Question about Jiving / Reconciling your Accounts?
Need to learn how ClearCheckbook handles reconciling/balancing/clearing your accounts and transactions? We call this Jiving and you can check out our dedicated walkthrough on this process here: Complete Jiving tutorial and walkthrough
To add a gadget, there is a link in the Account Dashboard description to add a new gadget. When you click on this, it will bring up a display where you can choose from all the gadgets and add the one you want.
If you would rather have the account summary as the main accounts page, go to the Account Summary by clicking on the 'Summary' link at the top right of the page. After the Account Summary loads, click the link at the top right that says "Make this my Accounts homepage."
There are two ways to add transactions to the site. You can click on the Add Entry button at the top of each page, which will pop up a window to add transactions, or you can go to the Account Dashboard and enter them through the Add Transaction gadget.
To create a transfer, click on the Add Transaction form and then from the Transaction drop down, select Transfer. Now you can select what account the money will be transferred from and which one it will be transferred to.
To make a payment to your card, click on the Make Payment link above the transactions. This will bring up a typical add transaction form. If you're paying off the balance in full, simply select all the transactions that are included in this payment and then click the "Get Selected" link next to the amount and it will calculate the amount you're paying. You can then select what account you're paying from and what credit account you're paying to.
On the Credit Card page, there are three options that determine what transactions appear here. You can view Paid items, Payments and Purchases. Paid items are transactions that have been marked as paid off. Payments are the actual deposit made to the credit card. Purchases are the unpaid transactions still sitting on the card.
To delete transactions, click on the checkboxes to the left of each transaction you want to delete and then scroll down and click the Delete button. This will ask you if you're sure you want to delete the transactions, and then upon confirming, remove them.
To edit transactions, you can either click on the transaction itself, or you can select the check box on the left side of each transaction and then scroll down to the bottom of the page and click Edit. This will bring up a form that allows you to change the transaction or transactions. Premium users have the ability to edit multiple transactions at a time.
The View Options allow you to select how you want to view your transactions. If you only want to view jived/cleared transactions, you can click on the Jived link. If you only want to view deposits, click on the Deposits link, etc.
Jived means a transaction has been cleared/reconciled/balanced/etc. You can jive a transaction by clicking on the small checkmark icon located next to the transaction amount. When a transaction is jived, the row will turn a darker green and the checkmark icon will darken. This is meant so you can see how much money has been cleared and compare this with your bank account.
No Account shows up when you have transactions added to your register that aren't assigned to a specific account. In order to have your balances accurately reflect all of your transactions we need to include those unassigned transactions, so we put them in the No Account account. To remove this from your balances overview, simply click on the No Account link and either delete all of the transactions or edit them and assign them to an account.
Yes, you can! If you're a premium member, you can save your search criteria and give them names. This will let you easily and quickly pull up old searches, or searches you conduct frequently.
To save a search (or custom report), first enter your search criteria and click the Search button. Next, click the Saved Searches (or Saved Reports) link below the search button and give your search a name. After that, simply click the Save button and you can then pull up that search criteria again in the future.
The search page gives you many different options for searching for transactions. The first option to choose is the time frame. You can use the drop down box to select a pre-defined time period, or use the date boxes to select a custom range. After selecting a time range, you can determine what accounts you want to search through. The next option lets you determine what categories you want to search through. There are some miscellaneous options you can use too. You can search by keyword (this searches through the descriptions), an amount range and whether or not the transaction is jived or not.
After clicking Search, you will be presented with your results, plus the amount of deposits and withdrawals for the results.
To view your spending categories in report format, you can go to the line or bar charts and then scroll to the bottom and have an interactive comparison to see how your spending categories compare against each other.
You can also view pie charts of your category spending by clicking on the Pie report option. If you want to see the amounts per category per month, you can click on the Text report option.
To view more than 12 months of report data, you can upgrade to our Premium Membership. This will let you view report data for as far back as you have transactions. When you're a Premium Member, there will be a search box at the top of the page under the report types that lets you select the beginning month and year for the reports. If you're a premium member and this isn't appearing, it's because you don't have more than 12 months of data stored in the site.
We have 5 different types of reports you can view. The first and default is the line charts. This graphs your spending and savings in line format. You can switch to the Bar view to view the same data in bar chart format. The Pie option lets you view your spending categories in Pie format. The Text option shows all of your spending by category for the last year in your various categories. The Cloud option lets you see what categories most of your spending is taking place in.
