This guide will walk you through the different features of the Master Widget and give you tips that will help you work more quickly. Available functionality depends on the software configuration determined by your financial services provider. All aspects of the user guide may not apply. We recommend following the below steps when first using the Master Widget:
When you first access the software, you will be prompted to accept our Terms and Conditions (depending on your organization). While doing so, the primary accounts at your financial institution should automatically begin populating inside the software (depending on the type of implementation your organization has).
If you have not added any external accounts, you will have the ability to do so within the various views of the software.
If you want to add more accounts in the future go to the Accounts view and click on [+ ADD AN ACCOUNT].
When you’ve finished adding accounts, click on settings and fill out your profile and close the window.
The navigation bar is located at the top of the Master Widget. Click on an icon to switch to that view.
The navigation bar also contains “notifications”, “Manage Institutions”, “Help” and “settings” capabilities.
Users will see notifications as part of the PFM through the Notification Pane. A red badge will indicate the number of unread notifications.
Financial Alerts will be delivered through the Notifications Pane in addition to the current email delivery channel. These alerts are ‘Budget Exceeded’ and ‘Debt Payment Reminder’.
When clicked, the Notifications Pane icon will show the user’s notifications, in chronological order, with the most recent at the top.
Clicking on a notification will take the user directly to the relevant part of the PFM. In the case of clicking on a budget exceeded notification, a user will be taken directly to that budget:
The Manage institution Icon will notify you if there is a problem with a connection to a financial institution. Users will be presented with suggested steps to help resolve the issue. With the ‘Need Help?’ option always present, users can easily submit a support tickets for any uses they may be having.
When you click on the “?” you can review help content and submit feedback or a support request to our Customer Support team.
Click on the settings icon to change your profile information, add or remove a mobile device, and manage your alert settings.
NOTE: If you do not have access through single sign on, you can change your password under the Profile tab.
When a mobile device is detected and the client has a custom mobile app or uses MoneyMobile, we will display a popup allowing users to download the app and generate an access token to connect the device. The popup will only display if the client has an app for the operating system of the device being used (iOS or Android).
The setting view for Alerts includes two settings: Simple and Detailed. With Simple alerts enabled, users will receive default alerts via email and in the Notification Pane.
With Detailed alerts enabled, users can customize the alerts they want to receive and how they want to receive them. The checkbox on the left toggles the entire alert on/off. Turning an alert on allows it to be delivered through the Notification Pane. Email delivery can also be toggled on/off.
In this example, the user has turned off the ‘Debt Payment Reminder’ alert for one of their accounts:
Exceeded budget – This email alert is sent once the budget exceeds 100% in a given month.
Debt Payment Reminder – This email alert is sent 5 days prior to the payment due date.
Note: All budget alerts will be grouped into one email. Other alerts will be separate, but rather than getting multiple budget emails in one night, you’ll get one email displaying the multiple budget changes.
Email alerts that have sensitive financial information will only be sent to users who have verified their email address. Users can trigger a verification email by clicking on the link in the Profile tab.
General emails will be sent to unverified email addresses:
In the Accounts View, you can see all of your linked and manually created accounts in one place. On the left hand side, the sums of account balances are displayed by type.
If an account is indicated as Prepaid in the feed, we will display it in the list of account types in the Accounts widget. When there is at least one prepaid account, this option will show as an option in the list of account types:
If an account type is empty, clicking on the relevant area will prompt you to add an account.
1. Click on the [+Add an Account] button on the sub navigation bar.
2. Search by the institution’s name or URL. The use doesn’t need to wait for an account to successfully connect before they can start adding their next account. If the user needs to take action (answer MFA questions, update credentials), the product will notify them.
3. Select the institution from the list and enter the request login credentials.
4. If your account is not supported, you can add a manual account by clicking “ADD A MANUAL ACCOUNT”.
You can also add your property as a manual account. If you have a mortgage, you should enter in the value of your home so it will balance out your net worth. You can also enter in the value of any vehicles or other property that you would like to have calculated into your net worth.
