SplashMoney User Guide
for Desktop Only version

 

Table of Contents

Introduction
Installation
Registration
Quick Start
Online Banking

Accounts
Register
Menu Options
Importing data
Transactions
Transaction Types
Scheduled Transactions
Transferring funds between Accounts
Split Transactions
Multiple Currencies
Balancing Accounts
Deleting Transactions
Purging Transactions
Reports and Charts
Budgets
Security
Import/Export
Importing Data from an Online Bank


 

Introduction

SplashMoney is a personal finance application for Windows and Mac OS that allows you to:

  • Record checking, savings, credit card and cash transactions.
  • Track your account balances.
  • Download bank data from online banks.
  • Reconcile your bank statements.
  • Generate budgets, reports and charts.
  • Transfer data to Quicken, Microsoft Money or a spreadsheet.

Installation

Launch the SplashMoney Installer and follow the on screen instructions. The installer installs the following files:

  • SplashMoney Desktop - A desktop application used to view and edit information on the desktop.
  • SplashMoney User Guide - This user guide.

Registration

When you launch SplashMoney, you will be prompted to enter a registration code or to run in Trial mode. You may run the software for 15-days in full-functioning Trial mode. The Trial software and Registered software are identical. Once the trial period ends you must purchase and enter a registration code to continue using the software. You do not need to re-install the software. Simply enter a registration code and your Trial version will be converted into a Registered version and all your data will remain intact.

Quick Start

  1. Launch SplashMoney Desktop.
  2. Select one of the default accounts, such as Checking, to enter the Register View.
  3. To add a new transaction, click the new button .
  4. Enter a Payee, an Amount, and select a Category from the list (e.g., "The Gap", $25, Clothing) and click OK to close the New Transaction dialog. You'll return to the Register and the transaction you entered will be displayed and your ending balance will be updated.
  5. You can perform several tasks, including recording transactions, online banking, budgeting, reporting, and reconciling.

Accounts

Accounts Pane

When launch SplashMoney you are presented with the Accounts Pane on the left. Several sample accounts will appear. You can edit these accounts or create new ones. SplashMoney supports the following account types:

  • Checking - for tracking checking accounts
  • Savings - for tracking savings accounts
  • Credit - for tracking credit card accounts
  • Cash - for tracking your cash expenditures
  • Asset - for tracking assets such as Home Equity, Vehicles or Retirement Accounts
  • Liability - for tracking liabilities like Mortgages and Auto loans
  • Money Market - for tracking your money market accounts
  • Line of Credit - for tracking your line of credit accounts

Account Info

You can create an unlimited number of accounts. The Account Info dialog lets you enter the following information:

  • Name: The name of the account (e.g., Checking).
  • Online: Click the selector to enable/disable online banking.
  • Type: Checking, Savings, Cash, Credit, Asset, Liability, Money Market or Line of Credit.
  • Bank: The name of the Bank (optional, will be filled automatically in online banking).
  • Account #: The account number (optional, will be filled automatically in online banking).
  • Beg. Bal.: The beginning balance. Note: You must enter the beginning balance for Credit and Liability accounts as a negative amount.
  • Currency: The currency used for this account. Each account may use a different currency.
  • Icon: Click to select a custom icon.
  • Include in Account View Total: Select this checkbox if you want the account balance to be included in the Total Balance (Net Worth) that appears on the bottom of the Account View.

Online Banking

SplashMoney can connect to many online banks using OFX "Direct Connect" technology. Ask your bank if you are able to use their online service with Direct Connect. They will probably want to hear that you are using it with Quicken 2000 or later, since many banks have business relationships with Quicken. But in most cases, if it works with Quicken, it will work with SplashMoney since we are employing the same technology.

To set up online banking, open the Account Info dialog by double-clicking the account you wish to edit.

Account Info
 

Then click Online Setup. In the Online Setup dialog, you will need to enter:

  • Bank Name (if your bank is supported it will appear on the list)
  • Customer ID - Enter your online banking Customer ID provided to you by your bank.
  • Password - Enter your online banking Password provided to you by your bank.
  • Account - after entering your login data, you can select your account.

Note: In some cases the username/password you use to log into your bank's web-site is different than the username/password required for "direct connect" online banking as found in SplashMoney and Quicken. Check with your financial institution to see if you need a special username/password for direct connect online banking and whether any fees apply.

Once you have set up an account for online access, you can click the Go Online button  to download recently cleared transactions from your bank directly into your SplashMoney register.

Note: When transactions are downloaded from your bank SplashMoney will attempt to match those transactions with any existing transactions in your register, or will add them as New transactions. You will be prompted to Review the downloaded transactions and verify whether they are Matching or New transactions.

