User Guide

Understanding Your Dashboard

The dashboard provides a real-time overview of your financial status with cash flow visualizations and key metrics. The dashboard experience varies slightly by profile type.

Key Dashboard Components

• Total Balance Card - Aggregated balance across all your connected accounts with currency filtering options
• Category Flow Graph - Interactive visualization showing cash flow by activity classes (Operating, Investing, Financing) over time
• Time Period Controls - Switch between daily, weekly, and monthly views for different analytical perspectives
• Account Filtering - View data for all accounts or filter by specific accounts or currencies
• Cash Flow Breakdown - Detailed categorization of inflows (income) and outflows (expenses) by category hierarchy

Interactive Features

• Clickable Graphs: Click on graph elements to drill down into specific time periods or categories
• Dynamic Filtering: Change currencies, accounts, and time periods to see different views of your data
• Real-time Updates: Dashboard reflects changes immediately when you add, edit, or import transactions
• Responsive Design: Optimized for both desktop and mobile viewing

Working with Transactions

The Transactions section is where you view, categorize, and manage all your financial transactions. GoMonio supports both actual (historical) and forecast (future) transactions for comprehensive financial planning.

Adding Transactions

• Manual Entry - Add individual transactions with full details including counterparty information, references, and custom categories
• CSV/Excel Import - Bulk import from bank statements with a guided 4-step process:
  • Upload file and configure delimiters
  • Map your columns to required fields (Date, Description, Amount)
  • Assign categories to each transaction preview
  • Review import results with detailed success/error reporting
• PSD2 Bank Sync - Automatic daily import from connected bank accounts (syncs yesterday's transactions daily at 5:00 AM, with manual history import up to 24 months, most banks support 90 days guaranteed)

Transaction Features

• Smart Categorization - Default categories assigned based on transaction amount (positive = income, negative = expense) with manual override
• Advanced Filtering - Filter by date ranges, accounts, categories, currencies, status (actual/forecast), and specific transaction templates
• Split Transactions - Divide single transactions across multiple categories for detailed tracking (available in higher tiers)
• Transaction Templates - Create reusable templates for recurring transactions to save time on data entry
• Bulk Operations - Select multiple transactions for batch operations like category changes or deletions

Transaction Status Types

Templates & Recurring Transactions

Templates allow you to create reusable patterns for recurring transactions that automatically generate forecast transactions. This feature is essential for cash flow planning, helping you predict future income and expenses based on regular patterns.

Creating a Template

Navigate to Transactions → Templates to create your first recurring template:

1. Basic Information
   • Template Name: Descriptive name (e.g., "Monthly Rent", "Client Retainer")
   • Description: Details that will appear in generated transactions
   • Amount: Fixed amount for each occurrence
   • Transaction Type: Income or Expense (determines available categories)
2. Account & Category Assignment
   • Account: Which bank account the transactions will be assigned to
   • Category: Appropriate income or expense category for proper classification
   • Currency: Automatically set based on selected account
3. Recurrence Pattern
   • Frequency: Daily, Weekly, Monthly, or Yearly
   • Interval: Every 1, 2, 3... occurrences (e.g., "every 2 weeks")
   • Start Date: When the first transaction should occur (must be tomorrow or later)
   • Occurrence Limit: How many times it should repeat (optional)

Template Status Management

Working with Generated Forecasts

• Automatic Generation: When you activate a template, it automatically creates forecast transactions based on your recurrence pattern up to 12 months in advance
• Viewing Forecasts: Click "View Forecasts" on any template to see all generated transactions, or filter transactions by template on the main Transactions page
• Editing Templates: When you modify a template, all future forecast transactions are automatically regenerated to match the new pattern
• Manual Adjustments: Individual forecast transactions can be edited without affecting the template - useful for one-time changes like vacation delays

Best Practices

• Start with Major Recurring Items: Begin with your largest, most predictable recurring income and expenses
• Use Descriptive Names: Clear template names make it easier to manage multiple templates
• Review Regularly: Check templates monthly to ensure they still reflect your current financial situation
• Set Reasonable Limits: Use occurrence limits for temporary recurring items (like short-term contracts)
• Monitor Dashboard Impact: Templates improve the accuracy of your cash flow forecasting on the dashboard

Understanding GoMonio's Category System

GoMonio uses a sophisticated three-tier categorization system based on cash flow analysis principles. This system automatically organizes your transactions for better financial insights and reporting.