On the right side you can view individual accounts within each account type. Each account card displays the name, balance, APR/APY, and a recent trending graph of your account balances.
Click on an account card to edit information. An overlay will appear, displaying information for the selected account. You can change the type or name by clicking on the desired field. You can also mark an account as “business” or “personal”. New transactions associated with this account will be automatically flagged accordingly. For manual accounts, you can also change the balance. The link status section will let you know when the account was last updated. Below that, you can view a six month history of the average account balance.
Note: To view transaction history, click on the “Transactions” button at the top of the navigation bar and select the account(s) you wish to see associated transactions for.
1. Click on the trashcan icon in the bottom right hand corner.
2. Click “Delete”.
Note: You cannot delete an account added by your primary institution.
For certain accounts a delete option will not be available. If the trashcan icon does not appear this means that the account was automatically added by your primary institution. These accounts cannot be deleted, however, they can be excluded.
1. In the account detail view, click on [Exclude Account]
2. An alert will appear asking you to confirm if you want to exclude the account. Click [Exclude]
Excluding an account hides that account, its transactions, and its balance from the software. This essentially “deletes” the account with the option to re-include it in the future if it ever becomes necessary.
Example of excluded accounts:
When you click on an excluded account, the below window will appear. Click on [Re-include this account] to re-include.
If a user has duplicate accounts, they can now mark an account as duplicate from the account details view and merge it with another account. It will require them to type the word ‘MERGE’ to complete the process. This may be necessary if, for example, a bank sends a different name for the same account, making it seem as though there are two accounts, or if a user has to replace a lost or stolen card. Only accounts within the same connected institution can be merged.
You can drill down to transactions from either the main account card or the account detail view by clicking on a specific month in the account history bar graph.
Click the “Manage Institutions” icon to view all connections with your institutions. In the window that appears, you will be able to see the status of your connections. You will also have the ability to refresh a connection, re-enter in your credentials or delete the account (if it is an external account).
When accounts are refreshing, a spinner will appear on the Manage Institutions icon.
Along with the “Manage Institutions” view, there are a couple of other areas that will alert you when an account has failed to connect. In the “All Accounts” view, if an account has failed aggregation, an exclamation mark will appear in the upper right hand corner of the account card.
In the account detail view, a red warning message will appear in the Link Status section if an error has occurred with your account connection. It will either say “Something went wrong,” or “Login information provided was incorrect”. Click on the message to attempt aggregation again or update your credentials.
The Transactions View provides a consolidated list of all transactions from every institution ordered by time. You have the ability to select a different time window by using the sub navigation bar, or you can create a custom time window by selecting the start and end date. Your first time viewing transactions, you should already have a transaction history. The exact amount of history retrieved varies by institution. We will continue to save your history moving forward.
When you begin using the software, it will immediately begin downloading your transactions. Some institutions take longer to download than others. If any transactions load while you are in the Transactions View, an indicator will appear at the bottom of the window. Clicking this will update your list with all of the new transactions that have aggregated since you began viewing your transactions.
The Transactions View allows you to sort by Date, Payee, Category, Account, or Amount by clicking once on the column heading. Click again to reverse the order. You can also search by any of these fields in the search window.
Date – The date of the transaction. This will match the date from your financial institution, but may not match the actual date of purchase.
Payee – The description from your institution. You can rename the transaction as needed.
Category – The budget/spending category for the transaction.
Account – The account a transaction belongs to.
Amount – The total amount of a transaction. Green indicates an income or credit transaction.
When your transactions are pulled in, they will automatically be categorized. You may notice several transactions that are categorized incorrectly. We take into account how other users have categorized similar transactions in the past and how you have categorized similar transactions. For example, iTunes will come in as “Music”. If you go to a small local vendor that no other users have been to before, we may try and guess the category or simply mark it as “uncategorized”. We encourage you to go through your transactions history and check that each transaction is categorized correctly. If you do that from the very beginning, we will automatically categorize your new transactions more accurately.
