Deposit Tracking
Track fixed-term savings as deposit accounts kept separate from everyday spending, with interest rate, maturity date, days remaining, and expected payout.
Why deposits need their own account type
A deposit is not everyday cash. Budgie treats it as a distinct account type so the principal stays separate from normal spending accounts while still appearing in your broader account list.
Deposit accounts store an optional annual interest rate and maturity date. The account details screen uses those fields to show days remaining and an expected payout estimate, without pretending interest has automatically posted.
What you get
Dedicated Deposit account type for fixed-term savings and locked principal
Interest rate and maturity date fields for each deposit account
Days remaining and expected payout shown from your balance, rate, and maturity date
Close a deposit into a selected destination account with a transfer, then archive it
Deposit principal is protected from normal expense spending and cannot go negative
“Include in net worth” stays available when a deposit should or should not count
How it works
Create a Deposit account manually or from a bank integration. Add its current balance, currency, interest rate, and maturity date so Budgie can show the deposit details alongside your other accounts.
When the deposit matures, choose the destination account and close it. Budgie transfers the remaining balance from the deposit account and archives the deposit so it leaves the home screen without losing history.
Frequently Asked Questions
Can I spend from a deposit account?
Does Budgie automatically accrue deposit interest?
How do I close a deposit?
Can deposits be included in net worth?
Related Features
Read More on the Blog
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