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

# 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

<Steps>
  <Step title="Account Setup">
    Add your financial accounts and set currency
  </Step>

  <Step title="Categories">
    Customize expense and income categories
  </Step>

  <Step title="First Transaction">
    Log your first expense or income
  </Step>

  <Step title="Create Budget">
    Set up your first monthly budget
  </Step>
</Steps>

## Core Features

### Account Management

<Tabs>
  <Tab title="Account Types">
    * **Bank Accounts**: Checking, Savings
    * **Credit Cards**: Track balances
    * **Cash**: Physical money
    * **Investments**: Stocks, Crypto
    * **Loans**: Track debts
  </Tab>

  <Tab title="Multi-Currency">
    * Support for 150+ currencies
    * Real-time exchange rates
    * Automatic conversion
    * Historical rates
  </Tab>
</Tabs>

### 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

<Info>
  AI learns from your patterns and automatically categorizes similar transactions.
</Info>

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

### Budgeting

<CardGroup cols={2}>
  <Card title="Create Budgets" icon="chart-pie">
    Set spending limits by category
  </Card>

  <Card title="Track Progress" icon="chart-line">
    Real-time spending visualization
  </Card>

  <Card title="Get Alerts" icon="bell">
    Notifications before overspending
  </Card>

  <Card title="Rollover" icon="rotate">
    Carry unused budget forward
  </Card>
</CardGroup>

#### Budget Types

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

### Financial Goals

<Steps>
  <Step title="Set Goal">
    Define what you're saving for
  </Step>

  <Step title="Target Amount">
    Set how much you need
  </Step>

  <Step title="Timeline">
    Choose your deadline
  </Step>

  <Step title="Auto-Save">
    Enable automatic transfers
  </Step>
</Steps>

## 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

<Tabs>
  <Tab title="Setup">
    ```
    1. Go to Transactions
    2. Tap "Recurring"
    3. Set frequency (daily/weekly/monthly)
    4. Choose start/end dates
    5. Enable auto-entry
    ```
  </Tab>

  <Tab title="Types">
    * Subscriptions
    * Salary/Income
    * Rent/Mortgage
    * Utilities
    * Insurance
    * Loan payments
  </Tab>
</Tabs>

### Bill Reminders

<Warning>
  Never miss a payment with smart bill reminders.
</Warning>

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

### Investment Tracking

```dart theme={null}
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

<AccordionGroup>
  <Accordion title="50/30/20 Rule">
    AI helps implement: 50% needs, 30% wants, 20% savings
  </Accordion>

  <Accordion title="Envelope Method">
    Virtual envelopes for category budgeting
  </Accordion>

  <Accordion title="Pay Yourself First">
    Automatic savings before spending
  </Accordion>

  <Accordion title="Debt Snowball">
    AI optimizes debt repayment strategy
  </Accordion>
</AccordionGroup>

## 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    |