Accounts and transactions

Accounts

An account is a container for transactions with a name, bank, type (current, savings, cash, credit card and others), currency and balance. Accounts can be hidden from overviews or archived. Savings accounts can carry an interest rate, which feeds the savings comparison against the central bank benchmark.

The account number, IBAN and notes are stored encrypted with AES-256-GCM at the database level. They are decrypted only when the account is read for display, and they are never returned by the AI tools.

Limits: the Free plan holds 2 bank accounts, Premium and Max are unlimited.

Transactions

A transaction has a date, amount, currency, type (income, expense, transfer), category, description, merchant, optional tags and notes, and the account it belongs to. Transfers link two of your accounts and adjust both balances; when the currencies differ, the counter-account balance is left untouched because the bank’s rate is unknown.

Every transaction records its origin: manual entry, CSV import (with an import batch id) or Wallet sync. The “Clean up data” action on an account removes transactions by origin.

Transactions can be excluded from statistics. Investment purchases and transfers are excluded from spending analytics automatically.

Categories and rules

Assetli ships with default categories and lets you add your own. Categorisation rules match a merchant or description pattern to a category and run on every import at no cost. Categories are classified as fixed or variable and as needs or wants; you can override the classification per category, and the analytics 50/30/20 view uses it.

AI categorisation is optional. It runs only on uncategorised rows, caches repeated merchants so they are not charged twice, and counts against the monthly AI operations quota.

What the AI sees

get_accounts returns account names, bank, balance, currency, type and last sync date. get_transactions returns date, description, merchant, amount, type, category and account id, up to 100 rows per call. Neither returns account numbers or IBANs.