manuale

1. Money
User Manual
A tutorial for Money, an accounting application
for small businesses and personal use

2. Money User Manual
Table of Contents
Getting Started
...........................................................................................4
Overview
..................................................................................................................................................................4
Installation and Help
...........................................................................................................................................5
Registering Your Money Application
..........................................................................................................6
Interface
.....................................................................................................................................................................7
Main Window
.........................................................................................................................................................9
View
..........................................................................................................................................................................11
Menus
.......................................................................................................................................................................12
Preferences
...........................................................................................................................................................16
Currency
.................................................................................................................................................................17
Labels
........................................................................................................................................................................18
Importing and Exporting
.........................................................................19
Formats
...................................................................................................................................................................19
Importing and Exporting
...............................................................................................................................20
Money Database
................................................................................................................................................21
Accounts
..................................................................................................22
Accounts Overview
.........................................................................................................................................22
New Account
......................................................................................................................................................23
Editing Accounts
.................................................................................................................................................24
Loan Account
.......................................................................................................................................................25
Smart Accounts
..................................................................................................................................................26
Smart Accounts Criteria
................................................................................................................................27
Transactions
............................................................................................29
Transactions Overview
..................................................................................................................................29
New Transaction
................................................................................................................................................30
Transfers and Splits
...........................................................................................................................................31
Reconciling a Transaction
..............................................................................................................................32
Reconciling an Account
..................................................................................................................................33
Settings
....................................................................................................34
Payees
......................................................................................................................................................................34
Banks
.........................................................................................................................................................................35
Categories
..............................................................................................................................................................36
New Category
....................................................................................................................................................37
Inventory
................................................................................................................................................................38
Bills
...........................................................................................................39
Bills Overview
.....................................................................................................................................................39
New Bill
..................................................................................................................................................................40

3. Money User Manual
Table of Contents
Budgets
....................................................................................................41
Budgets Overview
............................................................................................................................................41
New Budget
.........................................................................................................................................................42
Budget Monitor
..................................................................................................................................................43
Invoices
....................................................................................................44
Invoices Overview
............................................................................................................................................44
New Invoice
.........................................................................................................................................................45
Invoice Options
..................................................................................................................................................46
Invoice Templates Editor
................................................................................................................................47
Invoice Templates
...............................................................................................................................................48
Invoice Text Boxes
.............................................................................................................................................49
Invoice Templates Preferences
...................................................................................................................50
Investments
.............................................................................................51
Investments Overview
...................................................................................................................................51
Investment accounts
........................................................................................................................................52
Investment balances
.........................................................................................................................................53
Securities
................................................................................................................................................................54
Portfolio Overview
..........................................................................................................................................55
Portfolio Information
.......................................................................................................................................56
Portfolio Information
.......................................................................................................................................57
Reports
.....................................................................................................58
Reports Overview
............................................................................................................................................58
New Report
.........................................................................................................................................................59
Report Options
..................................................................................................................................................60
Smart Reports
....................................................................................................................................................61
Smart Reports Criteria
..................................................................................................................................62
Security
....................................................................................................64
Password
................................................................................................................................................................64
Backup
......................................................................................................................................................................65
iPhone Syncing
........................................................................................66
Money for iPhone
.............................................................................................................................................66
Syncing
.....................................................................................................................................................................67
Contact Us
...............................................................................................68

4. Money User Manual
Getting Started
Overview
Welcome to Money! This manual will help you find your way around the Money application.
Whether you have just downloaded Money for the first time and are looking for a way to
get started, or you have been using the tool for several years but still need some expert
tips, this guide will help you make the most of what Money has to offer and turn tedious
financial management into a smooth and uncomplicated task. First of all, let’s begin with a
few notes about how to use the Money User Manual.
• The Table of Contents page contains a brief overview of the manual’s contents, allowing
you to browse through the chapter headings and page numbers. Click on the page number
to quickly access a desirable topic.
• Use the search function in your PDF viewer to find a specific topic you would like to learn
about, e.g., “budget monitor” or “invoice template.”
• If you are reading this manual in PDF format, you can use the hyperlink function to quickly
jump to another section for more information on the topic. To do so, look for underlined
phrases and click on them.
Minimum System Requirements
• Mac OS X 10.5 Leopard or later
• 512 MB of RAM
• 39 MB of hard drive space
Note: You must purchase Mac OS X 10.5 Leopard if you are upgrading from an earlier
version.
Updating Mac OS X 10.5 to the latest version
1. Choose Apple menu > Software Update. A dialog box appears listing new or updated
software available for your computer.
2. Follow the onscreen instructions to update Mac OS X to the latest version.

5. Money User Manual
Getting Started
Installation and Help
Installing Money:
1. Download the Money application from our Web site: http://www.jumsoft.com/money/ .
2. Once downloaded, the Money icon will automatically appear on your desktop.
3. Move that icon to your Applications folder.
4. Open your Applications folder and drag the Money icon onto your Dock to keep it there
for easy access.
5. Click the Money icon on your Dock to launch the software.
Help documentation
• Quick Start Guide: Click this option to download a short introductory tutorial from our
Web site. This guide is a great starting point for novice Money users; it introduces you to
some key terms and the basic features of the application.
• Money Help: Click this option to open Money Help, the built-in documentation of the
application. Search for answers to your questions or browse through the different
categories for information on every detail of the software. If you prefer a printable version
of the documentation, you can download the Money User Manual in PDF format from our
Web site: http://www.jumsoft.com/money/ .

6. Money User Manual
Getting Started
Registering Your Money Application
Each time you launch Money in trial mode, you will be encouraged to purchase the full
version. Purchasing the Money 3 license allows you to add, and work with, an unlimited
number of accounts and transactions and, of course, enables Jumsoft to continue creating
great new software for your Mac. If you decide to purchase one or more copies, simply visit
our Web store at www.jumsoft.com/store or select Register... from the File menu and click
on Buy Money.
If you already have your license code, choose License from the Money menu, click on Enter
License, and enter your license code. Click License Now, and you are done. Your Money
records will be unaffected.
Note: A license code is the equivalent of a serial number.

7. Money User Manual
Getting Started
Interface
There are several functions of Money that you will be using on a regular basis. They add up
to the interface with which you will become most familiar.
Icon Function Description
Transaction Center Displays all transactions you have ever entered, including both income
and expenses.
Flagged Displays transactions that you have previously flagged.
Uncategorized Lists all transactions with no category indicated.
Bank Account Displays all transactions to, from, and among your bank accounts as
well as their balances.
Cash Account Displays all your transactions performed with cash as well as your cash
balance.
Credit Card Displays all your credit card transactions and the balance.
Account
Loan Account Contains information about your loans, such as the amount to be paid,
the term, and APR. You can set up regular loan payments, which Money
will enter automatically.
Investment Account Allows you to enter share transactions; you can see the overview of
your investment mix in the Portfolio section.
Smart Account Allows you to gather and automatically update information from all other
accounts based on the criteria you specify.
Bills Allows you to set up reminders of scheduled or regular payments and
enter them automatically.
Invoices Allows you to prepare invoices based on your Inventory and Payee lists.
You can choose the invoice design or modify it to meet your needs.
Portfolio Displays an overview of your investment portfolio, the quote history of
your securities, historical variations of your portfolio market values, and
information about the major world indices.

8. Money User Manual
Icon Function Description
WebBank Allows you to connect to your online banking account and synchronize
its data with Money.
Report Gives you a number of possible ways to analyze your income and
spending information by month, by category, by payee, etc.
Budget Allows you to set up budgets for different categories of income and
expenses.
Budget Monitor Helps you track progress on your budgets.
Payees Displays a list of all your payees and their contact information.
Banks Displays a list of all your banks and their basic information.
Categories Displays a list of all categories of income and expenses. You can add or
remove categories if required.
Inventory Displays a list of your products and their information, e.g., SKU, unit
price, and tax.
Add Varies depending on the item selected in the Listbar. For example, in
the Accounts list, this button will create a new transaction.
Edit Modifies the selected entry.
Flag Marks the selected entry with a flag symbol indicating its importance.
Duplicate Creates a copy of the selected entry.
Reconcile Reconciles the selected transaction.
Print Opens the Printing Settings sheet.
Preview Provides a preview of the prepared invoice or report.
Email Opens a New Message window of Apple Mail with an invoice or report
attached in PDF format.
Refresh Downloads the latest major worldʼs indices information in Portfolio.

