📱 Accrivo Feature Registry

Purpose: This document outlines the full capabilities of every major feature in the app. It serves as a comprehensive guide for our users and community.

🏦 The Vault (Accounts Management)

Navigation: Bottom Navigation -> Accounts

📖 What It Is

A comprehensive system to manage all your financial entities with smart organization, grouping your Bank Accounts, Wallets, Physical Investments, and Liabilities.

⚡ The Superpowers

Smart Grouping & Subtypes: Automatically groups accounts by Assets, Investments, Liabilities, and People with subgrouping (e.g. Liquid vs Non-Liquid Assets).
Subtotals & Privacy: Intelligent subgroup subtotals and a privacy toggle to instantly mask all amounts.
Integrated Managed Dues: Your “People” accounts are deeply integrated, allowing you to track exactly who owes what across all accounts.

🎨 Personalization

Custom Ordering (Drag-and-Drop): Users have complete control over the layout. Entire account groups (e.g., “Investments” vs “Assets”) can be dragged and reordered. Individual accounts within those groups can also be reordered manually to prioritize the most frequently used entities.
Privacy Masking: A simple toggle instantly hides all balances, ideal for checking the app in public spaces without exposing net worth.

❤️ Why You’ll Love It

Provides total control over your financial dashboard, allowing you to customize your view, instantly see grouped net worth, and quickly manage both institutional accounts and personal lending.

💳 Credit Health (Beat the Cycle)

Navigation: Dashboard -> Credit Insights OR Bottom Navigation -> Accounts -> Credit Cards

📖 What It Is

A specialized tracking module for credit cards to monitor spending velocity, total credit spend, and utilization with cycle-aware intelligence.

⚡ The Superpowers

Statement vs Calendar Tracking: Intelligent date logic that tracks credit usage based on your actual billing cycles, rather than just calendar months.
Utilization Monitoring: Visual indicators of your current credit utilization across all cards.
Sentiment-Driven Insights: Provides actionable insights on your credit habits to encourage smarter financial decisions.

❤️ Why You’ll Love It

Credit cards require different handling than standard cash accounts. This feature focuses on your true available spending capacity rather than just raw balances, helping you avoid debt traps and maximize credit benefits safely.

🗂️ Make It Yours (Category Management)

Navigation: Bottom Navigation -> More -> Manage Categories

📖 What It Is

A highly customizable system for users to organize their finances exactly how they want.

⚡ The Superpowers

Two-column layout separating Groups (e.g., “Food”) from Subcategories (e.g., “Groceries”, “Dining Out”).
Drag-and-drop functionality to instantly move subcategories between groups.
Custom icon and color selection for personalized tracking.

❤️ Why You’ll Love It

Your money, your rules. Easily drag-and-drop your spending categories to create a personalized financial dashboard that makes sense to you.

📝 The Engine (Ledger & Transactions)

Navigation: Bottom Navigation -> Transactions OR + FAB

📖 What It Is

The core engine for logging and managing everyday financial activities, supporting both standard intent-based tracking and an intelligent Advanced Ledger mode for power users.

⚡ The Superpowers

Intent-Based Routing: (Standard Mode) Seamlessly flows into Income, Expense, or Transfer based on user intent.
Advanced Ledger Auto-Detection: (Advanced Mode) Automatically detects the type of transaction based on the selected accounts (e.g., Wallet to Bank = Transfer) from a single screen.
Transaction Live Preview: Real-time visual preview of the transaction impact as you type.
Split Transactions: Ability to split a single transaction across multiple categories for granular tracking.
Pill Layout & In-line Editing: Space-efficient layout for selecting categories and full support for editing past transactions directly from the ledger.

🎨 Personalization

For Add Transactions (Data Entry):

Standard vs. Advanced Flow Toggle: Switch the default Add Transaction page from a guided, step-by-step form to a lightning-fast, single-screen power-user interface.
Transaction Live Preview: Toggle a natural language summary preview of the transaction impact before saving.

