Login / Sign Up Forgot Password?

This is where you sign in to MSR, or create your MSR account if you're new.

Fields

• Email — the email address for your MSR account. If you're signing up, use an address you can access — MSR sends a confirmation email to it, and it identifies your account.
• Password — your MSR password. At least 8 characters, including an uppercase letter, a lowercase letter, a number, and a symbol. When signing up, choose something you'll remember; you'll need it every time you sign in.

What to do

• New to MSR? Choose Sign Up, enter your email and a password. You may see a quick verification check first — it confirms you're a real person, not a bot, and takes just a moment. MSR then creates your account and shows a confirmation — check your email and click the link before signing in for the first time.
• Returning? Enter your email and password and tap Sign In. You'll land on your Account List.
• On a keyboard (web), Tab moves from email to password and Enter signs you in.

Results

A successful sign-in always takes you to the Account List. When you're finished using MSR, sign out with Logout — you'll come back to this page.

Account List

Your home screen: one card per bank account.

What each card shows

• The account's details (bank and account name).
• Its live Current Balance — your opening balance plus every transaction recorded in MSR. This recalculates automatically after every add, edit, delete, or import. A balance below zero displays in red.

What you can do here

• Open a register — tap an account card to open that account's transaction register.
• Add an account — use the add-account option to create a new account (you'll be taken to the Account form).
• Open the account menu — tap ⋮ on a card for actions on that specific account: Import, Edit account, Delete account.

Results

Tapping a card opens the Register for that account (the screen rotates to landscape). Adding an account returns you here with the new card showing its opening balance.

Account menu (⋮)

Tapping ⋮ on an Account List card opens a menu of actions for that account only — the account's name is shown at the top so you know which one you're acting on.

The options

• Edit account — change this account's details: bank name, account name, numbers, name on account, or opening balance. Opens the Account form with the current values filled in.
• Reconcile account — bring MSR in line with a bank statement: deletes confirmed (cleared) transactions and rolls your balance forward. Opens the Reconcile sheet — see Reconcile account.
• Delete account — permanently removes this account and every transaction in it. You'll be asked to confirm first. This cannot be undone — if in doubt, don't.
• Import — load transactions into this account from a bank export file (CSV or QIF). Opens the Import sheet.
• Export Transactions — download a CSV copy of every transaction in this account via your phone's share sheet. Free — see Export Transactions.

Results

Edit, Reconcile, Import, and Export take you to their own screens or hand off to your phone's share sheet. Delete (after you confirm) removes the card from the Account List immediately, along with all of that account's transactions. Closing the menu with the back/close icon does nothing — it's always safe.

Add / Edit Account

One form does both jobs: creating a new account, and editing an existing one (via ⋮ → Edit account, which opens it with the current values filled in).

Fields

• Bank name — the institution, e.g. "ING". Optional.
• Account name — your own label for the account, e.g. "Everyday Checking". This is what you'll see on the Account List card and the register header. Required.
• Opening balance — the most important field, though optional — leave it blank and MSR treats it as zero. This is the balance your register starts from: every running balance is calculated as this figure plus your transactions. Set it to the account's actual balance at the moment you start tracking it in MSR. Money you owe? Enter a negative figure.

Results

• Save stores the account and returns you to the Account List. A new account starts with an empty register showing the opening balance as its Current Balance.
• Editing the opening balance later is safe: every running balance in the register recalculates automatically.
• Tapping the back arrow instead of Save asks you to confirm before discarding anything you've typed.

Register

The heart of MSR — this account's transactions in classic check-register form. It displays in landscape so all columns fit; your phone rotates automatically.

The columns

Above the table, the header shows the account's Current Balance, updated instantly after every change. Negative amounts in the Balance column and a negative Current Balance display in red.

Once the account has been reconciled at least once (see Reconcile account), a smaller second line appears beneath Current Balance: "Last reconciled: [date] · [balance]" — your most recent statement date and the balance rolled forward at that reconciliation. Not shown before a first reconcile.

Rows aren't limited to the past — a bill or paycheck entered with a future date takes its place in the register at that date and is included in the running balance from there, so scrolling forward shows your projected balance, not just today's (see Add / Edit Transaction).

