Reading your register

Step 5 of the Quick start. Your accounts have transactions in them — some typed in, some imported. This page is how to read them.

The register is one account’s transaction list. Open it by choosing the account.

The four statuses

Every transaction is in exactly one of four states. Three of them you control; one comes from your bank.

Uncleared

The default for anything you enter yourself. It means: this has happened as far as you are concerned, but it has not settled at the bank yet. A transaction you post from a scheduled bill also starts here.

Cleared

You have seen it on the bank’s side and marked it so. Toggling a row between uncleared and cleared is a single click or tap on its status control.

Reconciled

Set by reconciling the account, not by hand. When you reconcile, you enter the balance from a statement, Tovari re-checks your cleared rows against it on the server, and — only if they agree — locks the matched rows as reconciled. A reconciled row is locked: its status control no longer toggles, so a footed statement cannot be silently un-footed later. Reconcile has its own guide; for now it is enough to know that reconciled is a stronger, deliberate form of cleared.

Pending

Pending is bank provenance. It appears only on rows that came from a connected bank and have been authorized but not yet posted — a card swipe this morning, say. You can never put a row into pending yourself; anything you type in is uncleared.

Two consequences worth knowing:

• When the bank posts the real transaction, Tovari transitions the same row in place rather than deleting it and inserting a new one, so any category, payee, or note you added while it was pending survives.
• If you had already entered that payment by hand on the same account, sync matches your row instead of adding a second one.

Pending rows are shown apart from the settled list so they never quietly move a number you were reading.

The balances above the list

The register header shows several figures, all calculated on the server:

• Cleared — the settled part of the account.
• Uncleared — what you have recorded that has not settled.
• Pending — shown when the account has pending bank activity.
• Working Balance — the headline figure for the account.

These are meanings, not a sum you should reproduce yourself: read the numbers the app gives you rather than adding them up. Each row also carries a running Balance column, computed server-side in the register’s own order.

Web

The layout

The register is a resizable data grid with columns Status, Date, Payee, Notes, Category, Amount, and Balance. Click the Date header to flip the sort.

Above and around the settled list sit two extra sections:

• Scheduled Bills — occurrences that have not been recorded yet. See scheduling a bill.
• Pending — with the subtitle not yet posted — the bank rows described above. Its amount column is reference only until the bank posts a final figure, and its balance column is a projection including the pending row.

Changing a status

The circle in the Status column is the control. Click it to move a row between uncleared and cleared. On a reconciled row the control shows a lock and does nothing — it reads Reconciled (locked).

Adding a transaction by hand

Press Add Transaction in the header action row. A dialog opens, naming the account the row will land in, with fields for date, payee, amount, category and a note — the same dialog is where you set the payee and the category, which the next page, categorizing spending, covers. Nothing is saved until you press Add Transaction in the dialog.

Add Scheduled Item opens the same dialog dated tomorrow. Any future date is saved as a scheduled item that posts on that day rather than a transaction that moves your balance now, and the dialog tells you so before you save.

The action row also carries Reconcile, File Import, and Export.

Mobile

Getting there

The register is not its own tab. Open the Accounts tab and tap an account row; the register is pushed inside that tab, so the tab bar stays put and the back gesture returns you to the list.

The layout

Instead of a grid, the native register is a set of labelled bands stacked down the screen:

• The teal header band shows the WORKING figure with CLEARED and UNCLEARED beneath it, and — when the account has pending activity — a line reading N pending · ≈$X not yet posted.
• Upcoming — the scheduled occurrences band.
• Pending at the bank — the pending rows, in their own band with a clock glyph, exactly the same “authorized but not posted” meaning as the web’s Pending section.
• The settled transactions themselves, grouped under date headers.

Rows are compact: payee, category dot and name, amount. An uncategorized row shows its category label in amber so it is easy to spot.

Changing a status

Tap the circle at the left of a row. Its accessibility label states what the tap will do — Cleared, tap to mark uncleared or Uncleared, tap to mark cleared. A reconciled row reads Reconciled — locked and shows a padlock instead of a tick; tapping it does nothing.

Adding a transaction by hand

Tap Add a transaction in the register header. The New transaction sheet slides up with Date, payee, category, amount and note fields; Save commits it. A Transaction / Scheduled switch sits at the top — leave it on Transaction for money that moves once, or choose Scheduled to set up something that repeats. Tapping an existing row opens the same sheet as Edit transaction, without that switch.

If you enter a payment that the bank has already flagged as pending, the app offers to settle the two together rather than leaving a duplicate — the confirmation reads Settle this bill against your bank? with Enter and settle.

Entering an amount

Tapping the amount opens your phone’s own number pad, with a Done button above it to put it away. The amount itself has no minus sign: whether the money is going out or coming in is set by the Outflow / Inflow switch beside it, not by how you type the figure.

Reconciling is the one exception. A credit card or loan statement balance is normally negative, so the Statement ending balance field carries a +/− button to flip the sign.

Where you are now

You can read any account and tell a settled row from one that is still in flight. Next: making sure each row says what it was for — categorizing spending.