For Transaction Ledger (List View):

Timeframe View Modes: Group transactions by predefined ranges (Monthly, Quarterly, Yearly, All Time) or create Custom Fixed Date Ranges and Custom Cycles.
Data Filtering & Grouping: Toggle the visibility of internal Transfers or Equity Adjustments, and optionally group transactions by exact date.
Summary Visuals: Toggle top summary cards on or off, and enable Compact Amounts (e.g., 100K instead of 100,000) for a cleaner layout.
Card Styles & Density: Choose between Radius or Square card styles, and optionally enable a Compact View to reduce vertical spacing.

❤️ Why You’ll Love It

Flexibility meets power. Keep it simple with the basic transaction screen for complex split expenses, or opt-in to the Advanced Ledger to log any spending, earning, or transfer from one single, lightning-fast screen. The system adapts to your workflow ensuring absolute accuracy.

🔄 Set It & Forget It (Recurring Transactions)

Navigation: Bottom Navigation -> More -> Recurring Rules

📖 What It Is

Automated tracking for subscriptions, bills, and regular income to reduce manual entry and forecast future cash flow.

⚡ The Superpowers

Flexible Rules: Setup custom schedules (daily, weekly, monthly, etc.) for recurring items.
Auto-Logging: Optionally enable automatic logging, or keep it manual for review and approval.
Scheduled Overviews: Dedicated screen to manage and preview all upcoming scheduled transactions.

❤️ Why You’ll Love It

Set it and forget it. Automate your fixed expenses and income so your ledger stays accurate without the tedious manual entry every month.

📊 Who Owes Who? (Managed Dues)

Navigation: Dashboard -> Dues Card OR Bottom Navigation -> More -> Dues

📖 What It Is

A dedicated tracking system for money you owe or money owed to you, ensuring you never lose track of personal debts.

⚡ The Superpowers

Separate tabs for “To Receive” and “To Pay”.
Compact, easy-to-read cards showing the person’s name and the exact amount.
Direct integration with the Unified Money Flow to settle dues.

❤️ Why You’ll Love It

Never forget who owes you money again. Accrivo’s Managed Dues keeps a perfect, stress-free record of all your lending and borrowing with friends and family.

🎯 The Envelope System (Budget Planning)

Navigation: Bottom Navigation -> Budget

📖 What It Is

A powerful, envelope-style budgeting system to plan spending limits, track category-specific goals, and forecast future plans.

⚡ The Superpowers

Plans, Templates & Projections: Three distinct tabs to manage active budgets, save reusable templates, and view future projections.
Budget Wizard & Envelopes: Guided setup for budget plans, creating specific allocated “envelopes” for each category.
Copy to Next Period: Easily transition to a new month by duplicating a plan or saving it as a template.
Real-Time Visual Tracking: See exactly how much is allocated, spent, and free (or over budget) via dynamic progress bars and status badges.

❤️ Why You’ll Love It

Take proactive control of your finances. Envelope-style tracking ensures you allocate every dollar purposely, preventing overspending before it happens.

📈 Financial X-Ray (Advanced Analytics & Reports)

Navigation: Bottom Navigation -> More -> Reports & Analytics AND Bottom Navigation -> More -> Settings -> Export to Excel/CSV (Export Hub)

📖 What It Is

High-level intelligence transforming your transaction data into actionable financial health metrics, visual trends, and deep-dive insights.

⚡ The Superpowers

Momentum Header & Net Worth: Tracks absolute Net Worth and calculates the percentage momentum change compared to last month.
Intelligence KPI Grid: Real-time metrics for Savings Rate, Runway (months/years to survive on liquid assets), Debt Ratio, and daily Burn Rate.
Specialized Insight Screens: Dedicated deep-dives into Cash Flow Insights (Income vs Expenses), Credit Insights (Utilization & Limits), and Investment Insights.
Asset Allocation: Visual progress bars displaying the ratio of Liquid Assets, Non-Liquid Assets, Investments, and Liabilities.
Export Hub: Extract and download transaction and report data for external analysis.

