Overview
Accounts in Kualia represent your real-world financial accounts. They track balances and hold your transactions.Account Types
Kualia supports a wide range of account types organized into four categories:Banking
| Type | Description |
|---|---|
| Checking | Everyday spending accounts |
| Savings | Savings accounts |
| Cash | Physical cash tracking |
| Cash Management | Cash management accounts |
| Money Market | Money market accounts |
| CD | Certificates of deposit |
Credit
| Type | Description |
|---|---|
| Credit Card | Credit card accounts |
| Line of Credit | Lines of credit |
Investment
| Type | Description |
|---|---|
| Brokerage | Taxable investment accounts |
| 401(k) / 403(b) | Employer retirement accounts |
| IRA / Roth IRA | Individual retirement accounts |
| HSA | Health savings accounts |
| 529 Plan | Education savings |
| SEP IRA / SIMPLE IRA | Self-employment retirement |
Loans
| Type | Description |
|---|---|
| Mortgage | Home loans |
| Auto | Car loans |
| Student | Student loans |
| Home Equity | Home equity loans/lines |
| Business / Commercial | Business loans |
Adding Accounts
Manual Accounts
Create an account by specifying:- Name
- Account type
- Starting balance
Linked Accounts
Connect your bank to automatically create accounts from your bank. Linked accounts sync balances and transactions automatically.Balance Tracking
Each account tracks three balance types:- Current Balance - total balance including all transactions
- Cleared Balance - only cleared and reconciled transactions
- Pending Balance - only pending transactions
Current Balance = Cleared Balance + Pending Balance
Reconciliation
Reconcile your accounts against bank statements to ensure accuracy. When you reconcile:- Compare your Kualia cleared balance to your bank statement
- Mark matching transactions as reconciled
- Create a balance adjustment if there’s a discrepancy
Account Organization
Customize how accounts appear in your sidebar by reordering them within their groups.Closing Accounts
When you close a bank account or pay off a loan, you can mark the account as closed. Closed accounts:- No longer appear in your active accounts list
- Retain all historical transaction data
- Can be reopened if needed