Everything you need to get the most out of Indigo Money.
Accounts
Managing your accounts.
Accounts are the foundation of Indigo Money. Each account tracks a balance and holds its own transactions. You can have as many accounts as you need across eight different types.
Account types
Choose the type that best matches your real-world account.
Choose an account type — this affects how the account appears in reports.
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Enter a name and select the currency for this account.
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Set a starting balance to match your real-world balance on the date you're adding it. This ensures your history and reports are accurate from day one.
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Tap Save. The account appears in your accounts list immediately.
Account groups
Accounts can be organised into groups — useful if you want to separate personal and business accounts, for example. Two groups exist by default: Accounts (your active accounts) and Archive (accounts you're no longer using). You can create additional groups from the account list.
Archiving an account
Archiving moves an account to the Archive group, hiding it from your main view while keeping all of its transaction history intact. To archive, open the account, tap Edit, and move it to the Archive group. All past data remains available for reports and export.
Tip: Each account has its own currency. If you hold accounts in different currencies, all balances are automatically converted to your base currency when totals are shown.
Transactions
Recording transactions.
Every financial movement is recorded as a transaction. Indigo Money supports three types, covering everything from everyday purchases to moving money between your own accounts.
Transaction types
Income
Money coming in — salary, interest, reimbursements, or any positive amount.
Expense
Money going out — purchases, bills, subscriptions, or any payment you make.
Transfer
Money moving between two of your own accounts — e.g. paying off a credit card or moving savings.
Creating a transaction
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Tap + from anywhere in the app, or open an account and tap + to pre-fill it.
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Select the type: Income, Expense, or Transfer.
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Enter the amount and confirm the currency. For multi-currency transactions, you can also set the exchange amount and currency.
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Pick a date and time, and optionally assign a category, payee, and notes.
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Tap Save. The transaction is added and balances update immediately.
Filtering transactions
Use the filter button on any transaction list to narrow down what you see. You can filter by:
Date rangeTypeAccountCategoryPayeeAmount range
Preset date ranges include This Month, Last Month, This Year, Last Year, and fully custom start/end dates.
Tip: Indigo Money suggests categories and payees automatically based on your existing transaction history, saving time when adding similar transactions.
Categories
Organising with categories.
Categories let you group transactions by purpose, so your insights and reports reflect where your money actually goes. Indigo Money comes with over 40 built-in categories, and you can add your own.
How categories are structured
Categories use a two-level hierarchy: parent categories (e.g. Food, Transport) and subcategories that belong to them (e.g. Groceries, Fuel). You can assign a subcategory or a parent category directly to a transaction — whichever level makes sense to you.
Built-in categories
Indigo Money includes categories covering most day-to-day spending and income:
Enter a name and optionally select a parent category to make it a subcategory.
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Tap the icon to pick from over 100 SF Symbols icons — search by keyword to find the right one quickly.
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Tap Save. The category is immediately available when adding transactions.
Tip: You can set a spending or income budget for any category. Budgets appear in the Insights screen so you can track progress against your targets each month.
Payees
Tracking payees.
Payees represent the people, shops, or services you transact with. Linking transactions to payees lets you see exactly how much you spend at each merchant over time.
Creating a payee
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Go to Payees and tap +, or type a new name directly in the payee field when creating a transaction.
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Enter the payee name. Indigo Money generates a two-character abbreviation automatically for display in compact views.
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Tap Save. The payee is now available across all transaction forms.
Viewing per-payee history
Tap any payee to see the full list of transactions linked to it — with the total amount and transaction count shown at the top. This makes it easy to review your spending at a specific merchant or track payments to a recurring supplier.
Editing and deleting payees
Open a payee and tap Edit to rename it. Deleting a payee removes it from your payee list but does not delete the transactions linked to it — those transactions simply have no payee assigned afterwards.
Tip: Payee names from imported transactions are matched against your existing payees automatically, keeping your history consistent without any manual work.
Scheduled Transactions
Recurring payments and income.
Scheduled transactions let you track bills, subscriptions, and regular income automatically. Set one up once and Indigo Money will remind you — or apply it — on the right day every period.
Creating a scheduled transaction
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Go to Scheduled and tap +.
