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SplashMoney User Guide for
iPhone & iPod Touch
Table of Contents
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SplashMoney is a personal finance application for iPhone/iPod Touch,
Mac OS and Windows that allows you to:
- Record checking, savings, credit card and cash transactions.
- Track your account balances.
- Download bank data from online banks; download up-to-date- currencies
for on-the-fly conversion.
- Generate budgets, reports and charts.
- Synchronize data between your handheld and desktop computer.
- Mac OS -- Drag the SplashMoney application file into the
Applications folder or the destination of your choice.
- Windows -- Run the Installer and follow the on screen instructions.
iTunes or Bonjour must be installed before you can synchronize with
the handheld.
- iPhone & iPod Touch -- The handheld application is sold
separately and must be downloaded from the App Store on the handheld
or in iTunes.
The iPhone/iPod touch version of SplashMoney is fully registered
once you buy it. When you launch SplashMoney on the desktop you will
be prompted to enter a registration code or to run in Trial mode. You
may run the software for 30-days in full-functioning Trial mode. The
Trial software and Registered software are identical. Once the trial
period ends you must purchase and enter a registration code to continue
using the software. You do not need to re-install the software. Simply
enter a registration code and your Trial version will be converted
into a Registered version and all data will remain intact.
Quick Start
- When you first launch SplashMoney Desktop, you will see the SplashMoney
Setup wizard. It will help you connect to your handheld in 3 quick
steps.
- To get started with the handheld application, tap one of the default
accounts, such as Checking, to enter the
Register View.
- To add a new transaction, click the new button .
- Enter a Payee, an Amount, and select a Category from the list (e.g.,
"The Gap", $25, Clothing) and tap OK to close the New Transaction
dialog. You'll return to the Register and the transaction you entered
will be displayed and your ending balance will be updated.
- When you Synchronize, the data you entered on your handheld will
be copied to the desktop.
- You may enter data on both the handheld and the desktop
and synchronize the two. Most features are available on both platforms
including recording transactions, online banking,
budgeting, and reporting,
but some features have been omitted from the handheld client to keep
it lightweight and efficient.
Account View |
Edit Accounts Dialog |
Account Info Dialog |
Account View
When you first launch SplashMoney on the handheld you
are presented with the Account View. Several sample accounts will appear.
You can edit these accounts or create new ones. SplashMoney supports
the following account types:
- Checking - for tracking checking accounts
- Savings - for tracking savings accounts
- Credit - for tracking credit card accounts
- Cash - for tracking your cash expenditures
- Asset - for tracking assets such as Home Equity, Vehicles or Retirement
Accounts
- Liability - for tracking liabilities like Mortgages and Auto loans
- Money Market - for tracking your money market accounts
- Line of Credit - for tracking your line of credit accounts
Editing Accounts
You may create new accounts by tapping the New button on
the Accounts screen.
To edit and existing account, do one of the following:
- Tap the Edit
button at top left on the Accounts screen and then tap the account.
- Tap an account to open it, then select Account Info from the Tools menu.
Account Info
You can create an unlimited number of accounts. The Account Info dialog
lets you enter the following information:
- Name: The name of the account (e.g., Checking).
- Online: Tap the selector to enable/disable online
banking.
- Type: Checking, Savings, Cash, Credit, Asset, Liability, Money Market
or Line of Credit.
- Bank: The name of the Bank (optional, will be filled automatically
in online banking).
- Account #: The account number (optional, will be filled automatically
in online banking).
- Beg. Bal.: The beginning balance. Note: You must enter the beginning
balance for Credit and Liability accounts as a negative amount.
- Currency: The currency used for this account. Each account may use
a different currency.
- Icon: Click to select a custom icon.
- Include in Account View Total: Turn on this switch if you want
the account balance to be included in the Total Balance (Net Worth)
that appears on the bottom of the Account View.
Online Banking
SplashMoney can connect to many online banks using OFX "Direct
Connect" technology. Ask your bank if you are able to use their
online service with Direct Connect. They will probably want to hear
that you are using it with Quicken 2000 or later, since many banks
have business relationships with Quicken. But in most cases, if it
works with Quicken, it will work with SplashMoney since we are employing
the same technology.
In order to use Online Banking on the handheld, you need an internet
data plan - unlimited is recommended.
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To set up online banking on your handheld or
desktop, open the Account Info dialog. On the handheld this
can be accessed from the Account View > Edit or Tools > Account
Info from the Account Register.
You will then tap the Online selector to enable online
account access. In the Online Setup dialog, you will need to
select/enter:
- Bank Name (if your bank is supported it will appear on
the list)
- Customer ID - Enter your online banking Customer ID provided
to you by your bank.
- Password - Enter your online banking Password provided to
you by your bank.
- Account - after entering your login data, you can select
your account
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Note: In some cases the username/password you use to log into your
bank's web-site is different than the username/password required for
"direct connect" online banking as found in SplashMoney and
Quicken. Check with your financial institution to see if you need a
special username/password for direct connect online banking and whether
any fees apply.
Once you have set up an account for online access, you can tap the
Go Online button
to download recently cleared transactions from your bank directly into
your SplashMoney register.
Note: When transactions are downloaded from your bank SplashMoney
will attempt to match those transactions with any existing transactions
in your register, or will add them as New transactions.
Once your are finished editing your accounts, return to the Account
View and tap an Account to display its Register View. The Register view
displays a list of transactions. The following buttons are available
in the toolbar in the Register View:
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Tap the home button to return to the Account View.
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Tap the New button to create a new transaction.
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Tap the Reports button to view Reports and Charts.
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Tap the Budget button to view and edit Budgets.
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Tap the Tools button to access Tools
for the Register View.
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Tap the Go Online button to download recent transactions from your
online bank.
Tools
Many functional commands are found in the Tools menu, which is accessed
by tapping the Tools button where available:
.
