Boney
Debts

Understand balances

Where a balance comes from, and why no screen lets you edit it.

The Shared balances screen opens from the Debts tile on the home screen, or from the debts summary card.

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Shared balances screen

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Two readings

  • Global balances — what you owe and what you are owed, across all budgets
  • By budget — the detail, budget by budget

Three indicators at the top: net balance, number of open balances, number of shared budgets.

If there is nothing: "All settled".

Where a balance comes from

It is never entered. Boney takes the budget's expenses, computes what each person actually paid, what each should have borne according to each expense's split, and derives a net balance.

Reciprocal balances offset each other

If you owe me 30 and I owe you 20, a single balance is shown: you owe me 10. Boney does not show two debts that partly cancel out.

Each expense's split is the source of truth

Not the budget's current split. Changing the budget rule today therefore does not rewrite yesterday's balances.

There is no direct editing

No screen lets you create, edit or erase a balance. Only two moves change one: correct the expense that produced it, or record a settlement.

Settling from the right budget

Balances are anchored to the budget that produced the expense. To settle one, the screen points you back to the source budget: that is where the settlement is recorded.

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