Finance files for households

Purpose: A file is a shared money workspace (accounts + operations + budgets + Plan data). Solo users usually have one; Family can create more (e.g. “Household”, “Kids”, “Business side”).

Open Files

Menu → Files, or bottom nav Files.

Create a file

1. Open Files.
2. Create a new file (respects your plan’s file limit).
3. Give it a clear name.

Switch which file you’re looking at

If you have more than one file, a scope switcher appears near the top:
- All files — combined view where supported
- Or pick one file — Dashboard, Operations, Budgets, and Plan then focus on that file

Tip: For Plan (goals, room, debts), pick a specific file so household data stays clean.

Manage a file (open its detail page)

Accounts
1. Add an account: name, institution, type (chequing, savings, credit, investment, other).
2. Optionally set a registered wrapper: TFSA, RRSP, FHSA, RESP, RDSP, RRIF, HISA, or non-registered.
3. Edit later from the same page (expand Manage).

Why wrappers matter: Contribution room in Plan only tracks accounts marked as registered wrappers.

People
- Owner — full control, pays for the Family plan.
- Can edit (write) — add/edit operations and Plan data.
- View only (read) — see data, cannot change it.

Invite someone (Family)
1. Enter their email and choose read or write.
2. They receive an invite link; they must sign in with that same email.
3. Seat limits apply (Family: up to 4 people per file including you).

History for this file: link to History from the file page, or use bottom nav History.

Tips
- Don’t delete the default file unless you know you have another.
- Owners cannot invite on Solo — upgrade to Family first.
- Shared members see Billing as “managed by the file owner”.