To do so, click on the desired transaction and an overlay will appear.
Select the arrow on the right hand side of the Category drop down menu.
You can select from a list of categories or sub-categories beneath them. Just click on the category and your change will be reflected across the Transactions, Budgets, and Spending Views.
If MoneyDesktop is not reasonable certain of which category a transaction belongs to, the transaction may be left uncategorized. When you open your Transactions list, you will be prompted to assign a category to these transactions
From here the user can choose to take care of these transactions, or ignore them for the moment. Selecting “No thanks” removes the prompt and it will not reappear until the next time the product is visited. Selecting “Yes” will then bring up a small window and display the uncategorized transactions in the widget.
Users are then able to interact with these transactions just as they would if they saw them in the full list, allowing for recategorization and a detailed view of what the transaction is if they need to dig deeper.
Along with changing the category, there are several other things that you can do within the same overlay.
If the user has changed the date on an aggregated transaction, the option to revert back to the original date will appear on the transaction details card.
When a transaction date has been changed, there will be an underline on the date in the transaction list. A tooltip will display the original date when you hover over the changed date.
You can split a transaction multiple times. Click on the desired transaction.
Click on “+ Split This Transaction” on the side of the overlay.
You can edit the Amount, Category, Tags, and Flags. Click on “Save” when you are done.
To delete a split, click on the transaction that is split.
Click on the trashcan icon located at the side of the overlay.
Users will be able to delete a pending transaction directly from the transactions screen, as shown below in the lower right:
When a user clicks Delete This Transaction, they’ll see this prompt:
If the user clicks DELETE, the transaction won’t show in their feed any more. Note that this option in only available for pending transactions. Also note that in some cases the transaction may reappear when the transaction clears the pending process.
Users will also have the ability to exclude transactions that have cleared, as shown below in the right-hand column:
When a user clicks Exclude Transaction, they’ll see this prompt:
If a user clicks EXCLUDE, the transaction will be greyed out on the transaction list, and it won’t be calculated in budgets, spending, debts, trends, transaction, net worth and goals.
If a user clicks a greyed-out transaction, they will have the option to re-include it:
When a transaction is re-included it will function exactly like any other transaction. It will once again be calculated into the other features of the software.
This function allows you export transactions as a CSV file. This type of file can be opened by, and used with, several different applications. Clicking on the “Export CSV” button will export all transactions in the current transaction list view, taking into account all transaction list filters (date range, search, etc.)
To add a manual transaction, click on [+Add Transactions] on the sub navigation bar.
Choose the appropriate manual account; enter in the amount, transaction type, payee, date, and category. Additionally, you can add any tags for later searching, add a memo on the transaction, or set transaction flags. Click on “SAVE” when you are done.
If an incoming transaction is marked as pending by the data feed, it will now be shown at the top of the transactions list in italics. Transactions cannot be edited while pending.
The Spending View presents a comprehensive spending wheel displaying what percentage of your spending is in each transaction category. If you hover over each section of the spending wheel, you will see how much you spent in each category.
NOTE: If certain category spending is below 3% of your overall spending it will be placed in the “other” category.
If you want to drill down further and see more information, just click on the desired section and it will expand out to its own category wheel with a breakdown of your subcategory spending.
To drill down even further and see the transactions under a subcategory, just click on the subcategory listing on the right or on [View Transactions] in the center of the wheel, and a transactions overlay will appear.
From this view, you can also edit the transaction details just like in the main transactions widget.
To return to the main spending wheel, simply click on the outer layer border OR click on the “X” in the corner.
At the top, you can change the date range considered in the spending wheel.
The Budgets View presents a targeted display of your spending and your progress to hitting your overall budget each month. Your spending is only tracked in categories where you have already created a budget.
