How to Use Wallets in Moneko

Wallets let you track your actual money, balances, and net worth in Moneko.

Before, Moneko focused mainly on spending. Now, you can also see how much money you have across your wallets.

Use Wallets to track places where your money lives, such as:

• cash
• bank accounts
• savings
• travel funds

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How Spaces, Wallets, and Pockets Connect

Moneko has three layers:

• Spaces → different parts of your life
• Wallets → where your money lives
• Pockets → what you spend on

These layers work together to help you understand both your balance and your spending.

Spaces

A Space is a separate area for a part of your life. It can be Personal, Couple, Trip, or Group. Each Space is independent.

Wallets

Wallets live inside a Space. Each Space can have multiple wallets. If you share a Space, you also share the wallets inside it. Everyone in the shared Space sees the same balances and transactions.

Currency

Each Space has one currency. If you change the Space currency, all wallets update automatically.

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How to Create a Wallet

To create a new wallet:

1. Go to the Wallets tab.
2. Tap + New Wallet.
3. Enter a wallet name.
4. Set an initial balance.
5. Choose an icon and color.
6. Optional: set a goal.
7. Tap Save.

Expected Result

Your new wallet is created inside the current Space and can be used when logging transactions.

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What You Can Do with Wallets

See Your Total Balance

At the top of the Wallets tab, you can see your total balance across all wallets, monthly trend, and total income and spending.

Use Wallets When Logging Transactions

When you log a transaction, you can select a wallet. Each transaction updates both your category and your wallet balance.

Set a Default Wallet

You can set a wallet as your Primary wallet so it is selected automatically when logging.

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Transfer Between Wallets

You can move money between wallets with a transfer.

1. Go to the Wallets tab.
2. Tap Transfer.
3. Select From and To.
4. Enter the amount.
5. Optional: add a note.
6. Tap Save.

Expected Result

The transfer updates the balances of both selected wallets.

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View Wallet Details

Tap a wallet to see more information, including its balance, recent transactions, and insights.

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Track Goals with Wallets

You can set a goal for a wallet. Progress updates automatically as money is added. This is useful for wallets like Savings or a Travel fund.

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How Wallets Work with Budgets

Wallets and Pockets work together, but they do different jobs:

• Wallets track where your money is.
• Pockets track what you spend on.

When you spend money:

1. Money comes from a wallet.
2. The transaction is categorized into a Pocket.

This keeps your balance and budget aligned.

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Troubleshooting Common Issues

I Cannot Find My Wallet

Make sure you are in the correct Space. Wallets live inside Spaces, so a wallet created in one Space will not appear in another Space.

My Wallet Balance Looks Wrong

Check whether the transaction was logged to the correct wallet, the initial balance was entered correctly, and transfers were saved correctly.

My Shared Space Wallets Are Visible to Other People

This is expected. If you share a Space, you also share the wallets inside it.

I Want One Wallet Selected Automatically

Open the wallet and set it as Primary. It will be selected automatically when logging.