Most people have 3-5 financial accounts. Managing them separately leads to blind spots. A unified calendar view solves this.
The Multi-Account Problem
When you track accounts separately, you miss: - Transfer timing — money leaves one account before arriving in another - Combined cash flow — your total financial position across all accounts - Credit card timing — charges vs. statement dates vs. payment dates
Setting Up Multiple Accounts
- Create each account with its actual current balance
- Assign transactions to the correct account
- Create transfer entries between accounts when you move money
- Set up bank sync for automatic balance tracking
Using Account Tabs
BilzCal shows balance tabs at the top of your calendar:
- - Combined — total across all accounts
- - Individual tabs — filter to see one account's transactions and balance
Toggle between views to get either the big picture or account-specific detail.
Credit Card Best Practices
Credit cards add complexity because money flows in stages: 1. Purchase date — when you buy something (charge on credit card) 2. Statement date — when the billing period closes 3. Due date — when payment is due (payment from checking)
Track the purchase on the credit card account (the charge date) and the payment on your checking account (the due date). This keeps both accounts accurate.
Running Balances Per Account
Each account has its own running balance. This means you can see: - Checking account dropping to a dangerous level - Savings account growing toward its goal - Credit card balance increasing through the month - Combined net worth across everything