The Tools options are most complete in the Register View:
Accounts
- Account Info - Opens the Account Info dialog.
- Purge Transactions - Opens the Purge
Tool.
- Preferences - Opens the Register Preferences dialog, which
contains:
- Show Decimals - Select Show Decimals if you
wish to display decimals in the Register View. You can reduce
the size of the Amount and Balance columns in the Register View
by turning this option off. The Amount field in the Transaction
Info dialog will continue to display
decimals.
- Show Year - Select Show Year if you wish
to include the year in the Date Column (mm/dd/yy). Otherwise
the date will be displayed without the year (m/d) to conserve
space.
- Show Columns - Select the columns you wish
to display in the Register View. You may select up to 4 columns
for Portrait, and
up to 6 for Landscape. To switch between the view preferences,
use the buttons at the bottom. Columns include:
- Cleared - A checkmark indicating cleared/not-cleared status.
- Icon - The icon associated with assigned category.
- Date - The date of the transaction.
- Type - The transaction type (Check#, Deposit, Withdrawal,
ATM, EFT, etc.).
- Payee - Name of the Payee.
- Category - The Category the transaction is assigned to.
- Class - The Class the transaction is assigned to.
- Amount - Amount of the transaction.
- Balance - The running Balance.
- Sort by: Select which column data you wish to sort the list
of transactions by. Default = Date, newest to oldest.
- Upcoming Transactions - Opens the Upcoming
Transactions dialog.
Settings
Edit List
- Edit Payees - Opens the Edit Payees dialog.
- Edit Categories - Opens the Edit Categories dialog.
- Edit Classes - Opens the Edit Classes dialog.
- Edit Currencies - Opens the Edit Currencies dialog.
- Edit Transaction Types - Opens the Edit
Transaction Types dialog.
- Edit Scheduled Transactions - Opens the Scheduled
Transactions dialog.
About SplashMoney
- About - Displays information about SplashMoney.
- Quick Start Guide - Displays the Quick Start Guide that was displayed
on first run.
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Adding/Editing Transactions
To create a transaction, tap the New button
in the Register View. The Edit Transactions dialog appears.
You may fill in the following fields:
Date: Date of transaction. Defaults to today's date.
Payee: The name of the Payee. You may enter a name or
select from the popup list of memorized Payees (see Auto-Fill).
To add a new Payee, just type in the search field and if no
match comes up, just tap Done to add the search text.
Type:
Type of transaction (check, deposit, withdrawal, ATM, etc.).
Note: if you choose check#, the next check number will be automatically
entered but you can change the check number if desired. You
may also create custom transaction types (see Transaction
Types). |
Amount: The amount of the transaction. The amount is recorded
in your home currency, known as your base currency. Tap on the blue
arrow next to the amount if you wish to enter a foreign currency and
its exchange rate using the conversion table below the amount field
(see Multiple
Currencies).
Category and Class : You may enter
a Category (e.g., Auto, Dining, Groceries, etc.) and/or Class (e.g.,
Personal, Business, etc.) in the Category field. You can also split
a transaction over multiple Categories and Classes by tapping the Split
button at the bottom of the dialog. You may also transfer money to
another Account by selecting the Account name enclosed in brackets
(e.g., [Visa]) from the bottom of the Category menu (see Category
Transfers).
State: Select the state of your transaction: Uncleared if the
transaction has yet to clear your bank, Cleared, Reconciled if the transaction
has been verified against your statement, and Void to disallow the transaction
(see Balancing Accounts).
Memo: Enter a
memo, or tap the memo icon to enter more information.
Three buttons appear at the very bottom of the Transaction Info dialog:
- Split: This button opens the Split dialog where you can enter multiple
Categories, Classes and Amounts for the transaction.
- Delete: This button only appears when editing an existing transaction
(see Deleting Transactions).
- Purge: This button only appears when editing an existing transaction
(see Purging Transactions).
SplashMoney makes it easy to enter transactions that occur frequently.
It remembers transactions you've entered previously and auto-fills
them for you.
When you select a previously used Payee, SplashMoney will auto-fill
the other fields (Type, Amount, Category, Class, and Memo) to the same
values as the previous transaction for that Payee. You can then edit
any of these fields afterwards, if necessary. This is a great way to
quickly enter recurring transactions and to ensure that they are recorded
in a consistent fashion.
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SplashMoney includes several
built-in transaction types (ATM, Charge, Check, Deposit, EFT,
Payment, and Withdrawal) and you can create additional custom
transaction types.
You can create a custom transaction type by tapping Add New
in the Transaction Type selection dialog on in Tools > Edit
Transaction Types.
Once you've created
a custom transaction type, its name will appear in the Type
popup menu in the Edit Transactions dialog. |
SplashMoney supports Scheduled Transactions, enabling you to setup
transactions that occur on a regular basis. Once you setup a Scheduled
Transaction, you can choose to record it manually or be reminded
when it's time to record the transaction.
Creating/Editing Scheduled Transactions
Select Edit Scheduled Transactions from the Tools Menu.
The Edit Scheduled Transactions dialog appears.
Tap Edit > Add New. The Edit Scheduled Transaction dialog appears.
Enter the Account this transaction will affect from the Acct popup
menu.
Tap the Date picker to open the Change Repeat dialog and specify the
date and frequency of the transaction (see Repeat Frequency below).
Complete the rest of the fields in the dialog (Payee, Type, Amount,
Category, etc.) and tap OK to complete the setup of the scheduled transaction.
Repeat Frequency
There are several options available for the frequency of Scheduled
Transactions and how you want to enter them in your register, as follows:
Next Date:
The date of the next (or first) occurrence.
Frequency:
Monthly, Twice a month, Quarterly and so on.
