Money App Guide

Master personal finance with Money by Remind Tools

Money by Remind Tools User Guide

Your intelligent personal finance manager with AI-powered insights.

Getting Started

1. Account Setup

   Add your financial accounts and set currency

2. Categories

   Customize expense and income categories

3. First Transaction

   Log your first expense or income

4. Create Budget

   Set up your first monthly budget

Core Features

Account Management

Account Types

• Bank Accounts: Checking, Savings
• Credit Cards: Track balances
• Cash: Physical money
• Investments: Stocks, Crypto
• Loans: Track debts

Transaction Tracking

Quick Entry

1. Tap "+" button
2. Enter amount
3. Select category (AI suggests)
4. Add note (optional)
5. Attach receipt photo (optional)

AI Categorization

AI learns from your patterns and automatically categorizes similar transactions.

• Merchant recognition
• Pattern learning
• Smart suggestions
• Bulk categorization

Budgeting

Create Budgets

Set spending limits by category

Track Progress

Real-time spending visualization

Get Alerts

Notifications before overspending

Rollover

Carry unused budget forward

Budget Types

• Fixed: Same amount monthly
• Variable: Adjusts based on income
• Goal-based: Save for objectives
• Zero-based: Every dollar assigned

Financial Goals

1. Set Goal

   Define what you’re saving for

2. Target Amount

   Set how much you need

3. Timeline

   Choose your deadline

4. Auto-Save

   Enable automatic transfers

Advanced Features

Reports & Analytics

Available Reports

Report Type	Description	Frequency
Cash Flow	Income vs Expenses	Daily/Weekly/Monthly
Category Analysis	Spending breakdown	Monthly/Yearly
Trends	Spending patterns	Custom range
Net Worth	Assets vs Liabilities	Monthly snapshot
Tax Summary	Tax-related transactions	Yearly

Recurring Transactions

Setup

1. Go to Transactions
2. Tap "Recurring"
3. Set frequency (daily/weekly/monthly)
4. Choose start/end dates
5. Enable auto-entry

Bill Reminders

Never miss a payment with smart bill reminders.

• Upcoming bills dashboard
• Push notifications
• Email reminders
• Calendar integration

Investment Tracking

Portfolio Features:
- Real-time stock prices
- Cryptocurrency values
- Performance metrics
- Dividend tracking
- Asset allocation

AI Features

Spending Insights

AI analyzes your spending and provides:

• Unusual spending alerts
• Money-saving suggestions
• Category optimization
• Merchant alternatives

Predictive Budgeting

AI predicts future expenses based on:

• Historical patterns
• Seasonal trends
• Upcoming bills
• Life events

Smart Notifications

Get alerts for:

• Large transactions
• Budget limits
• Bill due dates
• Goal milestones
• Savings opportunities

Tips & Tricks

50/30/20 Rule

AI helps implement: 50% needs, 30% wants, 20% savings

Envelope Method

Virtual envelopes for category budgeting

Pay Yourself First

Automatic savings before spending

Debt Snowball

AI optimizes debt repayment strategy

Data Security

Protection Measures

• Bank-level encryption: 256-bit AES
• Biometric lock: Face/Touch ID
• 2FA: Two-factor authentication
• Local storage option: Keep data on device
• Secure backup: Encrypted cloud sync

Export & Backup

Export Formats

• CSV for spreadsheets
• PDF reports
• QIF for Quicken
• OFX for accounting software
• JSON for developers

Backup Options

Settings → Backup & Sync
- iCloud (iOS)
- Google Drive (Android)
- Manual export
- Automatic daily backup

Keyboard Shortcuts (Web)

Shortcut	Action
Cmd/Ctrl + T	New transaction
Cmd/Ctrl + B	View budgets
Cmd/Ctrl + R	Reports
Cmd/Ctrl + G	Goals
/	Quick search