Money

User Need

The “Money” module is the central hub of Small Metrics, combining personal and business finance management, transaction categorization, payment planning, and professional reporting.

The main difference between Small Metrics and classic trackers is the use of isolated spaces called Budgets. This allows for complete separation of financial flows (e.g., “Family,” “Freelance,” and “Investments”): data, members, and transactions within different budgets never intersect.

Where to find it

You can access the module via the Money tab (wallet icon) in the bottom navigation bar.

• If you haven’t created any workspaces yet, the app will automatically prompt you with the Create budget screen.
• If budgets are already created, the My Budgets screen will open, showing a list of all your spaces.

Tapping on a specific budget card takes you to the main management screen, divided into three key sections:

1. Categories — manage income and expense items.
2. Transactions — detailed tracking of all operations.
3. Result — deep analytics and reporting.

Module Sections

Categories

Here you set up your budget structure. Small Metrics uses a “Safe Delete” mechanism: when a category is deleted, all associated transactions do not disappear but are automatically moved to the system category Uncategorized. This guarantees the accuracy of your historical analytics.

Transactions

This section is divided into three tabs for full control over cash flows:

• History: The history of all actually completed operations.
• Recurring: Templates for regular payments (subscriptions, rent). They allow you to apply a transaction with one click.
• Planned: One-off future expenses or incomes that help you forecast your Cash Flow.

Result (Analytics)

This section provides two types of professional reporting:

• Statistics: Acts as a Profit and Loss (P&L) statement, showing the ratio of income and expenses over a selected period.
• Equity: Acts as a Balance Sheet. It calculates your total Net Worth by combining your cash on hand, tangible assets (real estate, cars), money owed to you, and your debts.

Shared Access and Roles

Access to finances is strictly restricted at the API level. There are three types of roles in each budget:

• Owner: The creator of the budget. Always has administrator rights and cannot leave the budget (can only delete it completely).
• Admin: Has full access to workspace settings, category management, financial goals, and the member list (can invite, remove, or change roles).
• Member: Can view analytics and fully work with transactions, but does not have access to the budget settings itself and people management.

Any member can be frozen (FROZEN) by the administrator, which instantly revokes their access to the budget data.

Technical Features

• Multi-currency: The system supports 166 world currencies. Rates are updated daily at midnight (server time), allowing balances to be recalculated “on the fly” into your base currency.
• Data Protection: When a budget deletion is requested, the data is not erased instantly. The budget enters a “Read-Only” mode for 48 hours, during which the administrator can cancel the operation.
• Smart Import: Administrators can use the AI module to import bank statements. The system automatically parses files (PDF, Excel, TXT) and categorizes transactions.

Expected Result and Validation

When saving data (the Save button), the interface is locked, and a loading indicator appears. If successful, you will see a green notification (e.g., “Transaction created successfully”).

Possible Errors

If the data is entered incorrectly, red text will appear below the fields:

• Required: A mandatory field is not filled in.
• Invalid number: Incorrect amount format.
• Min value 0.01: The amount cannot be zero.
• Transaction date cannot be in the future: Regular transactions cannot be created with a future date (use the Planned section instead).

Frequently Asked Questions (Q&A)

What happens to my data if I delete an expense category? Your financial history is completely safe. When you delete a category, all associated operations are automatically moved to the system category Uncategorized. This ensures your overall balance remains accurate.

How does the bank statement import work? You can upload a .csv file using our template or use the Smart Import feature. Thanks to AI integration (Gemini), the system recognizes data from various formats (PDF, Excel) and suggests categories for transactions on its own.

Can I add expenses in a different currency while traveling? Yes. Small Metrics supports multi-currency out of the box. You can enter an expense in any world currency, and the system automatically converts the amount into your budget’s base currency for display in the analytics.

Will my partner see my personal budgets if I invite them to the family one? No. Budgets are completely isolated. An invited user only gets access to the specific space to which you sent the invite.