Repeat: Select
Indefinitely for a transaction that is ongoing (e.g., Cable TV) or #
of Times for a transaction that occurs a specified number of times (e.g.,
car loan or mortgage).
Recording Scheduled Transactions
Reminder Alert
Upcoming Transactions Dialog |
Depending on how you choose to enter scheduled
transactions you will receive one or more of the following alerts:
Scheduled Transactions prompt: If you have one or more
transactions that are due you will be prompted to view them when
you launch SplashMoney. If you tap View, you will be taken to
the Upcoming Transactions dialog where you can record them. If
you tap Cancel
, you will be reminded again the next time you launch
SplashMoney.
Upcoming Transactions dialog: You may view and record
scheduled transactions by selecting Upcoming Transactions from
the Tools Menu. The Upcoming Transactions dialog displays all
scheduled transactions thru the date specified in the Thru popup
menu. You may select a scheduled transaction and tap one of the
following buttons:
- Record All: Records all transactions currently in
view.
- 1 Week: Tap the period button to specify
the range of upcoming transactions you are viewing.
Tap a transaction to edit it
and/or record it. Note: If you wish to edit all occurrences
of the scheduled transaction you must do so in the Edit
Scheduled Transactions dialog.
- Record: Records the selected transaction.
- Skip: Allows you to delete that specific occurrence
of the scheduled transaction. Future transaction will still
occur. Note: If you wish to delete all occurrences of the scheduled
transaction you may do so in the Edit
Scheduled Transactions dialog.
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SplashMoney displays the name of each Account in brackets at
the end of the Category list (similar to Quicken and Microsoft
Money). This enables you to transfer funds to an account from within
the Edit Transaction dialog. For example, when writing a check
for your Visa bill, you could create a new transaction in your
Checking account and select [Visa] from the Category popup. This
will create a corresponding deposit in the Visa account in the
same amount. These two corresponding transactions are dynamically
linked and if you change the data in one, it will be reflected
in the other.
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Transactions may be split across multiple
categories, by tapping the Split button in the Transaction Info
dialog. The Splits dialog will be displayed where you can select
up to 10 categories to split the transaction across. Following
are some examples of why/how you would perform a Split Transaction: |
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Example 1: You write a check to your mortgage
company that includes mostly interest and some principal. You want
to track each separately in a Mortgage Liability account, and a
Home Equity Asset account. |
Account |
Checking |
Type |
Check # |
Payee |
MortCo |
Amount |
$1000 |
Category |
--SPLIT-- |
[Mortgage Acct] |
$900 |
[Home Equity] |
$100 |
Total |
$1000 |
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Example 2: You bought some groceries with
a debit card and withdrew additional cash. You want to track the
amount you spent on groceries, and track the cash deposit in your
Cash Account. |
Account |
Checking |
Type |
EFT |
Payee |
Thriftway |
Amount |
$50 |
Category |
--SPLIT-- |
Groceries |
$30 |
[Cash Acct] |
$20 |
Total |
$50 |
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SplashMoney supports multiple currencies allowing you to track
accounts in different currencies as well as recording individual
transactions in different currencies and converting them to your
account currency. You must specify a Base Currency, and all other
currencies will have a conversion rate relative to the Base Currency.
Each account can use a different Account Currency, but there is
only one Base Currency. In the Account View, each account balance
is displayed in its own currency. But the Total Balance (Net Worth)
at the bottom of the Account View is calculated by converting each
account total to the base currency and summing the account totals.
Updating Currencies
SplashMoney for iPhone/iPod Touch has the ability to update the
currency list with daily-updated conversion rates. One
currency must be defined as your Base Currency with a conversion
rate of 1.0. All other currency conversion rates will be in relation
to the Base Currency.
To update currency rates or change the Base Currency, you can
select Edit Currencies from the tools menu or access the currency
list from the Amount dialog in the Transaction Info. Tap the "Download
Conversion Rates" button to get the latest currency rates from
the internet.
Entering a Foreign Currency in a Transaction
While editing a transaction amount in the Transaction Info dialog,
tap "From" in
the Currency Converter tool which appears below
the Amount Field.
- Select a Currency from the Currency selection screen.
- Enter a Currency Amount in the From field.
- Tap Result. The converted amount in your Account Currency
appears in the Amount field.
Since conversion rates change daily, they can be updated while
entering a transaction in the Convert Currency dialog. When you
edit the conversion rate for a transaction, you are only editing
the conversion rate for that specific transaction. It will not
affect the conversion rate for any previously entered transactions. |
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As a simpler alternative to Reconciling
on the SplashMoney Desktop, you can easily change your Ending
Balance by tapping the Ending Balance amount in the Register
View and entering a new amount.
When you do this, SplashMoney actually adjusts the Beginning
Balance by the appropriate amount to get the Ending Balance to
equal the desired amount. This method is the quickest and easiest
way to make sure your SplashMoney register reconciles with your
bank statement, but it does not provide any record of the adjustment
you made to the register.
Tap the Balance field on the toolbar and select "Adjust Ending
Balance" from the balance menu. Then enter the amount you
wish to change the balance to. |
A note about the difference between Balance Types:
- Balance: This is the total of all
transactions in your register, both Cleared and Uncleared.
- Cleared Balance: This is the
total of all Reconciled and Cleared transactions in your Register.
These transactions have cleared your bank and should match your
bank's online balance or your bank's printed statement.
- Online Balance: This allows you to see the balance that the bank
has recorded online for your account. This may differ from your local
balance if you have recorded transactions locally that have not yet
posted to the bank account online.
SplashMoney provides several methods for removing transactions, each
with unique characteristics, as follows:
Deleting Transactions
When you delete a transaction it removes it from your register and
it is no longer calculated into your account balance. You should not
delete valid transactions as it will alter your balance and potentially
cause problems when reconciling. It is recommended that you purge
valid transactions instead. You will find the Delete button at the
bottom of the Transaction Info dialog.
