# Add or update a manual account

Add an account Treasury can't connect in Settings → Manual Accounts, then keep its balance up to date yourself, because manual accounts never sync.

## Add a manual account

A manual account tracks something Treasury can't connect to, such as cash, a house, a car or a bank Plaid doesn't support.

1. In **Settings → Manual Accounts**, select **New Account**. If you have none yet, select **Create account**.
2. Enter a **Name**.
3. Under **Type**, choose **Cash**, **Credit card**, **Investment**, **Loan** or **Other**.
4. Under **Kind**, pick the closest match, or select **Enter your own**.
5. Under **Balance**, enter the amount and currency. Choose **Owed** for money you owe or **Have** for money you have.
6. Select **Create**.

![The Create Manual Account dialog with Name, the Cash, Credit card, Investment, Loan and Other types, Kind and Balance](https://treasury.sh/help/manual-account-create.webp)

Each type offers its own kinds. **Cash** has Checking, Savings, Cash management and CD. **Investment** has Brokerage, Roth IRA, 401(k) and IRA. **Loan** has Auto loan, Mortgage, Personal loan and Line of credit. **Other** has Property, Vehicle and Trust.

In Net Worth, cash and investment accounts count as assets, and credit cards and loans count as debts. An **Other** account counts as an asset when you have it and a debt when you owe it.

## Update a manual account's balance

Treasury doesn't update a manual account's balance for you, except an **Investment** account with holdings. Change it whenever the real balance changes.

1. In **Settings → Manual Accounts**, open the account's **⋯** menu and select **Edit**.
2. Change the **Balance**. You can also change the name, type, kind and currency.
3. Select **Save Changes**.

Adding a transaction to a manual account doesn't change its balance. Net Worth saves the new balance that evening, US time. Earlier days in your net worth history stay as they were.

A manual **Investment** account with holdings in **Investments** is different. Treasury replaces its balance with the holdings' total once a day, after the US market closes, and whenever a holding changes. Removing its last holding sets the balance to 0.

## Add a transaction by hand

A transaction you add by hand appears in **Transactions** and counts in your budgets like any other. Only the **Transactions** page has **Add Transaction**.

1. In **Transactions**, select **Add Transaction** (the +).
2. Enter the details. Under **Account**, choose a manual account, or leave **No account**, for example for cash.
3. Select **Add Transaction**.

The **Account** field only appears when you have a manual account, and it only lists manual accounts. Connected banks add their own transactions. To bring in many transactions at once, [import a file](https://treasury.sh/help/import-csv#import).

## Move a manual account's history into a connected bank

If your bank becomes available to connect, you can move a manual account's history into the connected account. First [connect the bank](https://treasury.sh/help/connect-your-bank#connect).

1. In **Settings → Manual Accounts**, open the manual account's **⋯** menu and select **Merge**.
2. Under **Merge into**, choose the connected account. Only connected accounts with the same type and currency are listed.
3. Check **What will move**, then type the manual account's name to confirm.
4. Select **Merge account**.

Its transactions, recurring items and budget account links move to the connected account, and the manual account is deleted. A merge can't be undone. You can't merge two manual accounts, or an account with investment records.

> [!WARNING]
> The connected account keeps the balance your bank reports. Treasury doesn't remove transactions that both accounts have, so check the overlapping months for doubles.

To turn a connected bank into manual accounts instead, [disconnect it](https://treasury.sh/help/connect-your-bank#disconnect) and choose **Convert to manual accounts**.

## Remove a manual account

1. In **Settings → Manual Accounts**, open the account's **⋯** menu and select **Delete**.
2. Check how many transactions and recurring items are linked to it.
3. Choose what happens to its history, then confirm.

![The Remove dialog for a manual account with Keep transactions, Move history and Delete account and all history](https://treasury.sh/help/manual-account-remove.webp)

- **Keep transactions** removes the account but keeps its transactions, with no account assigned. Its recurring items are deleted.
- **Move history** opens [Merge](https://treasury.sh/help/manual-accounts#merge) to move the history into a connected account.
- **Delete account and all history** deletes the account, its transactions, recurring items and any investment records.

To remove several accounts, tick them in the list and select **Delete**. **Move history** is only offered for one account at a time. An account with any investment records, such as holdings or activity, can only be removed with **Delete account and all history**.

> [!CAUTION]
> **Delete account and all history** is permanent. Its transactions can't be restored from Trash.

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Open Manual Accounts in Treasury: https://app.treasury.sh/settings/manual-accounts

Page: https://treasury.sh/help/manual-accounts

Last checked against the app: 2026-11-04