Account basics

Accounts in Commander Finance represent your real-world financial accounts. Each account holds transactions, maintains a running balance, and can participate in your budget. You can create accounts manually or link them to a bank through Plaid for automatic transaction imports.

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Account types

Commander supports two account types for manual creation:

• Depository—checking accounts, savings accounts, and similar deposit-holding accounts. A positive balance represents funds on hand.
• Credit—credit cards and lines of credit. A negative balance represents an outstanding amount owed to the issuer. Credit accounts also track a credit limit, which Commander uses to calculate remaining credit.

An account’s type affects how certain metrics and balances display throughout the app, but both types function identically for transaction tracking and budgeting. Synced accounts imported through Plaid can include additional types based on what your bank reports—loan or investment accounts, for example. Commander’s budgeting features focus on depository and credit accounts.

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Account properties

Each account has the following properties:

• Name—a unique identifier, up to 120 characters. Commander prevents duplicate account names.
• Type—depository or credit, selected at creation.
• Color—a hex color code used to identify the account visually. New accounts open with a random default color, picked to differ from your existing accounts; change it from the color picker or re-roll with the shuffle button.
• Initial value—the starting balance at account creation. Accepts positive, negative, or zero values.
• Include in Budget—controls whether the account’s transactions count toward your active budget. Toggle the checkbox per account from the account modal (when a budget is loaded), or for all accounts at once on the Budget Settings page (More → Settings → Budget). New accounts default to included.
• Credit limit—for credit accounts only, the total credit line available. Commander uses this to calculate remaining credit.

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Manual and synced accounts

Manual accounts require you to enter each transaction by hand. You have full control over what data appears in the account. Synced accounts connect to your bank through Plaid and automatically import transactions and balance updates. You can still manually add or edit transactions in synced accounts. Synced accounts require a Sync subscription. For setup details, see Setting up a new synced account. Both account types appear together in your accounts list and function within the same budget structure.

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Account balances

Each account displays two balance figures:

• Available Balance—reflects all transactions, including pending activity.
• Current Balance—reflects only settled transactions.

For a detailed explanation of how balances work across account types, see Understanding account balances.

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Deleting accounts

Deleting an account removes it from your accounts list and permanently deletes every transaction in it. When the account holds transactions, the confirmation dialog names how many will also be deleted. This action can’t be undone.