Managing Funds

Funds accumulate history over time. Some will outlive their purpose — a dating fund when Alex is no longer dating, a savings goal that has been met, a category that turned out not to be useful. FundOS handles this with fund closing: a way to retire a fund without deleting it or losing its history.

Transferring the Balance

Before closing the Dating fund, Alex moves its balance to Flex. Since this is not a real bank transaction, Alex creates a $0.00 transaction on the Credit Card account — where the dating expenses lived — and splits the allocation between the two funds.

The negative allocation on Dating reduces its balance to $0.00. The positive allocation on Flex increases it by the same amount. The transaction nets to zero so the account balance is unaffected. Alex marks it reconciled so it does not sit as pending.

This is the Transfers pattern in practice. Any time money moves between funds without a real bank transaction involved, a $0.00 transaction makes the reallocation explicit and keeps the fund histories accurate.

Closing the Fund

Alex clicks the Dating fund to open its history. Alex clicks Close Fund in the top right corner.

Alex clicks Close Fund. The button changes to Open Fund, indicating the fund is now closed. The transaction history remains intact — closing a fund does not delete anything.

A closed fund is hidden from the Funds column and from the allocation dropdowns throughout FundOS. If Alex ever needs to reopen it, clicking Open Fund restores it completely.

Visibility on the Main Screen

By default the main screen does not show closed funds. The visibility toggle in the Funds column header controls this.

Clicking the toggle reveals closed funds in a muted style, making it easy to distinguish them from active ones.

A closed fund with a non-zero balance always appears regardless of the toggle — FundOS keeps it visible so the balance is never hidden from view.

The Transfers Fund

The $0.00 transaction above hints at a broader pattern worth setting up explicitly. When Alex pays the credit card bill from checking, two transactions appear: a debit on checking and a credit on the credit card. Neither is a real expense — money is just moving between accounts.

Alex creates a fund called Transfers and uses it to categorize both sides of any inter-account movement. The checking debit gets a negative allocation to Transfers; the credit card payment gets a positive allocation to Transfers. The fund balance stays at $0.00 as long as both sides are categorized. If it drifts from zero, something is miscategorized — the fund history will show which transaction is the culprit.