Before you can track expenses, CiviQ needs to know your accounts — your HDFC savings, PhonePe wallet, Paytm balance, and the ₹800 stuffed in your wallet. Don't worry, you don't give CiviQ your bank password. You just tell it the name.

🇮🇳 You might be surprised how many accounts you actually have. Most people in India have 2-3 bank accounts, 2-3 UPI wallets, and cash — and they're tracking none of them. CiviQ fixes that.

Account types in CiviQ

  • 🏦 Bank account — HDFC, SBI, ICICI, Axis, Kotak, any bank
  • 📱 Wallet — PhonePe, Google Pay, Paytm, Amazon Pay
  • 💵 Cash — the money in your actual wallet
  • 💳 Credit card — track spending and outstanding balance separately

How to add an account

1
Open Accounts from the sidebar
Click 'Accounts' in the left sidebar. If you're on mobile, tap the menu icon at the top.
2
Tap 'Add account'
The blue button in the top right. A form slides in.
3
Choose the account type
Bank, Wallet, Credit Card, or Cash. This affects how the account is categorised in your reports.
4
Give it a name
Be descriptive. 'HDFC Savings', 'PhonePe', 'SBI Salary Account', 'Paytm Wallet', 'Cash'. You'll see this name on every transaction, so make it clear.
💡 If you have two HDFC accounts, call them 'HDFC Savings' and 'HDFC Current' — not both 'HDFC'.
5
Enter the current balance
Open your banking app, check your balance right now, and enter it here. This is the starting point — CiviQ will update it as you log transactions. You can leave it blank and update later.
6
Pick a color and icon (optional)
Makes your accounts easy to tell apart in transaction lists. HDFC gets blue? PhonePe gets purple? You decide.
7
Tap Save
The account appears in your Accounts page immediately.

What accounts should I add?

Example
Here's a typical setup for a Bengaluru professional:

• HDFC Savings — salary account, most spending
• PhonePe — UPI payments, quick transfers
• SBI — linked to parents, occasional use
• Cash — for auto rides and chai
💡 Start with just your primary salary account and the wallet you use most. Add others as you go. Getting started with 2 accounts beats never starting because you're trying to add 8.

How balances work

CiviQ does not connect to your bank. It tracks a running balance based on what you tell it. When you log a ₹450 Swiggy expense against your HDFC account, CiviQ deducts ₹450 from HDFC's balance. When you log your salary as income to HDFC, it adds the amount. The displayed balance is always your starting balance ± transactions logged in CiviQ.

⚠️ If your opening balance is wrong, all subsequent balances will be off by the same amount. Double-check the number when you set up a new account.