9. Money User Manual
Getting Started
Main Window
Library Workspace
Settings Listbar Transaction Editor
Workspace
• Displays a list of transactions, a report, a budget, etc., depending on the tool selected
• To switch among the List, Grid, or Cover Flow views, select one of the three View buttons
from the bar along the top of the window.
• To filter entries by keyword or search for a specific entry, use the Search field next to the
View buttons.
• To order entries, click on a column header once or twice, depending on the order desired.
• To rearrange columns, drag the column headers left or right.
• To adjust the width of the columns, drag the separator line between two headers left or
right.
Library
• Allows you to switch between three transaction list modes in the Workspace:
• Transaction Center: Allows you to view a list of all transactions.
• Flagged: Shows only transactions that you have previously flagged.
• Uncategorized: Lists all transactions with no category indicated.

10. Money User Manual
Getting Started
Listbar
• Displays lists of all main tools found in Money:
• Accounts: Contains a list of all your accounts.
• Manage: Contains the Bills, Invoices, Portfolio, and WebBank sections.
• Reports: Displays a list of all your reports.
• Budgets: Displays a list of all your budgets and Budget Monitor.
• To show or hide the lists, click the disclosure triangles.
• To open an item in the Workspace, click on the item in the Listbar.
• To open the Action menu, click Ctrl+Left.
Settings
• Open the Settings panel by selecting Window > Show Settings or clicking the Show
Settings icon at the bottom of the Listbar. It contains four sections:
• Payees: A place to make a list of your payees and specify their contact information.
• Banks: A section that includes the basic information about your banks: their names,
routing and transfer codes, and contact information.
• Categories: Lets you open the full list of the transaction categories and add, remove, or
modify them.
• Inventory: The place where you can create a list of your products with SKUs, brief
descriptions, and item prices.
Transaction Editor
• Add, edit, flag, duplicate, and reconcile transactions, print data sheets, and follow your
account balance in the Transaction Editor bar along the bottom of the Workspace.

11. Money User Manual
Getting Started
View
The View buttons in the bar along the
top of the Workspace allow you to
choose the most convenient way to view
your entries in the Workspace:
• List View: Displays a standard list of
entries. Available for all types of
entries: transactions, budgets, payees,
etc.
• Grid View: Shows a grid of the
transaction categories with
appropriate images illustrating them.
Only available for transactions.
• Cover Flow View: Allows visually
flipping through snapshots of entries.
Available for transactions, bills, and
invoices.

12. Money User Manual
Getting Started
Menus
Money Menu
Menu name Action Keyboard
Shortcut
About Money Displays the basic information about Money and a link for further
information
Preferences Allows modifying various preferences: general, currency, backup, ⌘,
labels, security, invoice, and taxes
Check for Updates Searches for available updates and displays them
License Allows entering the license code after purchasing the application
Services Displays a list of various applications and features, e.g., Mail,
Skype, TextEdit, etc.
Hide Money Hides Money ⌘H
Hide Others Hides all open applications except Money ⌥⌘H
Show All Shows all open applications
Quit Money Closes Money ⌘Q

13. Money User Manual
Getting Started
File Menu
Menu name Action Keyboard
shortcut
New Account Creates a new bank, cash, credit card, investment, or loan account ⇧⌘N
New Smart Creates a new smart account ⌥⇧N
Account
New WebBank Creates a new connection to your online banking account
New Report Creates a new report ⌘R
New Budget Creates a new budget ⇧⌘B
Edit Account Allows changing account type, name, balance, currency, etc. ⇧⌘I
Reconcile Account Allows comparing your records to your bankʼs account statement
Save Saves any unsaved changes ⌘S
Import Imports data from a file on your hard drive
Export Exports data to a file on your hard drive
Backup Performs data backup to your hard drive or MobileMe account
Revert Loads data from a backup file on your hard drive or MobileMe
account
Close Window Closes Money ⌘W
Page Setup Customizes specific printer options ⇧⌘P
Print Prints a selected page ⌘P

14. Money User Manual
Getting Started
Edit Menu
Menu name Action Keyboard
shortcut
Undo Reverses the effect of the last action made. Choose Undo ⌘Z
repeatedly to step back through all changes made.
Redo Brings the undone action back. Choose Redo repeatedly to redo ⇧⌘Z
all recent Undos until the Undo list is empty.
Cut Removes the current selection and inserts it in the Clipboard ⌘X
Copy Makes a copy of the current selection for the Clipboard ⌘C
Paste Inserts the contents of the Clipboard at the insertion point ⌘V
Delete Deletes the current selection from your document
Select All Selects all entries in the Workspace ⌘A
Find Allows finding and replacing text in selected entry box
Spelling Opens the spelling and grammar window
Special Characters Opens the special characters window ⌥⌘T
Action Menu
Menu name Action Keyboard
Shortcut
Add Item Varies depending on the item selected in the Listbar. For example, in the ⌘N
Accounts list, this menu item will create a new transaction.
Edit Item Modifies the selected entry (transaction, account,etc.) ⌘I
Remove Item Removes the selected entry (transaction, account,etc.) ⌫
Schedule Creates a scheduled transaction from the selected account
Label Assigns a colored label to the selected entry

15. Money User Manual
Getting Started
Window Menu
Menu name Action Keyboard
Shortcut
Minimize Minimizes the Money window ⌘M
Zoom Increases the Money window to the maximum
Hide/Show Accounts List Hides/shows the Listbar on the left
Hide/Show Settings Hides/shows the Settings panel at the bottom of the Listbar
Bring All to Front Brings all Money windows on top of other applicationsʼ
windows
Money When checked, puts the main Money window on top of other
windows, e.g., Invoice Template Editor
Help Menu
Menu name Action
Search Provides a shortcut to any action in Money. Type a keyword for the action you
are looking for, and Search will list all relevant actions.
Money Help Opens Money Help
Quick Start Guide Opens Money Quick Start Guide
License Agreement Displays the license agreement for Money
Release Notes Lists new features for the current and previous versions of Money
Send Feedback Opens a blank e-mail to info@jumsoft.com

16. Money User Manual
Getting Started
Preferences
The Preferences sheet can be found by selecting Money > Preferences. It contains seven
sections:
• General. Here, you can specify the items to be displayed in the Library, manage the lists on
the Listbar, and adjust your settings.
• Currency. This section allows you to set the default currency, operational currencies, and
the base currency for exchange rates. You can also set Money to load the current exchange
rates each time the application is opened.
• Backup. This allows you to indicate whether your data backup is saved on your hard drive
or on MobileMe.
• Labels. You can mark your entries with different colored labels. This Preferences section
allows you to edit the names of the labels (the default names are simply the colors of the
labels).
• Security. Here, you can set a password to secure your Money database. Every time you
start Money, you will be asked to enter the password.
• Invoice. Enter, edit, or delete any information that you want to include in all or most of the
invoices you prepare with Money. The options available include your company name, logo,
and contact information, among others.
• Taxes. For your convenience, you can set the taxes to be used with your transactions.