When you first use the Budgets View, you will have the option to “start from scratch” or have the software “auto generate budgets” based off of your spending history.
If you choose to start from scratch the software will present a menu of categories to choose from. Choose a category then set the budget amount.
If you choose to have the software auto generate your budgets, it will display a list of budget categories and amounts based off of your spending history. Make sure to go through the list and edit the amounts if necessary. If you don’t want a specific budget tracked, simply click on the [trashcan icon] and confirm by clicking [DELETE THIS BUDGET] in the alert. Click on [SAVE BUDGETS] once you are done.
After your budgets are created, moving forward, by default, your budgets will be shown in the bubble form. You will also have the ability to view and edit your projected income within budgets, helping the user to make budget decisions that balance with their income.
Projected income is calculated based on transaction history; however, the user can also edit this number manually. To edit the projected income, click on the amount:
Click on [View as List] in the sub navigation menu to switch to the list view.
The Bubble Budgets View allows you to see both the health and the importance of your budgets simultaneously.
Green – below 80% budget
Yellow – more than 80% of the budget has been used
Red – spending for a budget has exceeded 100%
The size of the bubble is relative to the amount, and exact progress will be shown on the outside rim of the bubble. Bubbles can also be dragged for comparison.
Clicking on a bubble will display current child budgets. You will have the ability to add additional child budgets (if more are available) or even delete the parent budget.
Clicking on a child budget will center the focus there. This will allow you to delete the budget, edit the amount, or view associated transactions.
Users on non-touch devices (such as a desktop device) will have the ability to edit budgets by simply typing in the budget amount using their keyboard.
To help users make more informed budgeting decision, they will now be able to see their historical spending while creating or editing a budget.
If you are on a touch device you can edit the budget by tapping on the pencil icon above the bubble, you will be able to change the budget total by turning the dial left or right.
Note: If you increase your child budget to an amount that is greater than your parent budget, the below message will display and the parent budget will be adjusted to match the sum of its children.
Clicking the bubble will display a list of all transactions within the related category.
The colored bars represent the status of your budget:
To add a budget, click on the [+Add a budget] on the sub navigation bar, and select any spending category. Note: creating a child budget will automatically create a budget for its parent category.
The budgeted amount for the parent category will be the sum of its child budgets. The bar at the top will display monthly progress for the sum of all budgets.
The left-hand side of the screen displays a list of budget categories and the progress towards hitting each goal.
Clicking a parent category displays a list of child budgets, along with your progress.
Hover your mouse over the budget to change the amount.
A trashcan icon will also appear to allow you to delete. After you click on the trashcan, click “DELETE THIS BUDGET” in the pop up screen.
Clicking on budget will display a list of all transactions within the related category. You can access transaction details and re-categorize transactions here just like in the Transactions app.
Click on the Overall Budget bar in the main view to see all of your budget category transactions.
The Trends graph is helpful for users who want to see spending trends over time. It shows a 6-month history of spending by category along with a green line showing income. This way, a user can quickly determine if they are spending more than they are making.
Users can choose to show or hide their income, represented by the green line.
Hovering over a colored area will show the actual spending in each category for the months displayed.
Clicking a category area in the graph will allow a user to drill down into the selected category, showing any relevant subcategories. In this example, a car repair in September caused the visible spike:
Clicking any of the circle data points will display a list of transactions for the selected category. Here we see all the gas transactions for October:
The Net Worth View tracks the net sum of all your assets and liabilities over the past year. The dots on the graph represent your net worth for each month; the lines on the graph represent the change in your net worth from month to month. Hover your mouse over a dot or line to display total net worth for that month.
Click on a circle to see how your net worth went up or down. A window will appear showing the amount of change that occurred within each of your accounts during that month. If you click on one of these accounts and the associated transactions will appear.
You can adjust the time frame by clicking on the drop down menu on the sub navigation bar.