When you purge a transaction, it is removed from your register but
your beginning balance is adjusted by the amount of the transaction
being purged. The end result is that your ending balance will be unchanged
even though the purged transaction is no longer listed in the register.
For example, you can purge all cleared transactions or all transactions
over 3 months old, and still have an accurate ending balance.
You can purge transactions individually in the Transaction
Info dialog,
or in batches as follows:
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Purge Before: As an alternative
to purging all cleared or reconciled items, you may wish to keep
several months worth of transactions on your handheld for your
records. Using the Purge Before command you can purge transactions
before a specified date. Note: Any items that are purged will
be automatically cleared and your Beginning Balance will be adjusted
so that the Ending Balance will remain accurate.
Purge Cleared: SplashMoney will remove the cleared transactions
from your register and adjust your Beginning Balance by the total
amount of the purged transactions, so that your Ending Balance
will remain accurate.
Purge Reconciled: SplashMoney will remove the reconciled
transactions from your register and adjust your Beginning Balance
by the total amount of the purged transactions, so that your
Ending Balance will remain accurate. |
If you void a transaction, the transaction will remain in your register,
so you have a record of it, but its amount will be ignored and not
calculated in your account balance. To void a transaction, select
Void from the State menu in the Transaction
Info dialog.
Report View |
Pie Chart View |
Define Report Dialog |
Report View
SplashMoney will generate reports showing how you are spending your
money over a specified period of time. Tap the Reports button
to generate a Report. The default
report shows spending by Category for the last 90 days. You can generate
reports based on Payee, Category or Class.
Pie Chart View
Tap the Pie Chart button to
switch to the Pie Chart View. Tap the income button
or expenses button
to view positive or negative charts. You can drill down by tapping
a slice to view sub-slices or lists of transactions in a selected
slice. Smaller slices are bundled together into the <Other> slice to
prevent label crowding. Tap this slice to see a sub-pie breakdown of
the <Other> categories.
Define Report
You may customize the report by tapping the text on the top left of
the screen, which opens the Define Report dialog. In this dialog you
can specify which Accounts to include, the type of report (Payee,
Category or Class), and the time period.
Drill-down Report
In either the Report View or Pie Chart View, you may drill-down on
any item in the report by tapping on it. For instance, if you are viewing
a report by Category, you can tap "Groceries" to generate
a Drill-down report showing all the transactions that are assigned to
the Groceries category in that time period.
Tip: You can find all the transactions that are not categorized by
generating a Category Report and tapping the total for <Unassigned>.
This will create a Drill-down report for all the Uncategorized transactions.
You can then open each transaction and assign categories to them.
Budget View |
Budget View Preferences |
Define Budget Amount |
Budget View
SplashMoney allows you to view reports comparing budgeted amounts to
actual amounts. Tap the Budget button
to open the Budget View. The
default Budget shows spending by Category for the current month. You
can create budgets for each Category, Class and Payee.
Define Budget
You may specify the Budget type by tapping the text on the top right
of the screen, which opens the Define Budget dialog. In this dialog
you can specify the Budget type (Payee, Category or Class), and the
time period.
Budget Amount
You specify the budget amount for each item (Category, Class or Payee)
by tapping on the Budget Amount in the Budget column. This will open
the Budget Amount dialog where you specify a monthly budget amount for
that item.
Note: You may only specify a monthly budget amount for each item. When
you are viewing a budget report for a time period of a Quarter, the
monthly amount will be multiplied by three, and when viewing by a time
period of a Year, the monthly amount will be multiplied by 12.
Drill-down Report
If you tap the item name (Category, Class or Payee) in the Budget view,
it will open the Drill-Down Report for that item. The drill-down report
will show all the transactions associated with that item in that time
period (Month, Quarter or Year).
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You should secure your data in SplashMoney so
that a password must be entered to access the application. You
will be required to enter the password when launching SplashMoney,
or when you turn on your handheld if SplashMoney was last running
when it was turned off. SplashMoney does not encrypted the transaction
data, but the Online Banking Customer ID, Password, and Bank
Account values are encrypted when you set a password.
Setting a Password -- Select set a password from the
Account View Options Menu. The Set Password dialog is displayed.
Enter a password in the New Password field, and verify the password
by entering it again in the Confirm field. You may optionally
enter a Hint to remind you of the password.
Entering a Password -- You will be required to enter
your password each time you launch SplashMoney, or when you turn
on your handheld if SplashMoney was last running when it was
turned off. You may enter the password using Graffiti, or with
one of the onscreen keyboards. You may toggle between the alpha-numeric
keyboard and the numeric keypad using the abc/123 button on the
top right of the password dialog.
Changing a Password -- To change a password, select Set
Password from the Account View Options Menu, enter your Old Password,
then enter and confirm the New Password.
Removing a Password -- To remove a password, select Set
Password from the Account View Options Menu, enter your Old Password,
then leave the New Password and Confirm fields blank.
Security Options -- Choose Security Options from
the Options menu to specify the period of time that must elapse
before SplashMoney auto-locks. Once SplashMoney locks, you must
enter your password to open SplashMoney. The default setting will
immediately auto-lock SplashMoney when you exit the application
or turn off your handheld. If you wish, you may specify a longer
delay, at the risk of less security. If you have specified a longer
delay (e.g., 10 minutes) but then desire to lock SplashMoney immediately,
you may select Lock Now from the Options Menu. |
SplashMoney Desktop Application
When you first launch SplashMoney, you will see the SplashMoney Setup wizard.
It will help you connect to your handheld in 3 quick steps:
- Ensure that your handheld and desktop are using the same local
network connection and launch SplashMoney on the device.
- On the handheld version of SplashMoney, select Tools from the top
right, then Sync, then the desktop name you wish to sync with.