17. Money User Manual
Getting Started
Currency
The Currency section in the Preferences sheet gives you options for managing your
currencies.
Choosing the default currency
1. Select Money > Preferences > Currency.
2. Click on the drop-down list of Default Currency.
3. Select the appropriate currency. Now the counts and totals will be displayed in this
currency when you work with transactions.
Choosing the operational currencies
1. Select Money > Preferences > Currency.
2. Check the appropriate currencies in the Currency list. Now you will be able to assign any
of the chosen currencies to your accounts and transactions.
Options for inserting currency exchange rates
• Entering manually:
1. Select Money > Preferences > Currency.
2. Double click directly on a currency in the table or select a currency and press the
Update Rate button. The Currency Exchange Rate sheet will appear.
3. Check the currency you need to convert to and enter the rate.
• Downloading:
1. Select Money > Preferences > Currency.
2. Select the base currency for the exchange rates.
3. Click the “-” button at the bottom of the Currency window to uncheck all the
currencies in the table.
4. Check the currency exchange rates you need.
5. Press the Download button at the bottom of the Currency window, and the exchange
rates will be displayed automatically in a few seconds.
Note: If there are no currency exchange rates indicated in the Currency Exchange Rate
table, all the counts in Money are displayed using the default currency, regardless of which
currency you use when adding a transaction.
If you want Money to update the exchange rates of the operational currencies every time
you open the application, check the Download at Startup box.

18. Money User Manual
Getting Started
Labels
Money features a system of colorful labels to facilitate categorization and working with all
entries you may have in any given section of the application.
You can attach a label color to any entry. For example, red might indicate a very important
entry or a group of entries, and gray could signal those of low significance.
Attaching a label
1. Select the entry you want to mark.
2. Select Action > Label.
3. Choose the appropriate color.
To change the names of the colored labels, select Money > Preferences > Labels. The default
names are the names of the label colors.

19. Money User Manual
Importing and Exporting
Formats
If you are switching from another accounting application, you are never isolated with Money.
The application is based on standards and supports QIF, OFX, QFX, and CSV data files,
allowing you to import your financial data from other applications or Internet banking
accounts. Money files can be exported to QIF and CSV.
Open Financial Exchange (OFX) and Quicken Financial Exchange (QFX)
Many online checking and credit card institutions support the Open Financial Exchange, or
OFX, statement file format. Some banks provide statements in the QFX file format, which is
closely related to OFX. Money can import basic transaction lists from statements in both
formats.
Comma-Separated Values (CSV)
Online banks may make your transaction history available in a common text format, CSV
(comma-separated values). The format separates data into fields representing a bit of
information about each transaction, such as the amount or a check number. The order of the
fields should be consistent throughout the file. These files can be viewed and edited in
Numbers and Excel.
Quicken Interchange Format (QIF)
A number of accounting applications and many online banks provide easy access to your
financial information using a standard file format called Quicken Interchange Format, or QIF.
Money lets you import these QIF files with ease by providing several options for working
with the many variations this format allows.

20. Money User Manual
Importing and Exporting
Importing and Exporting
Importing data from your hard drive
1. Select File > Import.
2. Choose a data file on your computer and click Open.
Importing data from your Internet banking account
1. Select File > New WebBank or open the Action menu and choose New WebBank.
2. Enter the WebBank name and the URL of your bank’s Web site.
3. Your bank’s Web site will appear in the Workspace. Follow the usual routine to access
your bank account online. You will be asked to enter your username and password.
4. Once you are in your online bank account, save the account statement in one of the
available formats. After downloading the data file, you will be asked if you want to import
the downloaded file into Money.
5. You will be able to use the WebBank you have created on a regular basis, as it will stay in
the Manage List of the Listbar.
Transactions are downloaded using QIF, OFX, QFX, and CSV formats, which are not
supported by all financial institutions (and some banks may charge a fee for this service).
Please be aware that Jumsoft does not guarantee online access for all accounts.
Exporting data to QIF or CSV
1. Select File > Export.
2. Select the file format.
3. Choose a location on your computer, a file name, and a date format.
4. Click Export.
Note: Exported data is not the same as a data backup. To restore Money to a particular
moment in time, you need to have performed an account backup and follow the backup
with an account revert.

21. Money User Manual
Importing and Exporting
Money Database
If, for some reason, you would like to access your Money database, it is located at your
Home Library > Application Support > Jumsoft > Money.
When you get a new Mac and wish to move your Money database from the old one to the
new one, simply transfer the entire Library or copy the Jumsoft folder to the Application
Support folder in the Home Library of your new Mac.

22. Money User Manual
Accounts
Accounts Overview
Accounts in Money mirror your real-life There is also a sixth type of account called
financial accounts and are not limited to Smart Account. It allows you to gather and
banking. You can create separate accounts automatically update information from all
for your cash, investment, and even loan other accounts based on the criteria you
accounts. They are the first thing you need specify.
to set up in Money to start using the
application. You can set up as many accounts of each
type as you wish, as long as you name them
All of your accounts are kept in the top half appropriately to avoid confusion. For
of the Listbar. You can either keep them example, if you have bank accounts with
hidden under the “Accounts” name or press Citi and JP Morgan, it would make sense to
the disclosure triangle to see the full list. create two separate bank accounts in
Money and name them using the bank
Basic types of accounts names. In addition, if you have cash in
• Bank: Displays all transactions to, from, and several currencies, you can set up different
among your bank accounts. cash accounts and name them “Cash USD,”
• Cash: Tracks your spending in cash when “Cash EUR,” “Cash GBP,” etc.
you take cash out of an account (e.g., an
ATM withdrawal), make an appropriate
transaction (transfer) from the bank to
the cash account.
• Credit card: Displays charges made against
your credit account.
• Investment: Displays your security-related
transactions and reflects your brokerage
account. Portfolio provides summary
information about your holdings across all
investment accounts, as well as gain/loss
totals.
• Loan: Displays loans for which you
maintain a payment schedule.

23. Money User Manual
Accounts
New Account
Opening the New Account sheet • Password: Type the optional password to
• Select File > New Account protect the account so that no other user
• Ctrl+Left click on the Listbar > New of your Mac is able to view it.
Account • Comments: Important notes for your
• Click the “+” button at the bottom of the account.
Listbar
When the account is created, it appears in
New Account options the Account section of the Listbar. You can
• Account type: Bank, Cash, Credit Card, select it and start adding transactions.
Investment, or Loan.
• Account name
• Bank name: Name of the bank where you
keep this Money account (if relevant). If
your bank is not in the list, type its name,
and it will be added to the list of banks.
• Account number: Number of the bank
account where you keep the funds of this
Money account.
• Starting balance: Balance of the account at
the time you start tracking it with Money.
• Currency: The currency which Money will
use for all transactions of the account.
Click on the drop-down menu to choose
it from a set of operational currencies. You
can configure the set in Money >
Preferences > Currency.
• Closed Account: Check the box if you are
no longer using the account. The account
will still be available in the Accounts
section of the Listbar, but its icon will be
grayed-out.

24. Money User Manual
Accounts
Editing Accounts
Changing account settings
1. Select the account whose settings you want to change.
2. Open the Account Action menu and select Edit Account.
3. Change any settings as necessary.
4. Click OK to apply and save your changes.
Deleting an account
1. Select the account that you wish to delete.
2. Open the Account Action menu and select Delete Account.
3. If you have deleted an account accidentally, choose Edit > Undo.
If you do not use an account anymore but still want to keep it as an archive, you may choose
to make it a closed account. Just check the Closed Account box in the Edit Account sheet.
The account will then be displayed separately in the Closed Accounts list of the Listbar. You
will also have the option to exclude it from reports and smart accounts.

25. Money User Manual
Accounts
Loan Account
Creating a loan account When you select the loan account in the
1. Add a new account and choose the Loan Listbar, a list of all your loans appears in the
type. Workspace and displays the following for
2. Configure the standard account options each:
and save the account. • Name
• Number
Configuring loan options • Start date
1. Select your loan account and open • Next date of payment
Action > Add Loan or click the “+” • Payee (if you indicate it when configuring
button in the Transaction Editor. the loan options)
2. Configure the following options to match • Transaction: Withdrawal from the selected
the details of your loan: account
• Loan name: You might choose the • Payment amount (interest included)
purpose of your loan or the institution • Number of payments left
administering the loan as the loan • Total amount remaining
name. • Total amount paid
• Type: By default, withdrawal.
• Account to use: The account that will
be used to make payments.
• Date: The starting date for payments.
• Category: The category of the expense
that is financed by the loan.
• Amount: Total amount of money
originally borrowed from the financial
institution.
• APR: Annual interest rate in
percentage. Note: Money supports
only fixed interest rates.
• Term: The term of the loan payments.
• Payment frequency: How often
payment is required on the loan.
3. Check the Pay Automatically box if you
want Money to make regular
transactions.

