After signing up and verifying your email, start by setting up your currencies. One currency is marked as the default (the base currency everything is converted to, e.g. PLN). Then you can begin logging incomes, expenses, and possessions.
The typical setup order is:
Use the dark/light mode toggle (sun/moon icon in the navbar) to switch between themes. It defaults to your operating system preference.
The dashboard shows a running balance over a date range. It starts from your total possessions value (converted to PLN) and adds incomes / subtracts expenses day by day.
Each row is a day with transactions. Incomes appear in green with a + prefix, expenses in black with a - prefix. The rightmost column shows the running balance after that day. A thick line separates months.
Click the edit button next to any entry to jump to its edit form on the corresponding Incomes or Expenses page.
Recurring entries are automatically expanded within the date range — a monthly salary starting in February will appear on the 10th of each following month.
Log each source of income with a description, amount, currency, and date.
| Description | What the income is (e.g. "Salary", "Freelance project") |
| Date | When you received the income |
| Value | Amount received |
| Currency | Defaults to your default currency. For other currencies, an exchange rate field appears |
| Type | Standard for regular income, Loan for loans you give (see Loans) |
| Icon | Optional Bootstrap icon for visual identification. Click the grid button to browse icons |
| Cyclic | Mark as recurring. See Recurring Entries |
| Auto archive | Past occurrences automatically move to "Archived" status |
The list defaults to showing entries from today through one month ahead. Use the Date from / to fields to change the range. The Status filter switches between Active, Archived, or All entries.
Track spending with detailed expense entries. Expenses have all the same fields as incomes, plus:
| Must | Essential expenses (rent, utilities, food) |
| Should | Important but not critical (insurance, savings) |
| Nice | Discretionary spending (entertainment, dining out) |
The dashboard uses these levels for filtering — you can see your balance with only essential expenses, or with everything included.
Each expense can have multiple components (line items). For example, a grocery bill might have components for different categories. Each component has:
When components exist, the expense's total value is automatically calculated from the sum of its components (converted to the expense's currency). Without components, you set the value directly.
In addition to date and status filters, expenses can be filtered by Level and Cyclic status.
Possessions represent your accounts, assets, and holdings. They form the initial balance on the dashboard — the starting point before incomes and expenses are applied.
| Account name | Name of the account or asset (e.g. "Savings account", "Cash EUR") |
| Value | Current value/balance |
| Currency | Currency of the account. For non-default currencies, set the exchange rate |
| Notes | Optional notes (e.g. bank name, account number) |
When archiving an income, you can optionally transfer its value to a possession. This is useful for recording that income money was deposited into a specific account. The value is converted between currencies automatically.
Go to Currencies in the navigation bar. Add each currency you use (e.g. USD, EUR, GBP). One currency must be set as the default — this is your base currency (e.g. PLN). Entries in the default currency always have a rate of 1 and do not need exchange rate information.
When you create an income, expense, or possession in a non-default currency, you choose how the exchange rate is determined:
| Source | Description |
|---|---|
| Auto | Automatically looks up the rate for the entry date. Tries, in order: a user-entered rate for that date, a constant rate, or the NBP mid rate (Table A). This is the simplest option. |
| Manual | You type in the exact rate yourself. Useful when you know the precise rate from your bank or exchange office. |
| NBP Mid | The middle rate published by the National Bank of Poland (NBP) in Table A. This is the standard reference rate. |
| NBP Bid (buy) | The buying rate from NBP Table C. This is the rate at which banks buy foreign currency from you (you receive less PLN). |
| NBP Ask (sell) | The selling rate from NBP Table C. This is the rate at which banks sell foreign currency to you (you pay more PLN). |
When you select an NBP source (Mid, Bid, or Ask), the app resolves the rate using the following logic:
On the Currencies page, use the Fetch NBP button to download rates for a specific currency and date. This fetches all three rates (mid, bid, ask) at once and stores them for future use.
If no rates are available for the chosen date (weekend or holiday), you will see a warning. Try the preceding Friday or business day instead.
Both incomes and expenses can be marked as cyclic (recurring). A recurring entry is stored once but appears as multiple occurrences in the list and dashboard.
The entry's date is the first occurrence. Subsequent occurrences are generated automatically based on the period. For example, a monthly income dated February 10 will appear on March 10, April 10, etc.
When you edit a recurring entry, you are asked what should be updated:
| All occurrences | Changes apply to the entire cycle — past, present, and future |
| Only this occurrence | Changes apply to this specific date only. Other occurrences are unaffected. If you later revert the changes to match the parent, the override is automatically removed |
| This and future | The original cycle ends just before this date. A new cycle starts from this date with your changes |
The same three options apply when archiving or deleting a recurring entry.
If Auto archive is enabled on a recurring entry, past occurrences automatically appear under the "Archived" filter. Future and today's occurrences remain active. You can override auto-archive for individual occurrences using "Only this occurrence" editing.
Dinero can track loans you give to others. A loan is an income of type Loan that automatically generates expense installments for the expected repayments.
This creates one income record (the loan) and multiple expense records (the installments). Each installment links back to the loan. When you archive or delete the loan, its installments are archived too.
Entries have three states: Active, Archived, and Deleted (soft-deleted, hidden from all views).
Entries with Auto archive enabled are automatically treated as archived once their date passes. For recurring entries, each past occurrence is individually archived while future occurrences remain active.
When archiving an income, you can optionally select a target possession. The income's value will be added to that possession (converted between currencies if needed). This is useful for recording that income money was deposited into a specific bank account.