- Click Finish, and then enter the same password that you set on
the handheld to login and begin viewing and editing your data.
Accounts Pane
When launch SplashMoney you are presented with the Accounts
Pane on the left. Several sample accounts will appear. You can edit
these accounts or create new ones. SplashMoney supports the following
account types:
- Checking - for tracking checking accounts
- Savings - for tracking savings accounts
- Credit - for tracking credit card accounts
- Cash - for tracking your cash expenditures
- Asset - for tracking assets such as Home Equity, Vehicles or Retirement
Accounts
- Liability - for tracking liabilities like Mortgages and Auto loans
- Money Market - for tracking your money market accounts
- Line of Credit - for tracking your line of credit accounts
Account Info
You can create an unlimited number of accounts. The Account Info dialog
lets you enter the following information:
- Name: The name of the account (e.g., Checking).
- Online: Click the selector to enable/disable online
banking.
- Type: Checking, Savings, Cash, Credit, Asset, Liability, Money
Market or Line of Credit.
- Bank: The name of the Bank (optional, will be filled automatically
in online banking).
- Account #: The account number (optional, will be filled automatically
in online banking).
- Beg. Bal.: The beginning balance. Note: You must enter the beginning
balance for Credit and Liability accounts as a negative amount.
- Currency: The currency used for this account. Each account may
use a different currency.
- Icon: Click to select a custom icon.
- Include in Account View Total: Select this checkbox if you want
the account balance to be included in the Total Balance (Net Worth)
that appears on the bottom of the Account View.
Online Banking
SplashMoney can connect to many online banks using OFX "Direct
Connect" technology. Ask your bank if you are able to use their
online service with Direct Connect. They will probably want to hear
that you are using it with Quicken 2000 or later, since many banks
have business relationships with Quicken. But in most cases, if it
works with Quicken, it will work with SplashMoney since we are employing
the same technology.
To set up online banking, open the Account Info dialog by double-clicking
the account you wish to edit.
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Then click Online Setup. In the Online Setup
dialog, you will need to enter:
- Bank Name (if your bank is supported it will appear on
the list)
- Customer ID - Enter your online banking Customer ID provided
to you by your bank.
- Password - Enter your online banking Password provided
to you by your bank.
- Account - after entering your login data, you can select
your account.
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Note: In some cases the username/password you use to log into your
bank's web-site is different than the username/password required for
"direct connect" online banking as found in SplashMoney and
Quicken. Check with your financial institution to see if you need a
special username/password for direct connect online banking and whether
any fees apply.
Once you have set up an account for online access, you can click the
Go Online button to
download recently cleared transactions from your bank directly into
your SplashMoney register.
Note: When transactions are downloaded from your bank SplashMoney
will attempt to match those transactions with any existing transactions
in your register, or will add them as New transactions. You will be
prompted to Review the downloaded transactions and verify whether they
are Matching or New transactions.
Register
Tabs are used on the desktop to allow quick access to the Register,
Reports, Budgets, and Reconcile tool. The Account
View on the handheld application is constantly available in the
Accounts pane on the left of the desktop application.
Menu Options
The following menu options are available in the SplashMoney
Desktop.
SplashMoney
- About SplashMoney - Displays the version number.
- Preferences - Set the row color, font, import/export
format, and whether to show decimals.
File
- New Account - Create a new account.
- Delete Account - Delete selected account.
- Account Info - Edit selected account settings.
- Go Online - Download transactions from online
bank.
- Adjust Ending Balance - Open the ending balance dialog.
- Purge Transactions - Open the purge dialog.
- Upcoming Transactions - Open the Upcoming Transactions dialog.
- Set Password - Set a password to encrypt and protect your
data.
- Import - Import QIF, OFX, or CSV data from other applications
or backup.
- Export - Export QIF or CSV data.
- Page Setup - Edit the settings for the printer.
- Print - Print the displayed data.
Edit
- Undo - Cancels the last action.
- Cut - Deletes selected data and places it on the clipboard.
- Copy - Copies selected data to the clipboard.
- Paste - Pastes data from the clipboard.
View
- Show Columns - Select which columns of data are
displayed.
Transaction
- New - Opens the Edit Transaction dialog for a new transaction.
- Edit - Opens the Edit Transaction dialog for the selected
transaction.
- Delete - Deletes the selected transaction.
- Transfer - Opens the Transfer Dialog for transferring money
between 2 accounts.
List
- Payees - Opens the Edit Payees Dialog.
- Categories - Opens the Edit Categories Dialog.
- Classes - Opens the Edit Classes Dialog.
- Currencies - Opens the Edit Currencies Dialog.
- Transaction Types - Opens the Edit Transaction Types Dialog.
- Scheduled Transactions - Opens the Scheduled Transactions
Dialog.
Help
- SplashMoney Help - This User Guide.
Edit Transaction Dialog
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Adding/Editing Transactions
To create a transaction, click the New button in
the Register View. The Edit Transactions dialog appears. You
may fill in the following fields:
Account: In the top right, you may select which
account to add the transaction to. The default selection will
be the account in which you initiated the transaction.
Date: Date of transaction. |
Payee: The name of the Payee. You may enter a name or select
from the popup list of memorized Payees.
Type: Type of transaction (check, deposit, withdrawal, ATM,
etc.). Note: if you choose check#, the next check number will be automatically
entered but you can change the check number if desired. You may also
create custom transaction types (see Transaction Types).
Amount: The amount of the transaction. The amount is recorded
in your home currency, known as your base currency. You may enter a
foreign currency and its exchange rate by clicking the Currency Converter
button (see Multiple
Currencies).