26. Money User Manual
Accounts
Smart Accounts
When working with a number of different accounts, you may wish to organize and access
transactions that exist in more than one account. Smart Account allows you to gather and
automatically update information from all other accounts based on the criteria you specify.
Creating a Smart Account
1. Select File > New Smart Account or open the Action menu and choose New Smart
Account.
2. Choose a name for the account.
3. Choose the criterion upon which transactions should be selected, e.g., account type,
name, transaction category, date, etc. To use more than one criterion, click the “+”
button.The selection of criteria is presented in the following way:
“Any/All/None” of the following are true:
“Variable 1” “Variable 2” “Variable 3 (if required)” [field to enter a keyword]
Anytime you select the Smart Account, you will automatically be shown updated information
based on the criteria you have chosen. To change the criteria of a Smart Account, open the
Action menu and select Edit Smart Account.

27. Money User Manual
Accounts
Smart Accounts Criteria
Variable 1 Variable 2 Variable 3 (if required)
Account Bank Name/Number/Routing Code/Transfer contains/begins with/ends
Code/Address/Website/Comments with/is/is not
Account Currency is/is not
Account Comments contains/begins with/ends with/is/is not
Account Name contains/begins with/ends with/is/is not
Account Number contains/begins with/ends with/is/is not
Account Starting Balance is/is not/is less than/is greater than/is less
than or equal to/is greater than or equal to
Account Status is/is not closed
Account Type is/is not Bank/Cash/Credit Card/
Investment/Loan
Transaction Date is/is not/is after/is before/is in the last
Transaction Comments contains/begins with/ends with/is/is not
Transaction Number contains/begins with/ends with/is/is not
Transaction Status is/is not Uncleared/Cleared/
Reconciled
Transaction Type is/is not Withdrawal/Deposit/
Transfer/Dividend/Buy/Sell
Transaction Total Amount is/is not/is less than/is greater than/is less
than or equal to/is greater than or equal to
Transaction Is Scheduled
Transaction Is Transferred [a list of your accounts]
to
Transaction Category Name/Subname/Comments contains/begins with/ends
with/is/is not

28. Money User Manual
Reports
Variable 1 Variable 2 Variable 3 (if required)
Transaction Payee First Name/Last Name/Company/Address/ contains/begins with/ends
Phone/Email/Comments with/is/is not
Transaction Security Name/Symbol/Comments contains/begins with/ends
with/is/is not
Examples of Smart Accounts Criteria
Intro Var 1 Var 2 Var 3 Keyword Results
Any of the Account Name is AnyBank The smart account will contain only the
following Bank entries from accounts with AnyBank or
are true SomeBank assigned as their banks.
Account Name is SomeBank “Any” implies that entries corresponding
Bank to at least one of the listed criteria will
be included.
All of the Transaction Name begins A The smart account will contain only the
following Payee with transactions that happened after June
are true 26, 2008, and included a payee whose
Transaction is after 6/26/2008 name begins with A. “All” implies that
Date only entries corresponding to all listed
criteria will be included.
None of the Transaction contains Food The smart account will include all
following Category entries except the ones with a category
are true name that contains “Food”.

29. Money User Manual
Transactions
Transactions Overview
Transactions is the most important Money function. Transactions reflect your real-life income
and spending, and it changes the balances of your accounts.
Money features three types of transactions:
• Deposits: money is added to the account.
• Withdrawals: money leaves the account.
• Transfers: money is transferred from one account to another.
To switch among the List, Grid, or Cover Flow views of transactions, select one of the three
View buttons from the bar along the top of the window.
To filter transactions by keyword or search for a specific transaction, use the Search field
next to the View buttons.
To mark a transaction with a flag symbol, select it in the Workspace and click the Flag button
in the Transaction Editor.

30. Money User Manual
Transactions
New Transaction
Adding a transaction Editing a transaction
1. Select the appropriate account from the 1. Double click the transaction you want to
Account list. edit or select Action menu > Edit
2. Click the Add button in the Transaction Transaction.
Editor or select Action menu >Add 2. Make the desired changes to the
Transaction. information displayed and click OK.
3. Enter the transaction information in the
New Transaction sheet: Deleting a transaction
• Type: Withdrawal, deposit, or transfer. 1. Select the transaction you want to delete
• Reconciled Transaction: Check the box in the Workspace.
if you have compared the transaction 2. Press the Delete key or select Action >
with the bank statement, and it Remove Transaction.
matches.
• Date Moving a transaction to another account
• Category: Choose one of the existing 1. Select the transaction in the Workspace.
categories or type a new one. 2. Drag it onto the appropriate account
• Split: If your transaction involves more icon in the Listbar.
than one category, select Split and add
as many categories as you need, using
the “+” button.
• Amount: Type the amount and select
one of the operational currencies. If
you do not change the currency, the
default will be used.
• Payee: Choose one of the existing
payees or type a new one.
• Number: The check number if you
paid by check.
• Comment
4. Click OK to save the transaction.
The transaction is now listed in the account
you chose. Note that the account balance
has changed.

31. Money User Manual
Transactions
Transfers and Splits
Money allows you to transfer funds When the selected transfer origin and
between accounts, creating transactions in destination accounts have different
two different accounts that Money knows currencies, Money performs the exchange
are related. When a transfer is created from automatically, using the latest rate in the
an account, a corresponding entry is Money > Preferences > Currency
automatically created in the selected exchange rate table.
destination account. Likewise, changes to a
transfer transaction in one account are
automatically applied to the corresponding
entry in the other account.
Adding a transfer
1. Select the appropriate account in the
Listbar.
2. Add a new transaction by clicking the
Add button in the Transaction Editor or
selecting Action menu > Add Transaction.
3. Choose “Transfer” as the transaction
type.
4. Enter the usual transaction information
and choose the transfer destination
account.
In certain situations, you may wish to
account for multiple categories of cash flow
in a single transaction. Money refers to this
function as a split. After you enter the
amounts for the different categories in the
split, the sum of them becomes the total
amount for that transaction.
You can select Split when creating a new
transaction and add as many categories as
you need, using the “+” button.

32. Money User Manual
Transactions
Reconciling a Transaction
If you are in the habit of comparing your records with those
of your bank on a regular basis, Money makes it easy to track
the monthly statements your bank sends in the mail.
Transaction status
• Uncleared: The transaction is added to the account without
any official confirmation of it.
• Cleared: The transaction has indeed occurred, and you are
sure that it was not contrived.
• Reconciled: The transaction has been compared to and
matches the bank statement. It is the final status that marks
a secure transaction.
Reconciling a new transaction
1. Add a new transaction.
2. When entering the transaction information, check the
Reconciled Transaction box.
Reconciling an existing transaction
1. Open the Transaction Center in the Workspace. Note the
checkbox column next to the total amount column.
2. If you click a checkbox once, a dot appears, indicating a
cleared transaction. If you click twice, a tick appears,
indicating a reconciled transaction. An empty checkbox
indicates an uncleared status.

33. Money User Manual
Transactions
Reconciling an Account
Reconciling an account
1. Select the appropriate account.
2. Select File > Reconcile Account. The Reconcile Account sheet appears.
3. Check the boxes for transactions that are reconciled.
4. At the bottom of the screen, you can compare the following:
• Previous statement balance: Shows the last amount of the account balance that was
reconciled.
• Current statement balance: Shows the current reconciled amount of the account
balance. Updated automatically after you check the appropriate transaction.
• Outstanding balance: Shows the current outstanding amount of the account balance
and is also updated automatically after you check the appropriate transaction.