❤️ Why You’ll Love It

Go beyond simple tracking. Understand exactly how long your runway is, monitor your savings rate, and manage your credit utilization at a glance to make informed financial decisions.

🤝 Invite Friends, Earn Premium (Referrals & Rewards)

Navigation: Bottom Navigation -> More -> Cloud & Account -> Login with Google Account

📖 What It Is

A rewarding invite system that allows users to share Accrivo with friends. Note: This feature requires users to log in with a Google Account to securely track and sync referral bonuses. Both the person inviting and the new user receive app credits once the new user starts logging transactions.

⚡ The Superpowers

Google Account Authentication: Ensures secure tracking of referrals and prevents fraud by linking rewards to authenticated accounts.
Welcome Bonus: New users instantly see a “+1 Credit” Welcome Bonus after entering a friend’s code.
Progress Tracking: A dedicated Referral History dashboard tracks the status of invited friends (Pending, Active, Expired).
Usage Verification: To prevent spam, referral bonuses are automatically unlocked only after the invited friend actually uses the app (e.g., logs their first transaction).
Real-time Alerts: Push notifications automatically inform users when a friend signs up using their code, and when the bonus is successfully credited.

❤️ Why You’ll Love It

Good financial habits are better with friends. Invite your network to Accrivo, track their progress, and earn premium app credits together—automatically.

🎨 A Joy to Use (Premium Design & UI)

📖 What It Is

A beautiful, highly responsive Glassmorphism interface that elevates personal finance from a chore into a premium, engaging experience.

⚡ The Superpowers

Glassmorphism Aesthetic: Modern translucent UI elements layered over vibrant, dynamic backgrounds.
Responsive Density: Granular control over UI spacing and display density (from Tiny to Extra Large) to fit more or less data on your screen.
Fluid Animations: Smooth micro-interactions and transitions across all screens.
Adaptive Typography: Customizable app-wide typography that adapts to your readability preferences.

❤️ Why You’ll Love It

Managing money shouldn’t feel like staring at a sterile spreadsheet. Accrivo’s premium design makes financial tracking visually engaging, intuitive, and a pleasure to use every day.

⚙️ Your App, Your Rules (Preferences & Security)

Navigation: Bottom Navigation -> More -> Settings

📖 What It Is

A comprehensive suite of personalization, data management, and security settings to tailor Accrivo exactly to your needs while keeping your data safe and private.

⚡ The Superpowers

🎨 Theme & Appearance

System or Custom: Match your device’s default settings or force Light/Dark mode.
Visual Aesthetics: Adjust the app’s overall look and feel to suit your visual preferences.

🌍 Localization & Currency Preferences

Custom Currency: Select and set your preferred default currency symbol.
Number Formatting: Tailor how numbers, commas, and decimals are displayed to match your regional format.

🔔 Notification Center & Settings

Custom Alerts: Manage exactly which push notifications you receive.
Referral & Updates: Stay informed about successful referrals and important app alerts without being overwhelmed.

☁️ Backup & Restore (Cloud Sync)

Google Drive Integration: Seamlessly connect and sync encrypted backups directly to your personal Google Drive account.
Local Control: Manually export backup files to your local device storage and restore them at any time for ultimate peace of mind.

🔒 Security & App Lock

Biometric Authentication: Use Face ID or Fingerprint scanning for instant, secure access.
PIN Code: Set a custom PIN code as a reliable fallback or primary lock.
Recovery Options: Configure secure recovery questions in case you forget your PIN.

❤️ Why You’ll Love It

Make Accrivo truly yours. From how it looks (Theme), how it behaves (Localization), and how securely it stores your data (Backup & App Lock), you have absolute, granular control over your personalized financial environment.