Register

Tabs are used on the desktop to allow quick access to the Register, Reports, Budgets, and Reconcile tool. The Account View on the handheld application is constantly available in the Accounts pane on the left of the desktop application.

SplashMoney Desktop

Menu Options

The following menu options are available in the SplashMoney Desktop.

File

  • New Account - Create a new account.
  • Delete Account - Delete selected account.
  • Account Info - Edit selected account settings.
  • Go Online - Download transactions from online bank.
  • Adjust Ending Balance - Open the ending balance dialog.
  • Purge Transactions - Open the purge dialog.
  • Upcoming Transactions - Open the Upcoming Transactions dialog.
  • Set Password - Set a password to encrypt and protect your data.
  • Import - Import QIF, OFX, or CSV data from other applications or backup.
  • Export - Export QIF or CSV data.
  • Print - Print the displayed data.
  • Print Preview - View preview of the document before sending to the printer.
  • Print Setup - Edit the settings for the printer.
  • Exit - Quit the SplashMoney Desktop.

Edit

  • Undo - Cancels the last action.
  • Cut - Deletes selected data and places it on the clipboard.
  • Copy - Copies selected data to the clipboard.
  • Paste - Pastes data from the clipboard.

View

  • Show Columns - Select which columns of data are displayed.
  • Row Color - Opens the Choose Row Color Dialog.
  • Set Font - Opens the Select Font Dialog.
  • Preferences - Show/hide decimals, set the date and number formats.
  • Status bar - Shows/hides the Status bar.

Transaction

  • New - Opens the Edit Transaction dialog for a new transaction.
  • Edit - Opens the Edit Transaction dialog for the selected transaction.
  • Delete - Deletes the selected transaction.
  • Transfer - Opens the Transfer Dialog for transferring money between 2 accounts.

List

  • Edit Payees - Opens the Edit Payees Dialog.
  • Edit Categories - Opens the Edit Categories Dialog.
  • Edit Classes - Opens the Edit Classes Dialog.
  • Edit Currencies - Opens the Edit Currencies Dialog.
  • Edit Transaction Types - Opens the Edit Transaction Types Dialog.
  • Edit Scheduled Transactions - Opens the Scheduled Transactions Dialog.

User Menu - a list of the Palm user names that synchronize with your desktop. Make sure you have the correct one selected to ensure synchronization.

Help

  • About SplashMoney Desktop - Opens the About Dialog.
  • User Guide - This User Guide.

Transactions

Edit Transaction
Edit Transaction Dialog
 

Adding/Editing Transactions

To create a transaction, click the New button in the Register View. The Edit Transactions dialog appears. You may fill in the following fields:

Account: In the top right, you may select which account to add the transaction to. The default selection will be the account in which you initiated the transaction.

Date: Date of transaction.

Payee: The name of the Payee. You may enter a name or select from the popup list of memorized Payees.

Type: Type of transaction (check, deposit, withdrawal, ATM, etc.). Note: if you choose check#, the next check number will be automatically entered but you can change the check number if desired. You may also create custom transaction types (see Transaction Types).

Amt: The amount of the transaction. The amount is recorded in your home currency, known as your base currency. You may enter a foreign currency and its exchange rate by clicking the Currency Converter (X) icon (see Multiple Currencies).

Cat: You may enter a Category (e.g., Auto, Dining, Groceries, etc.) and/or Class (e.g., Personal, Business, etc.) in the Category field. Just as in Quicken and Microsoft Money, Categories and Classes are separated by a slash (/) and you can also split a transaction over multiple Categories and Classes by selecting SPLIT from the Category popup menu. You may enter the Category and Class or select from the popup menus of memorized items. The Category menu appears on the left and the Class menu appears on the right. SplashMoney includes predefined categories and classes, which you can modify. You may also transfer money to another Account by selecting the Account name enclosed in brackets (e.g., [Visa]) from the bottom of the Category menu (see Category Transfers).

Memo: Enter a memo, or click the memo icon to enter more information.

State: Select the state of your transaction: Uncleared if the transaction has yet to clear your bank, Cleared, Reconciled if the transaction has been verified against your statement, and Void to disallow the transaction (see Balancing Accounts).

Delete: This button only appears when editing an existing transaction (see Deleting Transactions).

Purge: This button only appears when editing an existing transaction (see Purging Transactions).

Transaction Types

SplashMoney includes several built-in transaction types (check, deposit, withdrawal, ATM, etc.) and you can create additional custom transaction types. To create a custom transaction type, select Edit Transaction Types from the List Menu, click New, choose Deposit or Withdrawal and enter a name. Once you've created a custom transaction type, its name will appear in the Type popup menu in the Edit Transactions dialog.