34. Money User Manual
Settings
Payees
A payee is a company or a person to Editing a payee
whom you pay money. The Payees list 1. Select the payee you want to modify in
allows you to add, edit or remove payees. the Workspace.
2. To open the Edit Payee sheet, choose
Adding a payee Ctrl+Left > Edit Payee or select Edit in
1. Open the New Transaction sheet. the Transaction Editor.
2. Type a new payee in the Payee field 3. Change the settings and click OK when
when configuring the transaction settings. you finish.
3. The company or person will be
automatically added to the list of payees. Deleting a payee
or 1. Select the payee you want to delete in
1. Open the Settings panel. the Workspace.
2. Select the Payees icon that appears. The 2. Press the Delete key or select Action >
list of all available payees will appear in Remove Payee.
the Workspace.
3. Click the Add button or select Action >
Add Payee. The New Payee sheet will
appear.
4. Enter the payee’s first and last names.
5. If the payee is a company, check the “Is a
Company” box.
6. Enter other optional information:
• Address
• Phone
• E-mail
• Comments

35. Money User Manual
Settings
Banks
Most probably, the majority of your real-life Editing a bank
accounts are in banks. You can create a 1. Select the bank you want to modify in
convenient list of your banks in Money. the Workspace.
2. To open the Edit Bank sheet, choose Ctrl
Adding a bank +Left > Edit Bank or select Edit in the
1. Open the New Account sheet. Transaction Editor.
2. Type a new bank in the Bank field when 3. Change the settings and click OK when
configuring the account settings. you finish.
3. The bank will be automatically added to
the list of banks. Deleting a bank
or 1. Select the bank you want to delete in the
1. Open the Settings panel. Workspace.
2. Select the Banks icon that appears. The 2. Press the Delete key or select Action >
list of all available banks will appear in the Remove Bank.
Workspace.
3. Click the Add button or select Action >
Add Bank. The New Bank sheet will
appear.
4. Type the name of the bank.
5. Enter other optional information:
• Bank Number: The national bank code.
• Routing Code: The international unique
identification code, also known as Swift
code.
• Transfer Code: Used for transfers
within the European Union.
• Address: The physical address of the
bank.
• Web Site: The bank’s Web site address.
• Comments.

36. Money User Manual
Settings
Categories
The transaction category defines a class of spending or income. Money has many built-in
categories, and it is very important that you assign a category for every transaction. With the
help of categories, you can view reports and graphs concerning your spending and income.
Your budgets are also based on categories.
Two main types of categories
• Income: includes salary, bonuses, dividends, interest income, allowances, etc.
• Expenses: includes food, rent, travel, clothing, entertainment, etc.
Options for viewing your categories
• Click “Categories” in the Settings panel. A full list of categories will appear in the
Workspace.
• Choose one of your accounts and select the Grid View button from the bar along the top
of the window. A gallery of illustrated categories for that account will appear in the
Workspace.

37. Money User Manual
Settings
New Category
Adding a category Editing a category
1. Open the New Transaction sheet. 1. Select the category you want to modify
2. Type a new category (and a subcategory in the Workspace.
if required) in the Category field when 2. To open the Edit Category sheet, choose
configuring the transaction settings. Ctrl+Left > Edit Category, or select Edit
3. The category (and a subcategory if in the Transaction Editor.
required) will be automatically added to 3. Change the settings and click OK when
the list of categories. you finish.
or
1. Open the Settings panel. Deleting a category
2. Select the Categories icon that appears. 1. Select the category you want to delete in
The list of all available categories will the Workspace.
appear in the Workspace. 2. Press the Delete key or select Action >
3. Click the Add button or select Action > Remove Category.
Add Category. The New Category sheet
will appear.
4. Type a name for your category and, if
required, a name for the subcategory and
code. A subcategory is used when you
wish to describe a transaction more
accurately, e.g., your spending categorized
as “Automobile” might have
subcategories like oil, gas, new wheel, or
new engine.
5. You can drag pictures from Finder onto
the Grid Icon field to illustrate each
category in the Grid View of transactions.
6. Use the Comments field if you want to
describe the category.
7. Click OK.

38. Money User Manual
Getting Started
Inventory
Money gives you an option of setting up a Editing Inventory
detailed list of your products as Inventory. 1. Select the Inventory icon in the Settings
Inventory allows you to follow your stock panel.
on-hand and the sale of products. If you 2. Select the item you want to edit.
have Inventory created, it is easier to 3. Select Action > Edit Item or Edit in the
generate a new invoice because it is based Transaction Editor.
on the Inventory feature. 4. Change the item information and click
OK when you finish.
Creating Inventory
1. Open the Settings panel. Deleting an Inventory item
2. Select the Inventory icon that appears. 1. Select the item you want to delete.
3. Click the Add button or select Action > 2. Press the Delete key or select Action >
Add Item. The New Item sheet will Remove Item.
appear.
4. Enter the Inventory item information:
• Stock-Keeping Unit (SKU): A unique
identifier of the item.
• Item: The item name.
• Description: Description of the item.
• Tax: The percentage of tax applicable
for selling the item. Use only the
integer of the percentage, e.g., 18 or
33. Do not use the “%” symbol.
• Unit Price: Price of the item unit
without any currency symbols. Money
will use the default currency that you
have chosen in Money > Preferences
> Currency.
5. Click OK, and the item will appear in the
Inventory list in the Workspace.
6. Repeat steps 3-5 until you have your full
assortment covered.

39. Money User Manual
Bills
Bills Overview
Some transactions occur more than once. Money can automatically generate transactions
each time they occur to save you time and effort. In Money, this function is called Bills.
Money displays the next occurrence of the transaction in the Bills view of the Workspace.
Differences between a bill and an ordinary transaction
• Bills contain information to tell Money when and how often it should generate the
recurring transaction.
• With Bills, transactions can be generated automatically by Money if you check the Pay
Automatically box when creating a new bill. If you choose to create the transactions by
yourself but forget to do it, Money displays a red alert sign in the Next Date field of the
bill.
Options for bill frequency
• One time • Every four weeks • Every six months
• Every day • Monthly • Annually
• Every week • Every two months
• Every two weeks • Quarterly

40. Money User Manual
Bills
New Bill
Creating a new scheduled transaction Scheduling an existing transaction
1. Select the Bills icon in the Listbar. 1. Select the appropriate transaction.
2. Click the Add button or select Action 2. Select Action > Schedule. A setup sheet
menu > New Scheduled Transaction. A appears.
setup sheet appears. 3. Enter the transaction information:
3. Enter the transaction information: • Frequency
• Type: Withdrawal, deposit, or transfer. • Next Date
• Account: Account from/to which the • Continuous/Numbered
transaction should be made. • Pay Automatically
• Category: Choose one of the existing or
categories or type a new one. 1. Select the appropriate transaction.
• Split: Select if your bill involves more 2. Drag the transaction onto the Bills icon
than one category. in the Listbar. A setup sheet appears.
• Amount: Type the amount and select 3. Enter the transaction information.
one of the operational currencies. If
you do not change the currency, the Deleting a scheduled transaction
default will be used. 1. Select the transaction you want to
• Frequency: The transaction frequency. delete.
• Next Date: Next date the transaction 2. Press the Delete key or select Action >
should occur. Remove Transaction.
• Continuous/Numbered: If the
transaction is continuous, select the
Continuous button. If a specific
number of payments should be made,
select Numbered and indicate this
number.
• Pay Automatically: Check if you want
Money to enter the payment
automatically.
• Payee: Choose one of the existing
payees or type a new one.
• Number: The check number if you pay
by check.
• Comment

41. Money User Manual
Budgets
Budgets Overview
Budgets can be set up in Money to help you keep track of your spending habits.
Money allows you to create multiple budgets so that you can, for example, track both a
household and a personal budget at the same time. A budget in Money consists of two main
parts: permanent income and permanent expenses. Budgeting is based on categories, so the
key to budgeting effectively is to assign appropriate categories to each of your transactions.
Each budget you create is saved and displayed under the Budgets item in the Manage section
of the Listbar. To see the Budget Monitor and a list of all the budgets you have set up, click
the disclosure triangle next to the Budgets icon. Select the budget you wish to view.
Options for budget frequency
• Daily • Two months • Nine months
• Weekly • Quarterly • Annually
• Bi-weekly • Four months • One time
• Monthly • Six months

