A canonical list of real financial accounts and balances. Accounts does not plan spending and it does not recreate Cash Flow; it tells the rest of Household Ledger what account exists, what kind it is, what its observed balance is, and whether it needs reconciliation.
Spendable cash
$4,286
Needs attention
2
Net account position
$7,941
Active accounts
Relay Household Checking
Bank · Primary operating account
$2,845.11
Observed Aug 21
ReconciledCash Flow source
Relay Annual Bills
Bank · Reserved cash account
$400.00
Observed Aug 21
CurrentReal account
Planned annual need exceeds current balance by $115.80
Wells Fargo Checking
Bank · Secondary
$1,041.20
Observed Aug 18
Reconcile
Balance observation is 3 days old
Household Cash
Cash · Manual observation
$0.00
Observed Aug 21
Current
Wells Fargo Visa
Credit · Revolving
−$344.90
Observed Aug 20
Debt linkedPayment source
OpenSky Secured
Credit · Rebuild account
−$0.00
Observed Aug 21
Current
Old Operating Checking
Archived bank account
$0.00
Closed 2025
Archived
Account rules in the new Core
Cash FlowUses accounts as sources/destinations for movement
DebtOwns loan/card obligation details
InvestmentsOwns investment performance and holdings
AccountsOwns account identity, observed balance, status, and reconciliation
Preserved from Accounts V2: real accounts only; bank/cash/credit/archive filtering; observed balances; reconciliation status; no fake envelope subaccounts. Planning allocations belong in Cash Flow Plans.