Notes are a handy way to jot down bits of information that you want to remember. This could be anything from wishlist items that you want to purchase, or anything else you might want to remember. You can create as many notes as you want and order them any way you please.
To look at different periods of time, use the scroller located under the history chart and move it to the left side of the page. This will change the date range at the top of the page. When you have reached the date range you want, release the scroller and you will see transactions stored during that time.
The Transaction History is a way to graphically see when transactions were edited or deleted and then give you the ability to undo those changes. This is a Premium feature and only available to premium members. However, if you're not a premium member, all data is still backed up in the Transaction History, so if you become a premium member, you can still undo changes made while you were a free member.
The Transaction History is a tool for premium members only. However, if you make changes to your transactions as a free member and then upgrade to premium, you will be able to undo changes that were made during your free membership time.
You can export your transactions as a CSV, QIF, OFX or QFX format. You can also select a date range for the transactions you want to export. If you want to export transactions for a specific account, you can do that too.
If you have a premium membership you can change the number of days to display bills for (30, 60, 90, 120). To change the days, click on the linked days number under the Bills Due amount. This will bring up a form where you can change the number of days.
Yes, you can mark a bill as being paid without entering a transaction by clicking on the bill, then click on the Pay Bill link. At the bottom of the form is a link to pay the bill without recording a transaction. The downside to this is your payment history does not get updated as we don't know the details of the transaction.
By default, we show you the last payment date and amount made for a bill. If you want to view a more detailed history, click the "Payment History" link next to the "Pay Bill" button. If you have more than one payment made, it will show a graph of your payments over time and a textual list of the payments.
Yes, you can associate a reminder or recurring transaction with a bill by selecting one of the appropriate options on the Add or Edit form. If you would like to have the reminder automatically add the transaction, select the "Add Reminder (with recurring transaction)." If you want to manually pay the bill but still want to be reminded, select the "Add Reminder (without recurring transaction)" option.
To delete a bill, click on the bill you want to delete, then click the Delete link under the bill details. From here you can select whether you want to delete the current bill due date or the entire bill. If you wish to delete the entire bill you will be prompted to confirm it, as this removes all payment history for the bill as well.
When you want to mark a bill as paid, click on the bill and then click the "Pay Bill" link. This will bring up a normal Add Transaction form pre-populated with data for the bill. Simply fill it out and click the Add Transaction button to pay the bill.
To add a new bill, click the "Add Bill" button near the top of the page. You will be presented with a form to enter the details of your bill. Fill it out and let us know the frequency of the bill so we can show you when it's due. If you would like to turn the bill into a reminder as well, use those options to create one.
If the amount of your bill changes from month to month, don't worry, you can easily edit your bill and we'll keep track of how much you're spending over time.
If a bill is overdue the bill will be colored red and will appear at the top of the list. If a bill is due between today and the next 3 days it will show up orange. If the bill is due more than 3 days in the future it will appear blue. Green bills are ones that have already been paid.
The payoff dates are calculated by creating an amortization table based on your debts and their respective interests. The payoff dates assume you're paying your minimum payments for all debts unless you identify an additional monthly amount which is applied to the debt with the lowest balance.
To add a new debt or loan to the debt snowball tool, click on the "+Add Debt" button near the top of the page. You will need to know your current balance, interest rate (if any) and minimum payment to create a new debt.
In order to pay off your debts as quickly as possible and keep the interest you owe as low as possible, you should always try to pay more than the minimum payment. To tell the system you're paying more to your debt each month, there is a link under the "Monthly Payment" stat near the top of the page. Click on that to edit how much extra you're paying each month.
The debt snowball method is a debt payment plan that has you pay off your smallest debts first and then use the money from those paid-off debts toward your next smallest debt, similar to a snowball growing in size. For more information about the debt snowball method, check out the Wikipedia article.
Yes, you can click the "Check for Duplicates" button at the top of the import verification page to search for possible duplicate transactions. This will search through your imported transactions and try to find any possible matches with transactions you've already added. If any are found, you can remove them.
Yes. When you're importing your transactions and you're on the Field Matching page, you can uncheck the box for auto-categorizing the transactions. By unchecking this box we will not perform any automatic categorization.
Yes. We have the option to let the system try to automatically categorize your imported transactions based on your previous transaction history. You can also manage these associations and add your own by clicking on Settings at the top right side of the page, then click on Auto-Categorized Imported Transactions.