42. Money User Manual
Budgets
New Budget
Adding a budget Deleting a budget record
1. Select File >New Budget or open the 1. Select the record you want to delete.
Action menu >New Budget. Enter the 2. Press Delete or click Action >Remove
name of the budget and click OK. The Income/Expense.
empty list of Incomes and Expenses will or
appear. 1. Select the budget with the record you
2. Click the “Add” button or Action >Add want to delete.
Budget Item. A set-up sheet entitled New 2. Press Delete to remove the first record
Budget Item will appear. of the budget.
3. Choose Income or Expense.
4. Select the frequency of the income or Deleting a budget
expense. 1. Select the budget you want to delete.
5. Enter the limited sum that you are 2. Click Action > Delete Budget.
planning to receive or to spend.
6. Click OK, and a new record will appear in
the Budget view of the Workspace.
Editing a budget
1. Select the budget you want to edit or
select Action menu > Edit Transaction.
2. To edit the records, click on the double-
arrows of the Category and Frequency
fields, or double click on the Limit field.
To change the name of the budget, double
click on it in the Listbar.

43. Money User Manual
Budgets
Budget Monitor
Once you have finished setting up a budget
(or several), continue adding and
categorizing transactions in your accounts
so that Money can track your financial
activity. Use the Budget Monitor window to
check your progress against your budgets.
Working with Budget Monitor
1. Click the Budget Monitor icon in the
Budgets section of the Listbar. A
summary of all budgets appears in the
Workspace.
2. Choose the parts of a budget you want
to follow–all, income, or expenses–at the
top of the Workspace.
3. Click the Show button at the bottom of
the window and choose a time period to
view. The summary section at the bottom
4. By default, Budget Monitor displays all displays two colored bars. The top bar
budgets. Click the Budget button to represents the proportion of actual
select a specific budget to be shown or earnings for all income categories to the
select all. total budgeted income. The bottom one
represents the proportion of actual
Columns displayed for each budget spending for all expense categories to the
• Category: The name of the budget total budgeted expenses. Budgeted and
category. actual amounts are displayed at the right
• Income/Expenses: Displays a colored bar side of each bar.
to represent the proportion of actual vs.
budgeted expenditures in that category.
• Actual: The total amount of all Red - Yellow - Green -
transactions assigned to the category Income: under close to at/over
budget budget budget
(across all accounts) during the time
period specified. Green - Yellow - Red - at/
• Budgeted: The amount budgeted for the Expenses: under close to over
category during the time period specified. budget budget budget

44. Money User Manual
Invoices
Invoices Overview
Money provides a method for preparing invoices effortlessly. The function is based on the
Inventory feature in Money and covers the products, quantities, and agreed-upon prices for
products or services you provide to your clients. You can use five default styles of invoices or
create new ones and save them as templates with Invoice Template Editor. Invoices are linked
with Money Preferences, so you can avoid adding the same information in every invoice by
setting up your basic information in Preferences.
Setting up your invoice information in Preferences
1. Select Money > Preferences > Invoice. The set-up sheet will appear.
2. Enter the start number for your first invoice; numbering of all subsequent invoices will be
automatic.
3. Enter the following information: the name of your company, your name and surname,
address of your company, phone number, e-mail, and the company’s Web site address.
4. Drag and drop your company’s logo in the Logo drop zone.

45. Money User Manual
Invoices
New Invoice
Creating an invoice 9. Add an Item from your Inventory:
1. Select the Invoice icon in the Listbar. i) Click the plus (“+”) button in the
2. Click Add or select Action > Add Invoice. New Invoice sheet and enter or select
3. Enter a number for your invoice or leave the stock-keeping unit (SKU). All other
the default number that you have cells will be filled in automatically.
indicated in the Preferences window. Alternatively, you can enter the
4. Select the sending date when your Quantity, Item, Tax, and Unit Price
invoice is to be sent or leave the default. manually by double-clicking the
5. Choose the due date, which the buyer appropriate fields.
needs to understand the terms of ii) After the above-mentioned records
payment. are entered, the values of Subtotal,
6. Select one of your accounts. A new Tax/VAT, and Total are computed and
record will appear automatically. displayed automatically.
7. Enter or select your buyer from the Bill 10.If there is some additional tax, check the
To menu. Tax 2 box and enter the percentage
8. Select one of four statuses for your using the integer only (no symbols such
invoice: as %).
• Uninvoiced: The invoice has been 11.If you are giving your buyer a discount,
prepared but not yet sent out. check the Discount box and enter the
• Invoiced: The invoice has been sent out discount percentage in the “%” field or
but not yet paid. the discount amount in the Amount field.
• Paid: The invoice is paid in full. 12.If required, enter a comment.
• Overdue: The due date has passed, 13.Click OK, and the entry will appear in
although the invoice was sent on time. the Invoices list.

46. Money User Manual
Invoices
Invoice Options
Invoice options
• Choose a style for an invoice:
1. Click the Cover Flow View button in the bar at the top of the Workspace.
2. The Style icon appears in the Transaction Editor. Choose the style you prefer.
• Mark invoices with seven colored labels by selecting Action > Label.
• Save an invoice in various formats:
1. Click Preview in the Transaction Editor. The invoice preview will appear.
2. Select File > Save As...
3. Enter the name of an invoice, select the folder in which you want to save it and the
relevant format, and click Save.
• Print an invoice by clicking the Print icon in the Transaction Editor or selecting File > Print
in the Preview mode.
• E-mail an invoice by clicking the E-mail button in the Transaction Editor.
Editing an invoice
1. Select the invoice and press Edit in the Transaction Editor or select Action > Edit Invoice.
2. Change the appropriate information.
Deleting an invoice
1. Select the invoice you want to delete.
2. Press Delete or select Action > Remove Invoice.

47. Money User Manual
Getting Started
Invoice Templates Editor
Money gives you the option of creating invoices and saving them as templates. You are able
to insert records and change default fonts, colors, paper sizes, table styles, and more to meet
your needs. It allows you to prepare invoices effortlessly, to adapt them to your own style,
and use any of them as a template for future invoices.
Opening Invoice Templates Editor
1. Select Invoices in the Listbar.
2. Click the Layouts icon in the Transaction Editor. Invoice Template Editor will appear.

48. Money User Manual
Invoices
Invoice Templates
Creating an invoice template 6. To add additional text boxes, click on the
1. Open Invoice Templates Editor. Text Box icon at the bottom of the
2. Click the Add New button in the top left window and add additional information
corner of the window, and a new to your invoice, e.g., the slogan of your
template will appear. company.
3. Enter the name of your invoice template 7. To add shapes, click on Shapes and place
in the Name field on the right. the inserted shape anywhere on the
4. Choose an effect for the invoice page.
background: 8. To change the color of a default shape,
• None: Leave this option checked if you mark the shape and click on Colors. The
do not need a background. default Apple Color sheet will appear.
• Color: A new box appears. Double Choose a color for the shape.
click on the box, and the default Apple 9. To change the default fonts, click on
Color sheet will appear. Choose the Fonts. The default Apple Fonts sheet will
color for the invoice background. appear. Edit the text of your invoice.
• Gradient: Two boxes and a double
arrow appear. Double click on the
boxes to choose the colors. To change
the direction of a linear gradient, use
the Angle wheel or field.
• Image: A new box and two additional
options appear. Double click on the
box and choose the picture from your
computer. Click Open and the picture
will be inserted in your document.
Select the position of your picture in
the invoice: Center, Scale to Fit, Scale
to Fit Inside, or Stretch to Fit.
5. Drag and drop the information buttons
on the right onto the invoice page. Text
boxes will appear, replacing the dragged
elements. Arrange the boxes on the page
appropriately. Double click on a specific
text box to insert text.