Category/Class: You may enter a Category (e.g., Auto, Dining,
Groceries, etc.) and/or Class (e.g., Personal, Business, etc.) in the
Category field. You can also split a transaction
over multiple Categories and Classes by selecting SPLIT from the Category popup (Windows) or clicking the Split button (Mac OS). You may
enter the Category and Class or select from the popup menus of memorized
items. The Category menu appears on the left and the Class menu appears
on the right. SplashMoney includes predefined categories and classes,
which you can modify. You may also transfer money to another Account
by selecting the Account name enclosed in brackets (e.g., [Visa]) from
the bottom of the Category menu (see Category
Transfers).
Memo:
Enter a memo, or click the memo icon to enter more information.
State: Select the state of your transaction: Uncleared if the
transaction has yet to clear your bank, Cleared, Reconciled if the
transaction has been verified against your statement, and Void to disallow
the transaction (see Balancing Accounts).
Delete: This button only appears when editing an existing transaction
(see Deleting Transactions).
Purge: This button only appears when editing an existing transaction
(see Purging Transactions).
SplashMoney includes several built-in transaction types (check, deposit,
withdrawal, ATM, etc.) and you can create additional custom transaction
types. To create a custom transaction type, select Edit Transaction
Types from the List Menu, click New, choose Deposit or Withdrawal and
enter a name. Once you've created a custom transaction type, its name
will appear in the Type popup menu in the Edit Transactions dialog.
SplashMoney supports Scheduled Transactions, enabling you to setup
transactions that occur on a regular basis. Once you setup a Scheduled
Transaction, you can choose to record it manually or
be reminded when it's time to record the transaction.
- Select Edit Scheduled Transactions from the List Menu. The Edit
Scheduled Transactions dialog appears.
- Click New. The Edit Scheduled Transaction dialog appears.
- Enter the Account this transaction will affect from the Acct popup
menu.
- Click the Date picker to open the Change Repeat dialog and specify
the date and frequency of the transaction (see Repeat Frequency below).
- Complete the rest of the fields in the dialog (Payee, Type, Amount,
Category, etc.) and click OK to complete the setup of the scheduled
transaction.
Repeat Frequency
There are several options available for the frequency of Scheduled
Transactions and how you want to enter them in your register, as follows:
Next Date: The
date of the next (or first) occurrence.
Frequency: Monthly,
Twice a month, Quarterly and so on.
Repeat: Select
Indefinitely for a transaction that is ongoing (e.g., Cable TV) or
# of Times for a transaction that occurs a specified number of times
(e.g., car loan or mortgage).
Enter: Choose
one of the following options for how you want the scheduled transaction
to be entered into your account register:
- Manually: Requires you to manually record the transaction.
To check for scheduled transactions, select Upcoming Transactions
from the File menu.
- Remind Me: You will be prompted when you launch SplashMoney
if there are any due transactions so you can manually record them
(see Recording Scheduled Transactions below).
Recording Scheduled Transactions
Depending on how you choose to enter scheduled transactions you will
receive one of the following alerts:
Scheduled Transactions prompt: If you have one or more transactions
that are due you will be prompted to view them when you launch SplashMoney.
If you click Yes, you will be taken to the Upcoming Transactions dialog
where you can record them. If you click Later, you will be reminded
again the next time you launch SplashMoney.
Upcoming Transactions dialog: You may view and record scheduled
transactions by selecting Upcoming Transactions from the File Menu.
The Upcoming Transactions dialog displays all scheduled transactions
thru the date specified in the Thru popup menu. You may select a scheduled
transaction and click one of the following buttons:
- Record All: Records all transactions currently in view.
- Record: Records the selected transaction.
- Edit: Opens the selected transaction where you can make
a change (e.g., the amount or date) to that specific transaction
and record it. Note: If you wish to edit all occurrences of the scheduled
transaction you may do so in the Edit Scheduled
Transactions dialog.
- Skip: Allows you to delete that specific occurrence of the
scheduled transaction. Future transaction will still occur. Note:
If you wish to delete all occurrences of the scheduled transaction
you may do so in the Edit Scheduled Transactions dialog.
- Done: Closes the dialog.
Transfer Dialog
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You may transfer funds between your accounts using one of the following
methods.
Transfer Funds
Click the Transfer button in
the Account View or select the Transfer command from the Accounts Menu.
Date: Enter the date of the transaction.
From: The Account the funds will be withdrawn from.
Amount: The amount of the transfer.
To: The Account the funds will be deposited into. |
Cleared: Whether or not the Transfer is cleared. (Chances are
the transfer has cleared your bank since they probably conducted the
transfer. But you can always mark it as cleared later when reconciling
your account.)
Category Transfers
SplashMoney displays the name of each Account in brackets at the end
of the Category list (similar to Quicken and Microsoft Money). This
enables you to transfer funds to an account from within the Edit Transaction
dialog. For example, when writing a check for your Visa bill, you could
create a new transaction in your Checking account and select [Visa]
from the Category popup. This will create a corresponding deposit in
the Visa account in the same amount. These two corresponding transactions
are dynamically linked and if you change the data in one, it will be
reflected in the other.
Splits Dialog |
Transactions may be split across multiple categories,
by selecting --SPLIT-- from the Category popup (Windows) or clicking the Split button (Mac OS). The Splits dialog
will be displayed where you can select up to 10 categories to split
the transaction across. Following are some examples of why/how
you would perform a Split Transaction: |
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Example 1: You write a check to your mortgage
company that includes mostly interest and some principal. You want
to track each separately in a Mortgage Liability account, and a
Home Equity Asset account. |
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Account |
Checking |
Type |
Check # |
Payee |
MortCo |
Amount |
$1000 |
Category |
--SPLIT-- |
[Mortgage Acct] |
$900 |
[Home Equity] |
$100 |
Total |
$1000 |
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Example 2: You bought some groceries with
a debit card and withdrew additional cash. You want to track
the amount you spent on groceries, and track the cash deposit
in your Cash Account. |
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Account |
Checking |
Type |
EFT |
Payee |
Thriftway |
Amount |
$50 |
Category |
--SPLIT-- |
Groceries |
$30 |
[Cash Acct] |
$20 |
Total |
$50 |
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SplashMoney supports multiple currencies allowing you to track accounts
in different currencies as well as recording individual transactions
in different currencies and converting them to your account currency.
