Questions, answered in plain terms.

Most apps record every transaction the same way, so moving money from checking to savings looks identical to earning it. Alite tells the difference. Income and expenses only ever reflect money that actually entered or left your life — money you shift between your own accounts is a transfer, and it never touches those totals.

No. You record a transfer by choosing a From account and a To account, and Alite keeps it out of your income and expenses automatically. There is a dedicated Transfer type on the entry form, so the moment you pick both accounts it is treated as movement, not spending.

That is a normal expense — the money left your accounts. Only movements between accounts you hold in Alite are treated as transfers.

Where the rest of Alite comes together: your net worth and what of it is available now, what came in and went out over the period you choose and what you kept, how your budgets are holding, what is due in the next 30 days, and how much of your money is set aside for goals. Anything that wants a decision — a budget near its limit, a recurring item that could not post, a currency with no rate — is listed first.

Calculated. Net worth, income, expenses, savings rate, budget progress and category breakdowns are all computed from the transactions you recorded, each time you open the page. Nothing is smoothed, interpolated or cached into a stale snapshot.

Yes — that is what Alite is built for. Each account keeps its own currency, and you can add as many accounts and currencies as you need. Every transaction is stored at the exchange rate in effect when it happened, so last year’s balance never quietly reinterprets itself at today’s rate.

Each account is summed in its own currency, then converted into the display currency you choose, using current rates for your live totals. You can switch the display currency at any time in Settings without changing a single recorded figure — it is a view, not an edit.

An account’s currency is where the money actually is — a dollar account holds dollars, always. Your display currency is only how you read the totals: net worth, cashflow and the Overview are converted into it. Changing it re-reads every total and changes no recorded figure.

The account’s. An account holds exactly one currency, so choosing the account settles the currency — that is why the entry form asks for the account first. A cross-currency transfer is the one place two currencies meet, and there you can enter the exact amount that arrived so the recorded rate matches what your bank actually gave you.

Yes. There is a converter in the sidebar that uses the same rate table as the rest of the app, so a figure you check there always agrees with the figures on your pages.

You set a spending limit per category, and progress updates as transactions land — not in a report you read after the month is over. Because budgets are driven by categories, only income and expenses count toward them; transfers never do.

A goal is a target you are saving toward, tracked in its own currency. Setting money aside for a goal earmarks money that is already in your accounts — it does not move anything, so your balances and net worth read the same before and after. The Overview shows how much of the money available to you is set aside, and how much is not.

Yes — from a goal, choose “Add to this goal regularly”. That schedules a transfer from one of your accounts to another in the same currency, and each time it posts, what arrived is set aside for the goal. It is a real transfer: both balances move, and it never counts as income or spending.

Yes. Subscriptions, salary and rent go on a schedule, and the next 30 days show on the Overview before they land. You can also schedule a transfer between two of your accounts in the same currency — putting money into savings every month, say. Each occurrence posts as an ordinary entry or a real transfer, so a balance only ever moves because the ledger did.

You can create an account with an email and password, or continue with your Alite account — the single sign-in shared across the Alite ecosystem. Either way you land in the same Finance app.

Yes. Creating an account and tracking your finances is free, and no card is required.

Yes. You can export your ledger to a CSV file, so your records are yours to keep and take elsewhere.

Email us at cs.alitecompany@gmail.com and we will remove your account and personal data, except where we are required to retain something by law. You can also edit or delete individual records inside the app at any time.