Net balance

A month's income minus its expenses. Positive means you spent less than came in. Investments and transfers don't change it. See Net balance.

Net worth

Everything your accounts hold minus what you owe on cards and loans. Each account counts from its opening balance plus its movements up to today; transfers between your accounts move money around and never change it. See Net worth.

Opening balance

What an account held on the day you started tracking it (As of). Movements dated before that day are already inside it; later ones are added to it.

Passphrase

The phrase that unlocks your data when end-to-end encryption is on. Your encryption key is derived from it on your device and never leaves it — so if you forget the passphrase, nobody can recover your encrypted data. See Privacy & Encryption.

Planned expense

A one-off you know is coming — a car service, a holiday — entered ahead with its date. It counts in the forecast until its day, then becomes a normal movement. See Plan a future expense.

Recurring movement

A movement that repeats — rent, a salary, a subscription. The app adds it for you on each due date and counts the ones still due in the forecast. See Recurring movements.

Savings goal

A target balance for one account, optionally by a date. Progress is the account's balance today; the pace is how much that balance changed per month over the last 3 months, so it counts every movement on the account, not only savings. With a date, CaliMoney says how much a month you'd need to put aside to make it. See Savings goals.

Snapshot

A copy of your data that the app keeps on your device once a week (the last four), so you can bring back movements you deleted by mistake. It never leaves the device. See Recover deleted movements.

Spending pace

What you've spent so far this month against a typical month at the same point. The typical month is your monthly total budget if you set one, otherwise the median of your last 3 months. Ahead of pace means that, at this rate, the month ends more than 5% above it; the daily figure is what you can still spend per day to stay within it.

Subcategory

A category filed under another one — Groceries under Food. Its spending counts on its own and inside its parent's total. See Subcategories.

Tag

A label you add to movements that belong to the same occasion — a trip, a project, an event — whatever their category. A movement can have several. See Tags.

Transfer

Money moving between two of your own accounts — cash withdrawn from the bank, a card paid off. It is neither income nor an expense, so it never changes your net balance or net worth. See How to record a transfer.

Year over year

This month next to the same month a year earlier, for income, expenses and savings. It holds up against seasonal spending, where comparing December with November says little. The card appears once that month last year has movements. See Year-over-year comparison.