Accounts, wallets and credit cards

One number for "how much do I have" stops being useful the moment your money lives in four places. An account in Pocketbird is one of those places — a bank account, the cash in your pocket, an e-wallet, or a credit card — and each one carries its own running balance.

No balance is ever stored as a number you can type over. Every figure is recomputed from the same short formula, which is why editing or deleting any row instantly puts the balance right instead of leaving a mismatch behind.

• Balance = the opening balance, plus every transaction tagged to this account, plus transfers in, minus transfers out. Deleted rows never count.
• A credit card is an ordinary account that runs negative. The app just re-words the minus as "Owe" / "ค้าง" and adds card-only extras on top.
• A transaction you never tagged to an account contributes zero to every figure on this screen. It still counts in your ledger — it just isn't attributed anywhere.
• There is no limit on how many accounts you can create, and no restriction on how many of each type.

1. 1Go to More → "Accounts" / "บัญชี" and tap "+" → "Add Account" / "เพิ่มบัญชี".
2. 2Name it — the placeholder suggests "e.g. Kasikorn, Cash, TrueMoney" / "เช่น กสิกร, เงินสด, TrueMoney".
3. 3Pick the "Type" / "ประเภท".
4. 4Optionally pick the bank or wallet provider, and a custom icon and colour.
5. 5Enter what the account holds today, then Save.

The list opens with "All Accounts" / "รวมทุกบัญชี" and a net total, then your asset accounts, then "Credit Cards" / "บัตรเครดิต", then "Archived" / "บัญชีที่ซ่อนไว้", then "Transfers" / "การโอน".

• The total counts only visible accounts, and a card's debt nets into it — so the rows you can see always add up to the total you can see.
• Own a card and the total gains a caption: "฿X in accounts · ฿Y owed on cards" / "฿X ในบัญชี · ค้างบัตร ฿Y". If your cards are net overpaid, the surplus is folded into the first figure rather than showing a negative debt.
• A card that owes money reads "Owe ฿X" / "ค้าง ฿X" instead of "−฿X". Your default account carries a "Default" / "หลัก" star.
• On iPad the same content becomes a two-up card grid, and every swipe action moves into a long-press menu.

Moving ฿5,000 from your bank to your wallet is not income and not an expense — it is the same money in a different place. Pocketbird records it as a transfer, a separate record type, so it never lands in your income, expense, budget, safe-to-spend or any insight.

1. 1Accounts → "+" → "Transfer Between Accounts" / "โอนระหว่างบัญชี". The item is greyed out until you have two non-archived accounts.
2. 2Pick "From" / "จาก" and "To" / "ไปยัง".
3. 3Enter the amount, adjust the date if it wasn't today, and add a note if you want — "e.g. moved to savings" / "เช่น ย้ายไปออม".

• Save is blocked until both accounts are chosen, they are different, and the amount is above zero. Picking the same one twice says "Choose two different accounts." / "เลือกบัญชีสองบัญชีที่ต่างกัน".
• Because a transfer nets to zero across two accounts, it can never move your All Accounts total.
• The Transfers section lists every transfer in both directions, newest first, and tapping one opens it for editing.

Sooner or later your bank app says ฿12,340 and Pocketbird says ฿12,500. The fix is not to hunt through history or overwrite the opening balance — it is to tell the app the real figure and let it write one visible adjustment to close the gap.

1. 1Open "Set current balance" / "ปรับยอด" — from a left swipe on the account row, from the account's detail screen, or from the bottom of its edit form.
2. 2Compare "Recorded Balance" / "ยอดที่บันทึกไว้" with reality, then type the real figure into "Actual Balance" / "ยอดจริง".
3. 3Read the preview — it names the difference and states whether it will add an income or an expense adjustment — then tap "Confirm" / "ยืนยัน".

• The adjustment is an ordinary transaction tagged to that account, dated now, with no category. You can find it, edit it or delete it later like any other row — it carries an "Adjustment" / "ปรับยอด" pill in the ledger.
• Your opening balance is never modified. That number stays what the account held before you started tracking.

A card needs two things a bank account doesn't: how much of the line you've eaten, and which of your charges are due now versus next month. Fill in the card's details and both appear on its detail screen.

• Day 31 means the last day of the month, so it behaves correctly in February. A due date landing on a weekend or one of your holidays shifts to the previous working day.
• A card that owes nothing is skipped — a paid-off card stops reminding you without you turning anything off.
• The utilisation percentage is not capped, so an over-limit card honestly reads "110%" — but the tone stays amber, never alarm red. High utilisation is treated as information.
• Everything in the Card section is display-only. Limits and statement splits never move your balance, your All Accounts total or your net worth.

Paying a card is a transfer, not an expense — the expense already happened when you swiped. Open the card and tap "Pay card" / "จ่ายบัตร"; the transfer sheet opens with the card already chosen and the full owed amount filled in, so all you pick is where the money comes from.

A ฿10,000 phone bought on a 10-month plan is not a ฿10,000 month. Mark the purchase as an instalment when you log it and the app spreads it: roughly one monthly instalment is recognised per cycle in your safe-to-spend, and the rest is deferred to the cycles that will actually pay it.

Thai banks often issue several cards that share a single credit line — a main card and its co-brand sibling. Putting them in a shared-limit group makes the app read the line the way the bank does, instead of double-counting the same ฿100,000 twice.

• Overpay one card in a pool and the pool's total owed goes down, freeing credit for its siblings — because the bank carries one balance for the whole line.
• An archived card that still owes money keeps consuming the pool's available credit, even though it has left your list and your total. That matches the bank, but it does surprise people.

A closed bank account is not a mistake to be deleted — its history is real and your old months should still add up. Archiving takes it out of the list, the All Accounts total and every picker, while leaving every transaction it ever held intact.

• An archived account still shows its balance, so a card you stopped using but haven't cleared doesn't vanish into a blank row.
• An account picker will still offer an archived account if the record you are editing already uses it — so old rows stay editable.
• Deleting is a separate, confirmed action — swipe right-to-left on an account, a transfer, or a shared-limit group row.