Scheduled Transactions

SplashMoney supports Scheduled Transactions, enabling you to setup transactions that occur on a regular basis. Once you setup a Scheduled Transaction, you can choose to record it manually or be reminded when it's time to record the transaction.

Creating/Editing Scheduled Transactions

  1. Select Edit Scheduled Transactions from the List Menu. The Edit Scheduled Transactions dialog appears.
  2. Click New. The Edit Scheduled Transaction dialog appears.
  3. Enter the Account this transaction will affect from the Acct popup menu.
  4. Click the Date picker to open the Change Repeat dialog and specify the date and frequency of the transaction (see Repeat Frequency below).
  5. Complete the rest of the fields in the dialog (Payee, Type, Amount, Category, etc.) and click OK to complete the setup of the scheduled transaction.

Repeat Frequency

There are several options available for the frequency of Scheduled Transactions and how you want to enter them in your register, as follows:

Next Date: The date of the next (or first) occurrence.

Frequency: Monthly, Twice a month, Quarterly and so on.

Repeat: Select Indefinitely for a transaction that is ongoing (e.g., Cable TV) or # of Times for a transaction that occurs a specified number of times (e.g., car loan or mortgage).

Enter: Choose one of the following options for how you want the scheduled transaction to be entered into your account register:

  • Manually: Requires you to manually record the transaction. You will be prompted when you launch SplashMoney if there are any due transactions so you can manually record them (see Recording Scheduled Transactions below).
  • Automatically: The transaction will be automatically entered into your register on the due date without prompting you. A checkmark icon () will appear in the Edit Scheduled Transaction dialog indicating that this transaction will be automatically entered on the next due date.

Recording Scheduled Transactions

Depending on how you choose to enter scheduled transactions you will receive one of the following alerts:

Scheduled Transactions prompt: If you have one or more transactions that are due you will be prompted to view them when you launch SplashMoney. If you click Yes, you will be taken to the Upcoming Transactions dialog where you can record them. If you click Later, you will be reminded again the next time you launch SplashMoney.

Upcoming Transactions dialog: You may view and record scheduled transactions by selecting Upcoming Transactions from the File Menu. The Upcoming Transactions dialog displays all scheduled transactions thru the date specified in the Thru popup menu. You may select a scheduled transaction and click one of the following buttons:

  • Record All: Records all transactions currently in view.
  • Record: Records the selected transaction.
  • Edit: Opens the selected transaction where you can make a change (e.g., the amount or date) to that specific transaction and record it. Note: If you wish to edit all occurrences of the scheduled transaction you may do so in the Edit Scheduled Transactions dialog.
  • Skip: Allows you to delete that specific occurrence of the scheduled transaction. Future transaction will still occur. Note: If you wish to delete all occurrences of the scheduled transaction you may do so in the Edit Scheduled Transactions dialog.
  • Done: Closes the dialog.

Transferring funds between Accounts

Edit Transaction
Transfer Dialog
 

You may transfer funds between your accounts using one of the following methods.

Transfer Funds

Click the Transfer button button in the Account View or select the Transfer command from the Accounts Menu.

Date: Enter the date of the transaction.

From: The Account the funds will be withdrawn from.

Amount: The amount of the transfer.

To: The Account the funds will be deposited into.

Cleared: Whether or not the Transfer is cleared. (Chances are the transfer has cleared your bank since they probably conducted the transfer. But you can always mark it as cleared later when reconciling your account.)

Category Transfers

SplashMoney displays the name of each Account in brackets at the end of the Category list (similar to Quicken and Microsoft Money). This enables you to transfer funds to an account from within the Edit Transaction dialog. For example, when writing a check for your Visa bill, you could create a new transaction in your Checking account and select [Visa] from the Category popup. This will create a corresponding deposit in the Visa account in the same amount. These two corresponding transactions are dynamically linked and if you change the data in one, it will be reflected in the other.

Split Transactions

Split Dialog
Splits Dialog
 
Transactions may be split across multiple categories, by selecting --SPLIT-- from the Category popup. The Splits dialog will be displayed where you can select up to 10 categories to split the transaction across. Following are some examples of why/how you would perform a Split Transaction:
 
Example 1: You write a check to your mortgage company that includes mostly interest and some principal. You want to track each separately in a Mortgage Liability account, and a Home Equity Asset account.  
Account Checking
Type Check #
Payee MortCo
Amount $1000
Category
--SPLIT--
  [Mortgage Acct]
$900
  [Home Equity]
$100
  Total
$1000

Example 2: You bought some groceries with a debit card and withdrew additional cash. You want to track the amount you spent on groceries, and track the cash deposit in your Cash Account.