49. Money User Manual
Invoices
Invoice Text Boxes
Text Boxes Options • Total Cost: This field consists of five items:
• Your Info/Your Logo: This information will Subtotal, Tax, Tax 2, Discount, and Total. To
be taken from Preferences, so you should remove one or more items, mark the text
first enter it there. Your Info consists of box, and the list of items will appear
five items: your first name, your last below the Style field on the right.
name, your company name, your phone Uncheck the appropriate item, e.g., Tax 2,
number, and your e-mail. You are able to and it will not be included in your future
delete one or more items, e.g., your invoices created with this template.
phone number, and it will not be included • Invoice Items/Total Cost: When creating
in your future invoices created with this these tables, you have five different styles
template. to choose from. You can, for example,
Note: To delete one item, you should remove the borders from the tables (Style
delete the whole line, e.g. [YOUR PHONE]. 1) or add a line above a table (Style 3). Try
• Client Info: This information will be taken each style and choose the one you prefer.
from the Payees list after you specify the
payee in your invoice. Client Info consists
of five items: first name, last name,
company name, phone number, and e-
mail. You are also able to delete one or
more items, e.g., client’s phone, and it will
not be included in your future invoices
using this template.
Note: to delete one item, you should
delete the whole line, e.g. [PHONE].
• Invoice Items: This field consists of five
items: Description, Quantity, Tax, Unit
Price, and Cost. To remove one or more
items, select the text box, and the item list
will appear below the Style field on the
right. Uncheck the appropriate item, e.g.
and it will not be included in future
invoices created with this template.

50. Money User Manual
Invoices
Invoice Templates Preferences
Editing the invoice page
1. Open Invoice Templates Editor.
2. Select File > Page Setup. A new sheet will appear.
3. Choose the page format for Any Printer or edit Print and Fax Preferences.
4. If you choose the Any Printer format, you will have 14 paper sizes to choose from: US
Letter, US Legal, A4, A5, ROC 16K, JB5, B5, #10 Envelope, DL Envelope, Choukei 3
Envelope, Tabloid, A3, Tabloid Extra, and Super B/A3. If none of them suits your needs,
choose Manage Custom Sizes and enter the width and height of the invoice page.
5. Choose the appropriate paper orientation for the invoice – portrait or landscape.
6. You can also edit the scale of the invoice page; the default scale is 100.
Duplicating an invoice template
1. Select the template you want to duplicate if you need to prepare another very similar
template with minor changes.
2. Click the Duplicate button in the top left corner of the window.
Deleting an invoice template
1. Select the template you want to delete.
2. Click the Delete button in the top left corner of the window.

51. Money User Manual
Investments
Investments Overview
Money can be used to track activity in your investment accounts (like individual retirement
accounts, simplified employee pension plans, etc.). There are two main components that
work together to help you track investments in Money:
• Investment accounts: Designed to reflect your real-life brokerage accounts, this is the place
where you enter information about the securities you own. In order to enter your
securities, you must first create an investment account. Even if you do not maintain a
brokerage account in real life, you must create a “virtual” brokerage account in Money to
enter the securities.
• Portfolio: Provides a quick summary of your gains and losses, the present and historical
value of your holdings, as well as a place to track stock indices.

52. Money User Manual
Investments
Investment accounts
Creating an investment account Editing an investment account
1. Add a new account and choose the 1. Select the account you want to edit or
Investment type. select Action menu > Edit Account.
2. Configure the standard account options 2. The account info sheet will appear, and
and save the account. you can edit details for the account.
Adding an investment transaction Deleting an investment account
1. Select your investment account and open 1. Select the account you wish to delete.
Action > Add Transaction or click the 2. Open the Account Action menu and
“+” button in the Transaction Editor. select Delete Account. Any transfers in
2. Configure the following options to match the account will be deleted, but the
the details of your investment transactions in other accounts to which
transaction: those transfers are connected will
• Type: In addition to the usual remain.
withdrawal, deposit, and transfer types, 3. If you have deleted an account
investment transactions have three accidentally, choose Edit > Undo.
other types: dividend, buy, and sell.
• Account to use: By default, the
investment account.
• Date: Date of the transaction.
• Category: Investment categories come
from the same selection as the usual
ones. Create new categories if
required.
• Security: Symbol of the security Is
usually 1 to 5 letters, used to identify
the security on an exchange.
• Shares: Number of shares.
• Price: Price per share.
• Commission: The amount of
commission paid or earned.

53. Money User Manual
Investments
Investment balances
When dealing with investment accounts, you need to be aware of the following two
balances.
• Cash value: Reflects the amount of cash in your brokerage account. In most cases, cash is
not actually held in your brokerage account for long. It is either spent to purchase securities
or transferred into your bank account. Therefore, you must track each of these transactions
to keep the balance accurate. The cash value of your investment account is displayed as
Total in the transaction view. Destination accounts have different currencies, and Money
performs the exchange automatically using the latest rate in the Money > Preferences >
Currency exchange rate table.
• Market value: Reflects the approximate worth of your portfolio, based on quotes for all the
securities you are currently holding. The market value of your investment account is
displayed in the summary table of Portfolio.

54. Money User Manual
Investments
Securities
To track securities that you own, you must first create an investment account and then add
several investment transactions to record the purchase of those securities. You can then
monitor the performance of your holdings using Portfolio. You can also add securities you do
not own but want to keep on a watch list to follow its quotes. Both types of securities are
displayed in the main table of Portfolio. Three sample securities are displayed in the main
table of Portfolio when you open it for the first time: YHOO, AAPL, and AMZN.
Adding a security you own
1. Select Portfolio and open Action > Add Security or click the “+” button in the Transaction
Editor.
2. Enter the security’s name, symbol, and quote. Make sure the symbol is correct.
or
1. Select your investment account and open Action > Add Transaction or click the “+”
button in the Transaction Editor.
2. When entering the transaction information, enter the symbol of the new security in the
Security field. The new security will automatically appear in the main Portfolio table, but
you will have to enter its full name later.
Adding a security for quote following
1. Select Portfolio and open Action > Add Security or click the “+” button in the Transaction
Editor.
2. Enter the security’s name, symbol, and quote. Make sure the symbol is correct.
3. As you do not own the security, Cost, Shares, Day Change, Market Value, and Gain/Loss
fields will contain the number 0.00.
Editing security information
1. Double click on the security or select it in Portfolio and click the Edit button in the
Transaction Editor.
2. Edit the appropriate information.
Deleting a security
1. Select the security in Portfolio.
2. Press Delete or select Action > Remove Security.

55. Money User Manual
Investments
Portfolio Overview
Portfolio works with your investment accounts to provide summary information about the
securities you own. You can use Portfolio to download quotes, view gains and losses, chart
the performance of your securities over time, and track major stock indices. To view your
Portfolio, select the Portfolio icon in the Listbar. Any securities associated with your
investment transactions or entered directly into Portfolio will appear in the main table of
Portfolio.
The main page of Portfolio includes:
• The main table listing your shares and information about them
• Variations of Portfolio market values
• A graph of a selected security's quote history
• Major world indices' information
Portfolio calculates securities’ values using information from the investment accounts. If, for
instance, you add transactions (buy 9 AAPL shares and sell 4 AAPL shares) to an investment
account, Portfolio shows that you own 5 AAPL shares and displays their cost value.
In the center of the Transaction Editor, Portfolio displays two basic values of your holdings:
• Total Cost: The cost basis, calculated from the price and commission entered for all
relevant transactions associated with your securities.
• Market Value: The current estimated value of your holdings, equal to the quote multiplied
by the number of shares.

