Manual Accounts

A manual account is an account you add to Roo yourself, instead of connecting it to your bank through a bank aggregator.

You can add any kind of account this way. The catch is that you have to type in every transaction yourself, and that takes a lot of time. So a manual account is not a good choice for an account you use often.

Most people pair a manual loan with a Debt Payback Plan to pay the balance down.

How to add a manual account

1. Click the Menu and select Accounts.

2. Tap the + Account button in the top left.

3. Scroll to the bottom of the bank list and tap Or add a manual account. The Add Manual Account window opens.

4. Type the Account Name.
5. Pick the Account Type from the list.
6. Enter the Starting Balance. Tap the sign button in front of the amount to switch it between plus and minus. Use minus for money you owe, like a loan. Use plus for money you have.
7. Tap Create.
8. Add as many accounts as you want, then tap Continue.
9. On the Confirm account types screen, check that every account has the right type. Tap Continue.
10. Assign the balance of any positive On Budget accounts to the pouches they should fund.
11. Tap Continue to finalize the new account(s).

Common examples

• Student loans: are often set up as manual accounts. Government rules often stop loan companies from sharing their data, so Roo cannot connect to them.
• Grandma loans: money you borrowed from family or friends that you are paying back.
• Cash savings: a great way to bring cash into your budget so all your money counts.

Psychology Tip

Typing in lots of transactions can wear you out. If a manual account starts to feel like too much, it is okay to try another way. The best budgeting tool is the one you will keep using, and Roo wants to be that tool for you.