 
Account Checking
Type EFT
Payee Thriftway
Amount

$50

Category

--SPLIT--

  Groceries $30
  [Cash Acct] $20
  Total $50

Multiple Currencies

SplashMoney supports multiple currencies allowing you to track accounts in different currencies as well as recording individual transactions in different currencies and converting them to your account currency. You must specify a Base Currency, and all other currencies will have a conversion rate relative to the Base Currency. Each account can use a different Account Currency, but there is only one Base Currency. In the Accounts Pane, each account balance is displayed in its own currency. But the Total Balance (Net Worth) at the bottom of the Account View is calculated by converting each account total to the base currency and summing the account totals.

Editing Currencies

You may create up to 15 currencies, each with its own conversion rate. One currency must be defined as your Base Currency with a conversion rate of 1.0. All other currency conversion rates will be in relation to the Base Currency. Conversion rates are dynamically updated as you create new transactions and edit the Conversion rate in the Set Currency dialog, discussed below. To edit/create a Currency:

  1. Select Edit Currencies from the List Menu.
  2. Specify one of the currencies as your Base currency by selecting it and clicking Base.
  3. Select an existing currency and click Edit, or click New to create new Currency.
  4. Enter a currency symbol (up to 4 characters).
  5. Enter a conversion rate. The conversion rate is relative to the base. For example, if your base is a dollar ($) and you want to enter the conversion rate for the Euro (E) and the conversion rate is 0.924275 Euros to the Dollar, the conversion rate is calculated by dividing 0.924275 Euros by 1 Dollar (0.924275/1) resulting in a conversion rate of 1.08193.
  6. Click OK.

Entering a Foreign Currency in a Transaction

While entering a transaction in the Edit Transaction dialog, click the Currency Converter button currency button, which appears to the right of the Amount Field.

  1. Select a Currency from the Currency Popup.
  2. Enter a Currency Amount in the From field.
  3. Enter the Conversion Rate.
  4. Click OK. The converted amount in your Account Currency appears in the Amount field.

Since conversion rates change daily, they can be edited while entering a transaction in the Convert Currency dialog. When you edit the conversion rate for a transaction, you are only editing the conversion rate for that specific transaction. It will not affect the conversion rate for any previously entered transactions. When you enter future transactions, however, the last conversion rate entered for that currency is recalled.

Balancing Accounts

You can balance your SplashMoney account so that it matches the closing balance on your bank statement using one of the two following methods: 

Reconciling


Start Reconciling

 

Click the Reconcile tab and enter the beginning and ending balance from your printed bank statement.

Check off each of the items that match your printed statement. You can return to the Register by clicking the Close button and add or modify transactions if there are missing transactions. Then return to the Reconcile dialog to pick up where you left off.

Once you've marked all the items that match your statement the Difference displayed at the bottom should = 0.

If it does not, SplashMoney will create an Adjustment transaction to reconcile the accounts.

Click Done and the marked items will be marked as Reconciled in the Register.

Adjusting Ending Balance

As a simpler alternative to Reconciling, you can easily change your Ending Balance by clicking the Ending Balance amount in the Register View and entering a new amount. When you do this, SplashMoney actually adjusts the Beginning Balance by the appropriate amount to get the Ending Balance to equal the desired amount. This method is the quickest and easiest way to make sure your SplashMoney register reconciles with your bank statement or a desktop application like Quicken or Microsoft Money, but it does not provide any record of the adjustment you made to the register.

A note about the difference between Balance and Cleared Ending balances:

  • Balance: This is the total of all transactions in your register, both Cleared and Uncleared.
  • Cleared Balance: This is the total of all Reconciled and Cleared transactions in your Register. These transactions have cleared your bank and should match your bank's online balance or your bank's printed statement.

Deleting Transactions

SplashMoney provides several methods for removing transactions, each with unique characteristics, as follows:

Deleting Transactions

When you delete a transaction it removes it from your register and it is no longer calculated into your account balance. You should not delete valid transactions as it will alter your balance and potentially cause problems when reconciling. It is recommended that you purge valid transactions instead.

Purging Transactions

When you purge a transaction, it is removed from your register but your beginning balance is adjusted by the amount of the transaction being purged. The end result is that your ending balance will be accurate even though the purged transaction is no longer listed in the register. For example, you can purge all cleared transactions or all transactions over 3 months old, and still have an accurate ending balance.

