> ## Documentation Index
> Fetch the complete documentation index at: https://docs.kualia.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounts

> Manage all your financial accounts in one place

## Overview

Accounts in Kualia represent your real-world financial accounts. They track balances and hold your transactions.

{/* <img src="/images/accounts-overview.png" alt="Accounts Overview" /> */}

## 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](/features/bank-connections) to automatically create accounts from your bank. Linked accounts sync balances and transactions automatically.

{/* <img src="/images/accounts-add.png" alt="Add Account" /> */}

## 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:

1. Compare your Kualia cleared balance to your bank statement
2. Mark matching transactions as reconciled
3. Create a balance adjustment if there's a discrepancy

{/* <img src="/images/accounts-reconcile.png" alt="Reconciliation" /> */}

## 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