Three-Tier Category Hierarchy

1. Activity Classes (Top Level) - Major financial activity types:
   • Operating Activities: Day-to-day income and expenses
   • Investing Activities: Asset purchases, sales, and investment returns
   • Financing Activities: Loans, equity, and capital movements
2. Category Groups (Mid Level) - Organizational subdivisions:
   • Income, Expenses (Operating)
   • Asset Acquisitions, Asset Disposals (Investing)
   • Capital Inflows, Capital Outflows (Financing)
3. Categories (Detail Level) - Specific transaction types:
   • Sales, Services, Rent, Marketing, etc.

Default Category Examples

Customization Options

• Add Custom Categories: Create categories specific to your business or personal needs
• Modify Existing Categories: Rename or adjust default categories to match your terminology
• Income vs Expense Types: Each category is designated as either income or expense for proper cash flow analysis
• Activate/Deactivate: Control which categories appear in transaction forms and imports

Connecting Your Bank Accounts

GoMonio's banking tool uses PSD2/Open Banking technology to securely connect to your bank accounts across Europe, providing automatic transaction synchronization, real-time balance updates, and historical data import.

Getting Started with Bank Connection

1. Navigate to Bank Accounts

   Go to Settings → Bank Accounts and click "Add Account"

2. Choose Connection Type

   Select "Connect Bank (PSD2)" for automatic synchronization, or "Manual Entry" for basic tracking

3. Select Your Country and Bank

   Choose from all supported EEA countries, then select your specific banking institution from our comprehensive list

4. Authorize Bank Connection

   You'll be redirected to your bank's secure login portal to authorize the connection - this process is fully regulated and secure under PSD2

Banking Features & Capabilities

• Automatic Transaction Sync

  Transactions are automatically synced daily at 5:00 AM, fetching yesterday's transactions for maximum accuracy (banks typically have 1-day processing delay). Balance information is also synced automatically during this process.

• Historical Data Import

  Import up to 24 months of transaction history with user-selectable date ranges (most banks support 90 days guaranteed), automatically chunked into optimized batches to respect API rate limits

• Sync App and Account Balance

  Synchronizes your app's balance with your bank's available balance by calculating a new starting balance.

• Enhanced Transaction Data

  Rich transaction information including counterparty names, IBANs, payment references, transaction codes, and remittance information

• Consent Management

  90-day consent periods with automatic renewal prompts and consent status tracking

Managing Connected Accounts

Rate Limits & Technical Details

• API Rate Limits: 100 calls per minute for account endpoints (automatically managed)
• Chunking Strategy: Large date ranges automatically split into optimized chunks with intelligent delays
• Duplicate Prevention: Transactions are deduplicated using unique identifiers from the bank
• Error Handling: Comprehensive retry logic and error logging for troubleshooting
• Data Retention: 90-day continuous access guaranteed, with 24-month history available on connection

Troubleshooting & Support

• Connection Issues: Use the reconnect feature if sync stops working
• Missing Transactions: Try historical import for specific date ranges
• Consent Expiration: Renew bank authorization when prompted (every 90 days)
• Rate Limit Errors: Wait a few minutes and try again - the system automatically manages limits
• Duplicate Transactions: The system prevents duplicates, but verify if you see any

Understanding GoMonio's Billing System

GoMonio uses a straightforward subscription-based billing system powered by Stripe. Your billing requirements depend on your profile type, and the platform provides flexible payment options with transparent pricing.

Subscription Plans & Pricing

Additional Member Slots

Business Premium and all Agency plans can purchase additional member slots:

• Cost: €5 per slot per month (automatically billed)
• Range: 1-50 additional slots per profile
• Flexibility: Increase or decrease quantity anytime with automatic proration
• Billing Sync: Member slots automatically match your main subscription billing cycle

Managing Your Subscription

Access billing management through Settings → Billing:

• View Current Plan: See your active subscription, next billing date, and usage
• Update Payment Method: Change credit cards or update billing information
• Change Plans: Upgrade or downgrade with automatic proration
• Manage Member Slots: Adjust team size for Premium/Agency plans
• Download Invoices: Access all past invoices and receipts
• Cancel Subscription: End subscription with access until period end

Free Trials & Trial Management

Agency-Specific Billing Features

Payment Methods & Security

• Credit Cards: Visa, Mastercard, American Express accepted worldwide
• European Cards: SEPA support for European bank cards
• Secure Processing: All payments processed by Stripe with bank-level security
• Automatic Tax: EU VAT automatically calculated and applied where required
• Promotion Codes: Apply discount codes during subscription setup

Getting Help with Billing

If you need assistance with billing issues:

• Payment Failures: Update your payment method through Settings → Billing
• Invoices: Download from your billing dashboard or contact support
• Refund Requests: Prorated refunds are automatic for plan changes and agency transitions
• Plan Questions: Compare features and pricing in Settings → Billing
• Technical Issues: Contact support if billing setup fails or subscription creation errors occur

Team Collaboration & Member Management

GoMonio's member management system allows you to invite team members, family, or colleagues to collaborate on your profiles with granular role-based permissions. Available for Personal Premium, Business, and Agency profiles.