You must specify a Base Currency, and all other currencies will have
a conversion rate relative to the Base Currency. Each account can use
a different Account Currency, but there is only one Base Currency.
In the Accounts Pane, each account balance is displayed in its own
currency. But the Total Balance (Net Worth) at the bottom of the Account
View is calculated by converting each account total to the base currency
and summing the account totals.
Editing Currencies
One currency must be defined as your Base Currency with a conversion
rate of 1.0. All other currency conversion rates will be in relation
to the Base Currency. Conversion rates are dynamically updated as you
create new transactions and edit the Conversion rate in the Set Currency
dialog, discussed below. To edit a Currency:
- Select Currencies from the List Menu.
- Specify one of the currencies as your Base currency by selecting
it and clicking Base.
- Select an existing currency and click Edit.
- Enter a conversion rate. The conversion rate is relative to the
base. For example, if your base is a dollar ($) and you want to enter
the conversion rate for the Euro (E) and the conversion rate is 0.924275
Euros to the Dollar, the conversion rate is calculated by dividing
0.924275 Euros by 1 Dollar (0.924275/1) resulting in a conversion
rate of 1.08193.
- Click OK.
Entering a Foreign Currency in a Transaction
While entering a transaction in the Edit Transaction dialog, click
the Currency Converter button
which appears to the right of the Amount Field.
- Select a Currency from the Currency Popup.
- Enter a Currency Amount in the From field.
- Enter the Conversion Rate.
- Click OK. The converted amount in your Account Currency appears
in the Amount field.
Since conversion rates change daily, they can be edited while entering
a transaction in the Convert Currency dialog. When you edit the conversion
rate for a transaction, you are only editing the conversion rate for
that specific transaction. It will not affect the conversion rate for
any previously entered transactions. When you enter future transactions,
however, the last conversion rate entered for that currency is recalled.
You can balance your SplashMoney account so that it matches the closing
balance on your bank statement using one of the two following methods:
Reconciling
Start Reconciling
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Click the Reconcile tab and enter the beginning
and ending balance from your printed bank statement.
Check off each of the items that match your printed statement.
You can return to the Register by clicking the Close button
and add or modify transactions if there are missing transactions.
Then return to the Reconcile dialog to pick up where you left
off.
Once you've marked all the items that match your statement the
Difference displayed at the bottom should = 0.
If it does not, SplashMoney will create an Adjustment transaction
to reconcile the accounts.
Click Done and the marked items will be marked as Reconciled
in the Register. |
Adjusting Ending Balance
As a simpler alternative to Reconciling, you can easily change your
Ending Balance by clicking the Ending Balance amount in the Register
View and entering a new amount. When you do this, SplashMoney actually
adjusts the Beginning Balance by the appropriate amount to get the
Ending Balance to equal the desired amount. This method is the quickest
and easiest way to make sure your SplashMoney register reconciles with
your bank statement or a desktop application like Quicken or Microsoft
Money, but it does not provide any record of the adjustment you made
to the register.
A note about the difference between Balance and Cleared Ending balances:
- Balance: This is the total of all transactions
in your register, both Cleared and Uncleared.
- Cleared Balance: This is the total of all Reconciled
and Cleared transactions in your Register. These transactions have
cleared your bank and should match your bank's online balance or
your bank's printed statement.
SplashMoney provides several methods for removing transactions, each
with unique characteristics, as follows:
Deleting Transactions
When you delete a transaction it removes it from your register and
it is no longer calculated into your account balance. You should not
delete valid transactions as it will alter your balance and potentially
cause problems when reconciling. It is recommended that you purge valid
transactions instead.
Purging Transactions
When you purge a transaction, it is removed from your register but
your beginning balance is adjusted by the amount of the transaction
being purged. The end result is that your ending balance will be accurate
even though the purged transaction is no longer listed in the register.
For example, you can purge all cleared transactions or all transactions
over 3 months old, and still have an accurate ending balance.
You can purge transactions individually in the Edit Transactions dialog,
or in batches as follows:
Purge Before: As an alternative to purging all cleared or reconciled
items, you may wish to keep several months worth of transactions on
your handheld for your records. Using the Purge Before command you
can purge transactions before a specified date. Note: Any items that
are purged will be automatically cleared and your Beginning Balance
will be adjusted so that the Ending Balance will remain accurate.
Purge Cleared: SplashMoney will remove the cleared transactions
from your register and adjust your Beginning Balance by the total amount
of the purged transactions, so that your Ending Balance will remain
accurate.
Purge Reconciled: SplashMoney will remove the reconciled transactions
from your register and adjust your Beginning Balance by the total amount
of the purged transactions, so that your Ending Balance will remain
accurate.
Voiding Transactions
If you void a transaction, the transaction will remain in your register,
so you have a record of it, but its amount will be ignored and not
calculated in your account balance.
Report View in Pie Chart Format
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SplashMoney will generate reports showing how
you are spending your money over a specified period of time.
Click the Reports tab to generate a Report. The default report
shows spending by Payee for the last 90 days. You can generate
reports based on Payee, Category or Class.
Define Report
You may customize the report by specifying which Accounts to
include, the type of report (Payee, Category or Class), the time
period, report type (Textual or Pie Chart), and the Amounts to
be displayed (Income or Expenses.
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Drill-down Report
In either the Report View or Pie Chart View, you may drill-down on
any item in the report by double-clicking on it. For instance, if you
are viewing a report by Category, you can double-click "Groceries" to
generate a Drill-down report showing all the transactions that are
assigned to the Groceries category in that time period.
