Account Types Reference

Quick reference for all account types in Arthalekha.

Account Type Summary

Type	Code	Typical Balance	Description
Cash	CA	Positive	Physical cash, wallet
Savings	SB	Positive	Bank accounts
Credit Card	CC	Negative (debt)	Credit cards
Wallet	WL	Positive	Digital wallets, payment apps
Investment	IN	Positive	Stocks, mutual funds, FDs
Loan	LN	Negative (debt) or Positive (lent)	Loans taken or given
Other	OT	Varies	Any other type

Detailed Reference

Cash (CA)

Use for:

• Physical currency
• Cash in wallet
• Cash at home

Balance behavior:

• Positive or zero
• Increases with ATM withdrawals (transfer from bank)
• Decreases with cash expenses

Examples:

• "Cash Wallet"
• "Home Cash"
• "Petty Cash"

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Savings (SB)

Use for:

• Bank savings accounts
• Checking/current accounts
• Fixed deposit accounts (or use Investment)

Balance behavior:

• Usually positive
• Increases with income
• Decreases with expenses and transfers out

Examples:

• "HDFC Savings"
• "SBI Salary Account"
• "Emergency Fund - Axis"

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Credit Card (CC)

Use for:

• Credit cards
• Store credit
• Revolving credit lines

Balance behavior:

• Typically negative (represents debt)
• More negative when you make purchases (expense)
• Less negative when you make payments (transfer)
• Zero or positive when fully paid

Recording transactions:

• Purchases: Record as expense FROM credit card
• Payments: Record as transfer FROM bank TO credit card

Additional fields:

• Credit Limit - Maximum credit available
• Rate of Interest - Annual interest rate
• Bill Generated On - Statement generation day
• Repayment Due After - Days until payment is due

Examples:

• "HDFC Credit Card - 4521"
• "Amazon Pay ICICI"
• "SBI SimplySave"

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Wallet (WL)

Use for:

• Digital wallets (Google Pay, Paytm, PhonePe)
• PayPal, Venmo equivalents
• Prepaid cards

Balance behavior:

• Usually positive (prepaid)
• Increases when you load money (transfer from bank)
• Decreases when you spend

Examples:

• "Google Pay"
• "Paytm Wallet"
• "Amazon Pay Balance"

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Investment (IN)

Use for:

• Stock brokerage accounts
• Mutual fund accounts
• Fixed deposits
• PPF accounts
• Retirement accounts

Balance behavior:

• Positive and ideally growing
• Increases with contributions (transfers in)
• Increases with dividends/returns (income)
• Decreases with withdrawals (transfers out)

Important: Arthalekha tracks cash flow, not market value. Balance represents money invested, not current market worth.

Examples:

• "Zerodha - Stocks"
• "Groww - Mutual Funds"
• "PPF Account"
• "SBI FD"

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Loan (LN)

Use for:

• Loans you've taken (home, car, personal)
• Loans you've given to others
• Any debt obligations

Balance behavior:

For loans taken (you owe money):

• Negative balance = amount you owe
• Payments make it less negative
• Reaches zero when paid off

For loans given (others owe you):

• Positive balance = amount owed to you
• Repayments reduce the balance
• Reaches zero when fully repaid

Examples:

• "Home Loan - HDFC" (negative)
• "Car Loan - SBI" (negative)
• "Loan to Rahul" (positive)

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Other (OT)

Use for:

• Accounts that don't fit other categories
• Security deposits
• Escrow accounts
• Special purpose accounts

Balance behavior:

• Varies based on purpose

Examples:

• "Security Deposit - Apartment"
• "Escrow Account"
• "Gift Card Balance"

Quick Selection Guide

I want to track...	Use Type
My bank account	Savings (SB)
Cash in my wallet	Cash (CA)
My credit card	Credit Card (CC)
Google Pay balance	Wallet (WL)
My stock investments	Investment (IN)
My home loan	Loan (LN)
A loan I gave to friend	Loan (LN)
Something else	Other (OT)

See Also

• Accounts Concept - Full account documentation
• Account Types Feature - Detailed usage guide
• Setting Up Accounts - Setup guide