🚀 Getting Started with Team Members

1. Navigate to Member Management

   Go to Settings → Team Members. Only Owners and Admins can access this page.

2. Check Your Member Limits

   View your current member count vs. limits at the top of the page. Limits vary by tier:

   • Personal Free: 1 member (owner only)
   • Personal Premium: 5 members total
   • Business Basic: 1 member (owner only)
   • Business Premium: 5 members + purchasable additional slots
   • Agency Plans: 5+ members + purchasable additional slots
3. Invite New Members

   Use the "Invite New Member" form to add team members:

   • Enter the email address (user must have a verified GoMonio account)
   • Select appropriate role (Viewer, Editor, or Admin)
   • System checks member limits before sending invitation
4. Invitation Process

   After submitting the invitation:

   • Invitation email sent automatically with secure link
   • Member appears in "Pending Invitations" section
   • Invited user cannot access profile until they accept via email link
   • Invitation expires in 7 days if not accepted

👥 Managing Team Members

🔒 Security & Access Control

💡 Best Practices

📈 Expanding Your Team

❓ Troubleshooting

Keeping Your Account Secure

GoMonio uses multiple layers of security to protect your financial data and account access. Understanding these features helps you maintain optimal security for your account.

Password Management

Access password security through Settings → Security.

• Change Password: Update your password anytime. Requires your current password for verification.
• Password Requirements: Strong passwords with minimum length and complexity requirements
• Security Impact: Changing your password logs out all other active sessions for security

Two-Factor Authentication (Email-Based)

Every login requires both your password and email confirmation for enhanced security.

• How it Works: After entering your password, we send a confirmation link to your email
• Time Limits: Confirmation links expire after 15 minutes
• Device Tracking: New devices or locations always require email confirmation
• One-Time Use: Each confirmation link can only be used once

Active Session Management

Monitor and control where you're logged in through Settings → Security → Active Sessions.

• Session Overview: See all devices where you're currently logged in
• Device Information: View browser, device type, location, and last access time
• Terminate Sessions: Log out of specific devices or locations remotely
• Session Duration: Standard sessions last 1 hour, "Remember Me" sessions up to 30 days

Account Protection Features

GoMonio automatically protects against common attack patterns.

• Failed Login Protection: Accounts lock for 30 minutes after 5 failed login attempts
• Rate Limiting: Protection against automated attacks with progressive delays
• IP Tracking: Monitoring of login patterns and suspicious activity
• Password Reset Security: Secure reset process with time-limited tokens

Bank Connection Security (PSD2)

When using automatic bank connections, additional security measures apply.

• Read-Only Access: GoMonio can only read your transactions, never initiate payments
• Bank-Level Security: Connections use your bank's own secure authentication
• Regular Re-authorization: Bank connections require periodic re-authentication (typically every 3-6 months)
• Revoke Anytime: Disconnect bank accounts through Settings → Bank Accounts

Security Best Practices

If You Suspect Unauthorized Access

Managing Clients (Agency Users)

Agency profiles provide powerful tools to manage multiple business clients with complete data isolation, streamlined onboarding, and comprehensive client management capabilities.

Client Invitation & Onboarding

• Email Invitations - Send professional email invitations with business type selection and custom messages
• Secure Token System - 7-day expiration tokens with unique UUIDs for secure access
• Profile Flexibility - Clients can use existing business profiles or create new ones during acceptance
• Automatic Premium Access - Clients automatically receive premium business features when they join
• Subscription Refund Processing - Automatic refund handling for existing business subscriptions (yearly plans get prorated refunds, monthly plans cancel at period end)

Client Management Tools

• Client Dashboard - Centralized view of all clients with status tracking and relationship management
• Data Isolation - Complete separation of client data for security, privacy, and compliance
• Relationship Management - Track active/inactive relationships, start/end dates, and relationship types
• Invitation Management - Resend, revoke, and track invitation status with detailed history
• Profile Switching - Seamlessly switch between your agency profile and client profiles for direct management

Agency Features

• Business Dashboard: Same powerful dashboard as business profiles with forecasting and business-specific reports
• Multi-Currency Support: Manage clients across different currencies and regions
• Role-Based Access: Team members with different permission levels (Owner/Admin/Editor/Viewer)
• Consolidated Reporting: (Coming soon) View aggregated data across all clients
• Billing Automation: Client count automatically tracked for tier limit enforcement