gini4all—A new manual mode for those without bank accounts, or those who prefer to track their money their way

We’ve just rolled out a DIY option to give everyone the freedom to track their finances in their own way! You’re welcome 😉

Look at all these new shiny options you have for managing your accounts now:

  1. Automatically
  2. Manually
  3. A mad mix of both!

How do you decide? Let’s walk you through each option:

1. Automatically

For those who find money management too difficult, too boring, too time-consuming. You frequently say things like, “Wow, where did all my money go?” or “How much did it cost? I have no idea!” or “New Year’s resolution: must… stick… to… budget.”

You want to be better with money, you just don’t have the patience to sit down with a spreadsheet recording expenses and calculating budgets all day. You want to be out there living life!

Yes, my friend, the automatic option is for you. Link gini to your bank accounts, and the app will do all the hard work of tracking your spending by merchant and category, calculating what’s Ok to spend after saving, and more for you. Money made simple!

gini blog - gini manual mode

2. Manually

For those who are the opposite in every way to (and probably the life-partners of) the above. You have a specific way of tracking your money and you’re super disciplined about it (kudos to you!). Spreadsheets are not just fun, they’re like friends to you.

It’s also great for those who don’t have bank accounts or don’t want to link bank accounts. Your money, your way.

Here’s how the new manual mode works, and why you’re gonna love it:

Getting started

  • Download the app, create an account, then choose to manage your accounts Manually.
  • Add a Cash Wallet, select a main currency, specify how much cash you’re starting with, then add transactions
  • Or opt for a Manual Bank Account, name the account (e.g. Savings), then add transactions related to it.
  • You can add as many bank accounts as you like, and allocate transactions to each as you go.


The Reports page will show your spending by category, calculated for you.

On the Save page, you can set a Savings Goal, and gini will calculate your Ok to Spend amount after savings and expenses every month. Just remember to add an income (via the + button) and select it as your Main Income first.

Cash Wallets

Add cash transactions in any currency. Your Cash Wallet won’t show a Total Balance because it’s likely the transactions you record on gini won’t match the cash in your real wallet down to the last cent, and we want to avoid the confusion!

Note: it’s not possible to have a negative cash balance, so remember to add income transactions when you receive or withdraw cash!

Manual Bank Accounts

The Total Balance shown at the top of your screen is the sum of all your manual account balances. Note: balances need to be updated manually via the Accounts page, so make sure you update them regularly.

3. A mad mix of both

Yes, just for you extra special people, we’ve made it possible to have both linked bank accounts that track your finances automatically AND manual accounts you have full control over.

You’ll see the list of all your bank accounts, and how they are managed on the Accounts page.


P.S. If you have any questions about gini’s manual mode, our FAQ page has the answers 🙂

gini blog - gini manual mode

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