When you first use Net Worth, it may not accurately represent your spending history, but the software will save your data moving forward. Also, be sure to create manual property accounts, like home or auto value, in the Accounts View to increase your net worth accuracy.
The Debts View is a powerful tool that allows you to see all of your debts in one place and proactively determine an expedited payoff plan.
The main view is the trending graph for paying off all of your debt. Hovering your mouse over a section of the graph will show how much you will owe based on the current projection. Additionally, the colors in the graph correspond to the numbers beside the debts below. Payoff dates and the amount you save are automatically calculated by the details you input for each debt. The dotted line reflects time and money savings from using the Snowball method.
Within the Debts balloon, users can see how Snowball helps them pay down their debt more quickly. Both the amount and time saved are prominently displayed along with education of what the Snowball method is.
If you want to see what will happen when you put extra money towards your debt you can enter that in the ‘Extra Payment Toward Debt’ box.
The graphs will re-adjust and show you how much interest you would save by accelerating your payoff timeline with the extra money you put towards your debt.
Click on an account to edit details and view an individual payoff graph. Hover your mouse over a section of the graph to see how much you will owe based on the current projection. Note: Some institutions may not send over details such as the interest rate and minimum payment. The software will make its best guess on what these figures should be, but always double check and enter in the correct information.
Lastly, if you don’t want to use the “Fastest Payoff First” method, you can set the priority to “Highest Interest First”, “Lowest Balance First”, or “Highest Balance First” by clicking on the drop down menu in the sub navigation bar.
Fastest Payoff First – Your debts are ordered by which debt you will pay off soonest (based on balance, APR, and minimum payment). Your additional amount towards your debts is applied in that order as you pay off your debts.
Highest Interest First - Debts are ordered from your highest APR to the lowest APR. Your additional amount towards your debts is applied in that order as you pay off your debts.
Lowest Balance First – Debts are ordered by balance amount from Lowest to Highest. Your additional amount towards your debts is applied in that order as you pay off your debts.
Highest Balance First – Debts are ordered by balance amount from Highest to Lowest. Your additional amount towards your debts is applied in that order as you pay off your debts.
"Goals" helps users plan and visualize long-term financial objectives such as saving for a home or paying off debt. Goals automatically calculates how long it will take to complete each goal and maps it on an interactive timeline, based on 1) the balance of the account linked to the goal, 2) a user’s amount of money available for goals every month, and 3) the prioritization of the goal.
Goals First-Time User Setup
From the beginning, Goals helps users create the right plan by walking them through their most important financial objectives, much like a financial coach.
Step 1: Set Monthly Contribution
You may want to start with setting up your budget – the first step in any financial plan is understanding how much money is coming in and how much is going out. Goals will automatically calculate the difference between your budgeted income and spending, and will use that amount to estimate how when you can reach each goal.
Step 2: Create an emergency Fund
Every financial plan needs a plan for the unexpected. Goals will recommend that you save at least $1000 for surprise expenses, or 3-6 months of living expenses if you want to work towards a more ambitious goal. Click on the dollar amount beneath “Amount to Save” and enter any amount that you want to work towards.
Step 3: Pay Down Debts and Add All Your Goals
Goals makes is easy to establish goals to pay down costly debts or save for short- and long- term goals.
Step 4: Prioritize Your Goals
Drag and drop to move the most urgent goals to the top, and longer-term goals to the bottom. You can access this view later by clicking on the “Manage Goals” icon. Goals will automatically recalculate based on the new priority.
Adjust your monthly contribution to Goals any time by clicking on the "Monthly Contribution" amount at the top center of the Goals screen.
Here, you can enter a manual monthly contribution to Goals if you prefer.
Add a Goal:
When users are ready to add another goal, they simply click where it says "+ Add A Goal".
Click and drag the timeline bar to the right to move forward or backward in time. Click on "Now" to return to the present day.
Completeing a Goal
When you’ve saved enough for your goal, it will display as completed and can be marked as spent.
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