You can purge transactions individually in the Edit Transactions dialog, or in batches as follows:

Purge Before: As an alternative to purging all cleared or reconciled items, you may wish to keep several months worth of transactions on your handheld for your records. Using the Purge Before command you can purge transactions before a specified date. Note: Any items that are purged will be automatically cleared and your Beginning Balance will be adjusted so that the Ending Balance will remain accurate.

Purge Cleared: SplashMoney will remove the cleared transactions from your register and adjust your Beginning Balance by the total amount of the purged transactions, so that your Ending Balance will remain accurate.

Purge Reconciled: SplashMoney will remove the reconciled transactions from your register and adjust your Beginning Balance by the total amount of the purged transactions, so that your Ending Balance will remain accurate.

Voiding Transactions

If you void a transaction, the transaction will remain in your register, so you have a record of it, but its amount will be ignored and not calculated in your account balance.

Reports and Charts

report
Report View in Pie Chart Format
 

SplashMoney will generate reports showing how you are spending your money over a specified period of time. Click the Reports tab to generate a Report. The default report shows spending by Payee for the last 90 days. You can generate reports based on Payee, Category or Class.

Define Report

You may customize the report by specifying which Accounts to include, the type of report (Payee, Category or Class), the time period, report type (Textual or Pie Chart), and the Amounts to be displayed (Income or Expenses.

 

Drill-down Report

In either the Report View or Pie Chart View, you may drill-down on any item in the report by double-clicking on it. For instance, if you are viewing a report by Category, you can double-click "Groceries" to generate a Drill-down report showing all the transactions that are assigned to the Groceries category in that time period.

Tip: You can find all the transactions that are not categorized by generating a Category Report and clicking the total for <Unassigned>. This will create a Drill-down report for all the Uncategorized transactions. You can then open each transaction and assign categories to them.

Budgets

budget
Budget View
 

Budget View

SplashMoney allows you to view reports comparing budgeted amounts to actual amounts. Click the Budget tab to open the Budget View. The default Budget shows spending by Category for the current month. You can create budgets for each Category, Class and Payee.

Define Budget

In the left pane, you can specify the Budget type (Payee, Category or Class), and the time period.

Budget Amount

You specify the budget amount for each item (Category, Class or Payee) by clicking on the Budget Amount in the Budget column. This will open the Budget Amount dialog where you specify a monthly budget amount for that item.

Note: You may only specify a monthly budget amount for each item. When you are viewing a budget report for a time period of a Quarter, the monthly amount will be multiplied by three, and when viewing by a time period of a Year, the monthly amount will be multiplied by 12.

Drill-down Report

If you double-click the item name (Category, Class or Payee) in the Budget view, it will open the Drill-Down Report for that item. The drill-down report will show all the transactions associated with that item in that time period (Month, Quarter or Year).

Security

budget
Enter Password
 

You can secure your data in SplashMoney so that a password must be entered to access the application. You will be required to enter the password when launching SplashMoney.

Setting a Password -- Select Set Password from the File Menu. The Set Password dialog is displayed. Enter a password in the New Password field, and verify the password by entering it again in the Confirm field. 

Entering a Password -- You will be required to enter your password each time you launch SplashMoney.

Changing a Password -- To change a password, select Set Password from the File Menu, enter your Old Password, then enter and confirm the New Password.

Removing a Password -- To remove a password, select Set Password from the File Menu, enter your Old Password, then leave the New Password and Confirm fields blank.

Import/Export

You can import QIF, OFX and CSV into the SplashMoney desktop. Select Import from the File menu to access these commands. SplashMoney can also export to QIF or CSV in order to backup and transfer data to other applications. Following is a description of these formats:

  • QIF - The old Quicken format. Quicken 2005 exports to this format but will not import it.
  • OFX - Also known as QFX (Quicken), Open Financial Exchange (OFX) is the standard recently adopted by Quicken, Microsoft Money, and many US online banks.
  • CSV - Comma Separate Values; a widely supported text format that can be opened in spreadsheets such as Excel and text editors such as NotePad and Text Edit.

Importing data into SplashMoney from an online bank

Data (Transactions) may be transferred into SplashMoney by importing a QIF or QFX file. Most online banking institutions will allow you to export transactions in QIF or QFX format. To import data to SplashMoney from an online bank, do the following: 

Download a QIF or OFX file - From your online bank, follow the steps necessary to download transactions in QIF or QFX format.

Launch SplashMoney - Open the SplashMoney Desktop and drag the QIF or QFX file into the Accounts Pane, or select Import from the File Menu. Then you must select an Account to import the transactions into or choose <New Account> to create a new account for the transactions.