If you only want to verify and import a few select transactions from the file you imported, click the check box next to each transaction you want to import and then click the "Add Selected Transactions" button at the top of the page.
You can add new associations and manage existing ones by clicking on Settings at the top right side of the page, then click on Auto-Categorized Imported Transactions. There is a form at the top of the page where you can enter new associations. You can select what field type (description, memo or payee), what the search term is and then what category you'd like it associated with. We also provide you a list of existing associations you use frequently which you can easily add to your association list.
After uploading a file to import, you will be taken to a page that displays the various fields that were taken from the file you uploaded. This lets you determine what each field means in relation to ClearCheckbook. You can set what field is the date, amount, description, etc.
If you import a CSV file, you have the option to ignore the first row. This is for CSV files that put the column description as the first row. When this is checked, it will ignore the first row of the file and start importing transactions from the second row.
The reset day is the day of the month the budget resets. For example, if you set the reset day to 15, it will start calculating the amount you've spent from the 15th of this month to the 14th of next month.
To create a budget, go to the Tools page and then click on Budgets. After the page loads, click on the + Budget button. Here, you can enter the amount, the duration of your budget, when you want it to reset and what account or category you want the budget applied to.
Duration is how often this budget resets. If you select any duration other than "Monthly", you select which date the budget starts on and it will reset according to the duration based on that start date.
A Combo Budget lets you get very specific when you create a budget. An example Combo Budget would be creating a budget for your Entertainment, Miscellaneous and Eating out Categories but only when made from your Checking account.
An Income Budget lets you create a budget that tracks income instead of expenses. You enter how much you want to save as the budget amount and we'll track any deposits made to the account or category you select and show you the sum compared to your goal. Expenses are ignored with Income budgets.
Rollover should be checked if you want your budgets to "roll over" each month. An example would be if your limit is $500 and you spent $400 this month. Your limit for next month would be $600. The opposite would also be true. If your limit was $500 and you spent $600, your limit for next month would be $400.
Auto-Jive lets you upload a QIF, OFX, QFX or CSV file that contains transactions. We'll then match those transactions with what you've already entered into your register. If we find matches, you can easily reconcile those transactions and add any transactions that may be missing.
We search for the amount and date range only in determining what transactions match. If no transactions are found, you can try manipulating the Filter criteria so it has a better chance of finding matches.
You tell us how many shares of a stock/mutual fund you purchased, what date you purchased them, how much the buy price was per share at that time and the amount of commission paid. We then use this to determine a "Cost Basis" that we compare with the current price of the stock or mutual fund to determine your gain/loss.
If you choose, you can be notified by email. By default, the reminder will appear on your dashboard page in the reminders gadget, plus show up on the right side of the Reminders page when it's getting close to the reminder date.
To create a recurring transaction, go to the Tools page and then click on Reminders / Recurring Transactions. After the page loads, You can click on the date you want the reminder to start from the calendars on the left, or click on the link on the right to add a new reminder.
When the form loads, you can enter a description for the reminder, set how the reminder should repeat, and the date the reminder should start. To add a transaction to this reminder, click on the Add Transaction checkbox.
To edit or delete a reminder, click on the day the reminder occurs and you will see that reminder appear on the right. By clicking on the name of the reminder, you can edit it. If the reminder is a repeating reminder, you can delete a single occurrence or all occurrences by clicking on the appropriate link.
When you create a transaction, you are prompted with different repeating and floating options. If you only want the reminder to execute once, simply click the Once radio button. If you want it to repeat, click the Repeating radio button and then set the start and end dates, and then how you want it to repeat. If you want it to float, meaning it's not set to a specific date, click the Repeating (Floating) radio button. This will let you set reminders for dates like, "first sunday" of each month, etc.
You enter a goal, the amount you're saving up for, which account is being used to fund this goal and some optional fields. We'll use this information to keep track of how close you are to being able to afford what you're saving up for.
The Save-Up Tracker is a tool for you to enter goals you would like to save up for. We'll track the progress of each goal so you can see how close you are to being able to purchase what you're saving up for.
The Account % option is an optional field so you can apply a percentage of the balance from an account to your goal. This is helpful if you have more than one goal coming from the same account or if you don't want to apply every dollar from an account to the goal.