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Fill in the transaction details — type, amount, account, category, and payee — just like a regular transaction.
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Choose a repeat interval: daily, weekly, every 2 weeks, every 4 weeks, monthly, quarterly, or yearly.
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Set the start date — the first date this transaction is due.
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Tap Save. The schedule appears in the calendar view with all upcoming occurrences.
Applying or skipping a scheduled transaction
When a scheduled transaction is due, it appears at the top of the Scheduled screen. Tap Apply to add it to your accounts as a real transaction, or Skip to dismiss it for that period without recording anything.
Tip: Home Screen and Lock Screen widgets can show your next upcoming scheduled transaction, so you're always aware of what's due without opening the app.
Budgets
Setting spending and income targets.
Budgets let you set a monthly target for any category — whether that's capping what you spend on dining out or making sure your salary income is being tracked against a goal. Progress is shown in real time as transactions come in.
Creating a budget
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Go to Categories and open the category you want to budget.
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Tap Add Budget.
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Choose the budget type: Expense (a spending limit) or Income (a target amount to receive).
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Enter a target amount in your base currency.
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Tap Save. The budget appears on the Insights screen alongside a progress indicator.
Tracking budget progress
Open the Insights screen to see all active budgets. Each one shows the amount spent (or earned) so far against the target, expressed as a percentage. Budgets reset at the start of each month and reflect only transactions within the current period.
Editing and removing a budget
Open the category the budget belongs to and tap Edit Budget to change the target amount or type. To remove a budget entirely, open it and tap Delete Budget. Removing a budget does not affect any transactions.
Tip: You can budget at the parent category level (e.g. Food) or at a subcategory level (e.g. Groceries). Budgeting at the parent level rolls up all subcategory spending automatically.
Insights
Understanding your finances.
The Insights screen turns your transaction history into charts that answer real questions about your money — balance trends, cashflow, savings rate, and spending breakdowns by category, payee, or account.
Available charts
Balance
Running balance over time. See how your net worth changes day by day.
Cashflow
Monthly income vs. expenses side by side. Spot months where spending exceeded income.
Savings
Cumulative savings trend across the selected period. Track progress towards a savings goal.
Heatmap
A calendar-style map of transaction activity. Highlights your highest-spend days at a glance.
Expenses by Category
Breakdown of spending across all your categories. Identify where most of your money goes.
Expenses by Payee
Breakdown of spending by merchant or person. Useful for spotting high-frequency or high-value suppliers.
Expenses by Account
Which accounts carry the most spending. Helpful when you have several cards or cash accounts.
Income by Category
How your income is distributed across income categories — salary, interest, bonuses, and more.
Changing the time period
All charts respect the selected time interval. Available options are:
Last 30 daysLast 60 daysLast 3 monthsLast 6 monthsLast 12 monthsThis yearAll time
Tip: Charts can be filtered by account, category, or payee — tap the filter icon at the top of the Insights screen to focus on a specific subset of your data.
Currencies
Managing multiple currencies.
Indigo Money supports over 150 currencies following the ISO 4217 standard. Each account can hold a different currency, and all balances are automatically converted to your chosen base currency so your totals always make sense.
Setting your base currency
Your base currency is the one used for totals, reports, and the Insights screen. To change it, go to Settings → Base Currency and pick the currency you primarily use. All account balances and chart values are expressed in this currency using the latest exchange rates.
Adding a currency
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Go to Settings → Currencies.
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Tap + and search for the currency by name or code (e.g. EUR, GBP, JPY).
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Tap Add. The currency is now available when creating accounts or recording transactions.
Exchange rates
Exchange rates update daily via CurrenciesAPI. Rates are used automatically whenever a balance needs to be converted to your base currency. You can also view current rates between any two currencies using the Currency Widget on your Home Screen or Lock Screen.
Recording a currency exchange transaction
When you physically exchange money — for example, converting pounds to euros before travelling — record it as a Transfer between two accounts of different currencies. In the transfer form, set the exchange amount and exchange currency fields to capture the exact rate you received. This keeps your account balances accurate and preserves the historical rate for reporting.
