Accounts

Set up the real places your money lives — checking, savings, cash — and watch each balance stay current.

An account in Sprigly stands for a real place your money lives: a checking account, a savings account, the cash in your wallet. Envelopes tell you what your money is for; accounts tell you where it actually is.

Add an account

Create an account with a name, and optionally an emoji and a color so it’s easy to spot in a list. If it’s an account you’d rather just keep an eye on than budget with — a savings pot, investments, money set aside — mark it as a savings account. Add as many as you like.

On-budget and savings accounts

Most accounts are on-budget: the money in them is part of your budget, so when you spend from one you also choose the envelope it comes out of.

A savings account is different — it sits off-budget. It’s a balance you want to track but not budget month to month. When you record activity on a savings account, Sprigly skips the envelope step, because that money isn’t part of your spending plan. To put money into one or take it back out, see Moving money.

See your balances

Each account shows a live balance that updates as you record transactions, so you always know how much is sitting in each place. Tap into an account to see its own activity on its detail screen.

Edit or remove an account

Rename an account, change its emoji or color, or reorder your list any time. If you delete an account, your past activity stays intact — Sprigly keeps the history so your records still add up.

Move money between accounts

When you move money between two of your accounts — say, from your wallet into checking — record it as a transfer. You pick the account it leaves, the account it lands in, the amount, and an optional note. Both balances update, and Sprigly knows it’s a transfer, so it’s never counted as spending.

Transfers that involve a savings account work a little differently — they also move money in and out of your budget. Moving money covers both cases.