Tip: You can find all the transactions that are not categorized by
generating a Category Report and clicking the total for <Unassigned>.
This will create a Drill-down report for all the Uncategorized transactions.
You can then open each transaction and assign categories to them.
Budget View
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SplashMoney allows you to view reports comparing
budgeted amounts to actual amounts. Click the Budget tab to open
the Budget View. The default Budget shows spending by Category
for the current month. You can create budgets for each Category,
Class and Payee.
Define Budget
In the left pane, you can specify the Budget type (Payee, Category
or Class), and the time period. |
Budget Amount
You specify the budget amount for each item (Category, Class or Payee)
by clicking on the Budget Amount in the Budget column. This will open
the Budget Amount dialog where you specify a monthly budget amount
for that item.
Note: You may only specify a monthly budget amount for each item.
When you are viewing a budget report for a time period of a Quarter,
the monthly amount will be multiplied by three, and when viewing by
a time period of a Year, the monthly amount will be multiplied by 12.
Drill-down Report
If you double-click the item name (Category, Class or Payee) in the
Budget view, it will open the Drill-Down Report for that item. The
drill-down report will show all the transactions associated with that
item in that time period (Month, Quarter or Year).
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You can secure your data in SplashMoney so that
a password must be entered to access the application. You will
be required to enter the password when launching SplashMoney.
Setting a Password -- Select Set Password from the
File Menu. The Set Password dialog is displayed. Enter a password
in the New Password field, and verify the password by entering
it again in the Confirm field. |
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Entering a Password -- You will be required to enter your password
each time you launch SplashMoney.
Changing a Password -- To change a password, select Set Password
from the File Menu, enter your Old Password, then enter and confirm
the New Password.
Removing a Password -- To remove a password, select Set Password
from the File Menu, enter your Old Password, then leave the New Password
and Confirm fields blank.
You can import QIF, OFX and CSV into the SplashMoney desktop. Select
Import from the File menu to access these commands. SplashMoney can
also export to QIF or CSV in order to backup and transfer data to other
applications. Following is a description of these formats:
- QIF - The old Quicken format. Quicken 2005 exports
to this format but will not import it.
- OFX - Also known as QFX (Quicken), Open Financial
Exchange (OFX) is the standard recently adopted by Quicken, Microsoft
Money, and many US online banks.
- CSV - Comma Separate Values; a widely supported
text format that can be opened in spreadsheets such as Excel and
text editors such as NotePad and Text Edit.
Data (Transactions) may be transferred into SplashMoney by importing
a QIF or QFX file. Most online banking institutions will allow you
to export transactions in QIF or QFX format. To import data to SplashMoney
from an online bank, do the following:
Download a QIF or OFX file - From your online bank, follow
the steps necessary to download transactions in QIF or QFX format.
Launch SplashMoney - Open the SplashMoney Desktop and drag
the QIF or QFX file into the Accounts Pane, or select Import from the
File Menu. Then you must select an Account to import the transactions
into or choose <New Account>
to create a new account for the transactions.
Items may be created or edited on the Handheld or Desktop and the changes
can be synchronized over your local WiFi network.
By default information is synchronized in both directions, but you can
adjust the settings, in iPhone Sync settings which can be opened from the
File menu.
Make sure if you change the sync settings away from Synchronize that you
remember to change it back later when you want to do a normal sync.
Here are the possible sync settings and the results they will bring
about:
- Synchronize -- Changes made on the Handheld or the Desktop
will be synchronized. If a record is edited on both sides between
syncs, both versions of the record will be kept so you can manually
compare which one you want to keep.
- Desktop overwrites handheld -- All data on the Desktop is
copied to the handheld. Any data on the Handheld will be replaced.
- Handheld overwrites Desktop -- All data on the Handheld
is copied to the Desktop. Any data on the Desktop will be replaced.
In order to
synchronize, you must do the following:
- Select the same network that your computer is on for your handheld
to join
- Open the SplashMoney desktop
- Select the correct user from the User menu in the SplashMoney desktop
to match the device name
- Set the passwords the same on both the desktop and handheld software
- Adjust the iPhone Sync settings in File > iPhone Sync if you wish
- Start the Sync on the handheld:
1. Select "Sync" from the toolbar in the Home screen |
2. Select your computer or enter an IP address to sync with |
3. Tap "Start Sync" |
If your desktop computer cannot be discovered, it could
be due to the following:
- The SplashMoney desktop is not running
- The wrong network is selected on the iPhone
- Windows - Bonjour is not installed. Either Bonjour or iTunes must
be installed.
Try entering the IP address of the desktop computer manually in such
cases. You can find this out by going to File > iPhone Sync on the
SplashMoney Desktop.
Creating an Ad hoc Network
If you have trouble connecting your handheld and desktop SplashMoney,
or if you want to make your sync connection with the handheld more
private, you can set up an Ad hoc network (aka Computer-to-Computer
network), and then perform your sync with both devices on that network.
Here's how:
Mac OS
- Click the Airport icon in the menu bar, and select Create Network.
- Select options for the network such as name and if you wish to
password protect it.
- On the handheld, join the new network from the list in Settings
> Wi-Fi.
- Now open SplashMoney on both the handheld and desktop and proceed
with the Synchronization.
Windows Vista
- Open Connect to a Network by clicking the Start button , and then
clicking Connect to
- Click Set up a connection or network.
- Click Set up an ad hoc (computer-to-computer) network, click Next,
and then follow the steps in the wizard.
- On the handheld, join the new network from the list in Settings
> Wi-Fi.
- Now open SplashMoney on both the handheld and desktop and proceed
with the Synchronization.
This Vista setup information was gathered from
this documentation Here you can find information on setting
up an Ad hoc Network in Windows XP |