Tip: If you hold accounts in multiple currencies, the balance shown on the main screen converts everything to your base currency at today's rate. Historical balances use the rate recorded at the time of each transaction.
Import
Bringing data in.
Indigo Money can import data from most other personal finance apps and bank exports. Supported import formats include CSV, QIF, and the native encrypted backup (.imb).
Importing a CSV file
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Go to Settings → Import and select your CSV file.
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Indigo Money auto-detects whether columns are comma or semicolon separated.
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Use the column mapping screen to match each column in your file to the corresponding field — Date, Amount, Category, Payee, Notes, and so on.
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Confirm and tap Import. Transactions are added to the account you specify.
Importing a QIF file
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Go to Settings → Import and select your QIF file.
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Choose the destination account where the transactions should be added.
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Tap Import. Payees and categories found in the file are matched against your existing data automatically.
Loading sample data
If you'd like to explore all features before adding your own data, go to Settings → Import Sample Data. This loads a pre-built set of accounts and transactions. When you're ready to start fresh, go to Settings → Reset All Data to remove everything.
Tip: Payee names from imported transactions are matched against your existing payees automatically, keeping your history consistent without any manual work.
Export
Taking your data with you.
You can export your transactions and full data in several open formats at any time. Your data is always yours — no lock-in.
Export formats
CSV
Comma- or semicolon-separated values. Opens directly in Excel, Numbers, and most finance apps.
QIF
Quicken Interchange Format. Widely supported by legacy and desktop finance applications.
JSON
Structured full-data export. Useful for custom processing, scripting, or migrating to another system.
Encrypted Backup (.imb)
A complete encrypted snapshot of all accounts, transactions, categories, payees, and settings.
Exporting transactions
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Go to Settings → Export.
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Choose a format: CSV, QIF, or JSON.
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Select the date range and optionally filter by account.
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Tap Export. The file is generated and the iOS share sheet opens so you can save or send it anywhere.
Tip: CSV exports include all transaction fields — date, amount, type, account, category, payee, and notes — making them easy to open and analyse in a spreadsheet.
Backups
Keeping your data safe.
Indigo Money's encrypted backup format (.imb) captures everything in a single file — accounts, transactions, categories, payees, scheduled transactions, budgets, and settings. It's the recommended way to safeguard your data before switching devices or making large changes.
Creating a backup
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Go to Settings → Export and choose Encrypted Backup.
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The app generates a .imb file containing all your data, fully encrypted.
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Use the iOS share sheet to save the file to iCloud Drive, Files, or any cloud storage you prefer.
Restoring from a backup
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Go to Settings → Import on any device with Indigo Money installed.
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Select your .imb backup file from Files or iCloud Drive.
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Confirm the restore. All accounts, transactions, categories, payees, scheduled transactions, budgets, and settings are restored exactly as they were.
Tip: Back up before resetting your iPhone, transferring to a new device, or running Settings → Reset All Data. A backup can be restored on any device running Indigo Money.
Password Protection
Securing your financial data.
Indigo Money supports Face ID, Touch ID, and a numeric passcode to prevent unauthorised access. Your credentials are stored securely in the iOS Keychain and never leave your device.
Enabling Face ID or Touch ID
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Go to Settings → Security.
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Toggle on Face ID (or Touch ID on supported devices).
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The app will prompt for biometric authentication each time it is opened or returns from the background.
Setting an app passcode
If biometric authentication is unavailable or fails, Indigo Money falls back to a numeric app passcode. Go to Settings → Security → Set Passcode to configure one. The passcode is separate from your iPhone passcode and is stored securely in the Keychain.
How your data is protected
iOS Keychain
Credentials and sensitive settings are stored in the iOS Keychain, protected by the Secure Enclave on supported hardware.
Encrypted backups
Backup files (.imb) are encrypted before being written to disk. They cannot be read outside of Indigo Money.
No cloud sync
Your financial data is stored only on your device. Nothing is transmitted to Indigo Money servers.
Auto-lock
The app locks automatically when it moves to the background, requiring authentication on the next open.
Tip: Even if someone gains access to your device's Files app, exported backups are encrypted and unreadable without Indigo Money. Keep a backup in iCloud Drive for peace of mind.