56. Money User Manual
Investments
Portfolio Information
Current performance of a security
The main table of Portfolio contains several columns displaying the following information
about each security.
• Name: The security name. Double click to edit this field.
• Symbol: The security’s symbol used on exchanges. Double click to edit this field.
• Cost: The cost basis of the security, calculated from the price and commission entered for
all relevant transactions associated with the security.
• Shares: The total number of shares owned.
• Quote: Current value of the sale price per share. Update this figure automatically by
choosing Action > Download All Quotes. Alternatively, you can double click to enter the
value manually.
• Day Change: The difference between the current quote and the security’s opening price on
the current date.
• Market Value: The current estimated value of your shares, equal to the quote multiplied by
the number of shares.
• Gain/Loss: The difference between the current value of the shares and their purchase
value.
• Comments: Any notes pertaining to the security. Double click to edit this field.

57. Money User Manual
Investments
Portfolio Information
Historical performance of Portfolio
1. Below the main table, on the left, you will see a chart showing your holdings’ market value
for the last four weeks.
2. Move the cursor left or right on the chart to see the market value on specific dates.
Historical performance of a selected security
1. Below the main table, in the center, you will see a chart showing performance over time
for the selected security.
2. Move the cursor left or right on the chart to see the share quote on specific dates.
Major world indices
1. Below the main table, on the right, you will see a table showing the values of major market
indices.
2. Click Refresh in the Transaction Editor to download the latest values.

58. Money User Manual
Reports
Reports Overview
Using Reports allows you to see how Money demonstrates its true value. After putting in
the time and effort to set up your accounts, enter transactions, and categorize your income
and expenses, you can use reports to make sense of all that information quickly and easily.
Reports are based on categories, so the key to generating effective reports is to assign
appropriate categories to each of your transactions.
With very little setup, you can view breakdowns of your spending habits, track the changes in
a particular expense from month to month, list all the transactions assigned to a particular
category, and more.
Each report you create is saved and displayed under the Reports section of the Listbar. Click
the disclosure triangle to reveal your saved reports. Select one to view that report in the
Workspace.

59. Money User Manual
Reports
New Report
Generating a report Editing a report
1. Select File > New Report or open the 1. Select File > Edit Report or open the
Action menu and choose New Report. Action menu and select Edit Report.
The New Report window will open. 2. Change the appropriate information and
2. Type a name for the new report that click OK.
describes the content of your report.
3. Select an account to provide data for the Report preferences
report. You can select one account or all • Save a report in various formats:
of them from the Accounts drop-down 1. Click Preview in the Transaction
menu. Editor. The report preview will appear.
4. Click on Report Type to select one of 2. Select File > Save As...
the 11 different types available. 3. Enter the name of the report, select
5. Select the date range for the report. It the folder in which you want to save it
will differ depending on the report type; and the relevant format, and click
e.g., if the report type is Spending by Save.
Category, the Date Range list displays • Print a report by clicking the Print icon in
nine intervals: Any Date, Last Year, Last the Transaction Editor or selecting File >
Month, Last Week, Yesterday, Today, This Print in the Preview mode.
Week, This Month, and This Year. You can • E-mail a report. Click the E-mail button in
also enter a specific date range in the the Transaction Editor, and Mail will open a
fields “From” and “To.” New Message window with the report
6. Choose the components of your report attached in PDF format.
if the report type supports the
selection. There are five variations
available.
7. Click OK, and the report will appear
in the Manage section of the Listbar.

60. Money User Manual
Reports
Report Options
Report types
• Spending by Category: Lists income, expense, and balance records by category: all
categories, active categories, or one specific category.
• Spending by Payee: Lists income, expense, and balance records by payee (all payees, active
payees, or one specific payee).
• Monthly Income and Expenses: Lists income and expenses records by month. Do not
forget to indicate the date range when generating the report.
• Monthly Budget: Displays the records of your planned budget for the month compared to
the real situation of your income and expenses. Make sure you create a budget first.
• Transactions by Category: Displays all transactions in your accounts by category (all
categories, active categories, or one specific category).
• Transactions by Payee: Displays all transactions in your accounts by payee (all payees, active
payees, or one specific payee.
• Annual Budget: Displays the records of your planned budget for the year compared to the
real situation of your income and expenses. Make sure you create a budget first.
• Monthly Report: Displays only total amounts of income and expenses for all months or a
specific one. Also displays the top 5 categories of income and expenses.
• Spending by Category Comparison: Displays a comparison of your expenses by category.
• Spending by Payee Comparison: Displays a comparison of your expenses by payee.
• Account Balance: Displays the account balance.
Report components
• Text only
• Pie chart
• Column chart
• Text and pie chart combined
• Text and column chart combined

61. Money User Manual
Reports
Smart Reports
Using a method similar to Smart Accounts, you can create reports that contain different
criteria you choose.
1. Select File > New Report or open the Action menu and choose New Report. The New
Report window will open.
2. When configuring the report settings, click on the disclosure triangle next to More
Options.
3. Choose the criterion upon which transactions should be selected, e.g., account type,
name, transaction category, date, etc. To use more than one criterion, click the “+”
button.The selection of criteria is presented in the following way:
“Any/All/None” of the following are true:
“Variable 1” “Variable 2” “Variable 3 (if required)” [field to enter a keyword]
To change the report criteria, select File > Edit Report or open the Action menu and select
Edit Report.

62. Money User Manual
Reports
Smart Reports Criteria
Variable 1 Variable 2 Variable 3 (if required)
Account Bank Name/Number/Routing Code/Transfer contains/begins with/ends
Code/Address/Website/Comments with/is/is not
Account Currency is/is not
Account Comments contains/begins with/ends with/is/is not
Account Name contains/begins with/ends with/is/is not
Account Number contains/begins with/ends with/is/is not
Account Starting Balance is/is not/is less than/is greater than/is
less than or equal to/is greater than or
equal to
Account Status is/is not closed
Account Type is/is not Bank/Cash/Credit Card/
Investment/Loan
Transaction Date is/is not/is after/is before/is in the last
Transaction Comments contains/begins with/ends with/is/is not
Transaction Number contains/begins with/ends with/is/is not
Transaction Status is/is not Uncleared/Cleared/
Reconciled
Transaction Type is/is not Withdrawal/Deposit/
Transfer/Dividend/Buy/Sell
Transaction Total Amount is/is not/is less than/is greater than/is
less than or equal to/is greater than or
equal to
Transaction Is Scheduled
Transaction Is Transferred [a list of your accounts]
to

63. Money User Manual
Reports
Variable 1 Variable 2 Variable 3 (if required)
Transaction Category Name/Subname/Comments contains/begins with/ends
with/is/is not
Transaction Payee First Name/Last Name/Company/ contains/begins with/ends
Address/Phone/Email/Comments with/is/is not
Transaction Security Name/Symbol/Comments contains/begins with/ends
with/is/is not
Note: Remember that the report outcome is also determined by the standard report type,
date range, etc. that you chose when configuring the report settings.
Examples of Smart Reports Criteria
Intro Var 1 Var 2 Var 3 Keyword Results
Any of the Account Name is Citi The report will contain only the entries
following is Bank from accounts with Citi or JPMorgan
true assigned as their banks. “Any” implies
Account Name is JPMorgan that entries corresponding to at least one
Bank of the listed criteria will be included.
All of the Transaction Name begins A The report will contain only the
following is Payee with transactions that happened after June
true 26, 2008, and included a payee whose
Transaction is after 6/26/2008 name begins with A. “All” implies that
Date only entries corresponding to all listed
criteria will be included.
None of the Transaction contains Food The report will contain all entries except
following is Category the ones with a category name that
true includes Food.

64. Money User Manual
Security
Password
If you share your computer with other users, you may be concerned that they could access
your financial records. You will be pleased to know that Money provides simple password
protection to lock your sensitive data away from unwanted visitors.
Enabling password protection
1. Select Money > Preferences > Security.
2. Click Set Password.
3. Enter and confirm the password in the sheet that appears.
The next time you try to open Money, the password field will appear. Enter the password
and press Enter (Return).
Disabling password protection
1. Select Money > Preferences > Security.
2. Click Remove Password.
3. Enter the password in the sheet that appears.