Ignored descriptions are items from the auto-complete drop down list on the Add Transaction form that you have chosen to ignore. This feature is available to premium members only. This lets you ignore certain descriptions from appearing when you are entering transactions.
You need to add a deposit to the category for the envelope. There are a few ways to do this. The first would be to split an existing deposit into multiple categories. For example, if you're using your pay check to fund the envelopes, enter your pay check and split it into the various categories you created envelopes for. Another way would be to simply create a deposit transaction and set the category as the category you've created an envelope for.
The Envelope Budget tool is similar to our main Budget tool, except the Envelopes tool has no reset dates and the budget amount is entirely reliant on how much money you deposit into the category you've created an envelope for. We add up all your expenses and deposits to a given category to show you how much money is remaining in your envelope.
This is a premium feature, so you must be a premium member to use it. If you're a premium member, you can go to the Tools page and click on Esitmate Future Balances. Enter when you would like to project your balances for, any estimated additional deposits and withdrawals to your account (not including recurring transactions) and what account you want to project. Click on the Estimate link and you'll see a breakdown of each month and what the estimated balance is for that month.
The future balance gets estimated by calculating your recurring transactions, plus any additional withdrawals and deposits you enter on the page. It will show you a breakdown of each month and how much the estimated withdrawals and deposits are.
To create a new account, log in and click on the Settings link at the top right of the page. After you're there, click on "Accounts". Here you can enter the name, account type, currency and initial balance for your account.
To delete an account, click on Settings at the top right side of the page, then click on Accounts. Next, click on the Delete button next to the account you want removed. It will ask if you're sure you want to do this and then prompt you if you want to delete all associated transactions with this account.
To set the global currency, scroll to the bottom of the Accounts page. You can select a currency from the drop down list and then click Save. The global currency will be used when balances are displayed but not for a specific account.
The Acitve checkbox is there so you can choose which accounts appear anywhere there is an account listing. If you have some old accounts that you no longer want to appear when adding transactions, uncheck the Acitve box. This way, you can keep the data in the site, but don't have to see old accounts.
To add an alternate email address, go to the Settings page and click on Email and Password. You can enter the alternate email address here. The alternate email address is used to send you reminder notifications.
To disable the help boxes, click the small X at the top right of any of them. To bring them back, go to the Settings page and click on the Turn on/off Help Boxes link. You can enable or disable them from here.
To set a timezone, log in and click on the Settings link at the top of the page. After the page loads, click on Timezone. You will see a drop down list with various time zones. Simply select the timezone you want and click Update Timezone.
The walkthrough is the block of instructions you see when you first create an account with us. If you have closed this and want to see it again, go to the Settings page and then click on the Show Walkthrough link under the Miscellaneous Actions heading.
If you are not satisfied with your premium membership please let us know and we will refund your purchase. In order to receive a refund, you must have purchased 3, 6, or 12 month membership and you must still have at least one full month left in your membership. When a refund is given, we will pro-rate the refund for the amount starting at the beginning of the next calendar month.
To request a refund, please use the Contact Us form at the bottom of the page and let us know your first and last name as well as your address and current username and we will begin the process.
Yes, you can upgrade the duration of your membership if you currently have an active 1, 3 or 6 month membership. You can do this by clicking on Settings at the top right side of the page, then click on Manage Your Premium Membership. There will be a green box at the top of the page with a link to "Upgrade Membership Duration". Click on that link and fill out your billing information. The purchase will be pro-rated based on how much time is remaining on your existing membership. All subsequent renewals will be for the full price.
By default, when you sign up for a premium membership, it will auto-renew each month (or 3, 6, 12 months if you chose one of those options). To turn this off, go to Settings and click on Manage Your Premium Membership. At the top of the page, you will see when your membership is set to renew, with a link underneath to disable the auto renew feature. Click on this and then confirm that you do wish to disable auto-renew.
To sign up for a premium membership, first create a free account. After signing up and logging in, go to Settings at the top right of the page and then click on Manage Your Premium Membership. On this page, you will see information about the Premium Membership, plus a link to a form to sign up. On this page you will enter your billing information and credit card information. Once you purchase the membership, you will have access to all the premium features.
In addition to everything a free membership gives you, you gain access to the Transaction History, Running Balances, Estimating Future Balances, the ability to edit multiple transactions at a time, and more. If you want to pay month by month, the cost is $5 per month. If you want to pay for additional months at a time, there are some discounts available. For a full feature list and to learn more, click here.