What you can do here

• Add a transaction — tap the round + button (bottom-left). A brand-new account shows "Tap + to add your first transaction".
• Edit a transaction — tap the ✏ pencil on its row. No pencil means the row is cleared and locked against accidental edits — tap its Clr cell to unclear it and the pencil returns.
• Mark cleared / uncleared — tap a row's Clr cell to toggle. Cleared (c) = confirmed against your bank and locked; uncleared (blank) = editable.
• Sort by date — the register opens oldest-first, like a paper check register, so your newest entries and latest balance are at the bottom — scroll down for recent activity. Tap the Date column heading to flip to newest-first and back. On the same day, deposits appear above withdrawals so the running balance reads correctly.
• Get on-screen help — tap the ⓘ icon in the app bar.
• Go back — use the app bar's back arrow to return to the Account List. Your phone's own back button/gesture is disabled on this screen — the on-screen arrow is what rotates your phone back to portrait.

Results

Everything updates live: add, edit, delete, clear/unclear, and import all refresh the rows, the running balances, and the Current Balance immediately.

Add / Edit Transaction

Adding (via the register's + button) and editing (via a row's ✏ pencil) use the same entry sheet, shown in portrait — the screen rotates automatically. Each field has a ? icon; tap it for a short reminder of what goes there.

Fields

• Date — tap the date to open a calendar picker. New transactions default to today; when editing, the transaction's existing date is kept unless you pick a new one. You can also pick a future date — see Planning ahead below.
• Payee — who the money went to or came from, e.g. "Woolworths" or "Employer". Required.
• Description — optional free-text memo, e.g. "birthday gift" or a reference number.
• Amount — always enter a positive number. Direction is set by the switch below, not by typing a minus sign. Required.
• Money In (deposit/income) — switch on for money coming in (pay, refunds, interest); leave off (the default) for money going out. This is what makes the saved amount positive or negative.

Saving

Tap Save and MSR shows a confirmation listing the Date, Payee, Description, and Amount you entered — the amount with its final sign (negative for money out) — so you can check everything before it's written. Tap Save to confirm, or Cancel (or tap outside the box) to go back and keep editing. The register and Current Balance update as soon as the sheet closes.

Deleting

When editing an existing transaction, a Delete button appears. You'll be asked to confirm. (Cleared rows can't be opened for editing — unclear them first via the register's Clr cell.)

Cancelling

Tap the X at the top of the sheet. You'll be asked to confirm; nothing is saved.

Planning ahead

The Date field isn't limited to today or the past — enter a bill, subscription, or expected paycheck for the date it will actually happen, and it takes its place in the register in date order, included in the running balance from that point on. Many people enter every bill and paycheck they know is coming for the weeks ahead, all on their real dates, then scroll the register to see exactly where their balance runs tight before it happens — the cue to move money from savings ahead of time. Future-dated rows stay uncleared and fully editable until they actually clear, same as any other transaction.

Import

Load transactions straight from a file exported by your bank instead of typing them in. Import always targets the account you opened it from (Account List → ⋮ → Import) — the file's rows go into that account.

Controls, top to bottom

• File format — choose CSV or QIF, matching your bank's export file.
• Date format — leave on AUTO unless dates come out wrong. AUTO reads the whole file and works out day-first vs month-first on its own. If an import produces wrong dates (e.g. 6 January instead of 1 June), re-import with DMY (day-first: Australia, UK, NZ) or MDY (month-first: US) set explicitly.
• Choose File — pick the bank export file. MSR parses it immediately and shows the preview.
• Preview list — every transaction found in the file, so you can check dates and amounts before committing. Rows marked ⚠ are possible duplicates: a transaction with the same date and amount already exists in this account.
• Import — appears once a file has been parsed. Tap it, confirm, and the rows are written to the account.

CSV file requirements

The first row must be a header row naming the columns. MSR recognises:

Column order doesn't matter, and neither does upper/lower case — MSR matches columns by header name. Unknown columns (such as a balance column) are simply ignored. If date or amount is missing, the import stops with an error.

What happens to imported rows

• Normal rows arrive Cleared (locked) — they're confirmed bank data.
• ⚠ possible-duplicate rows still import but arrive uncleared (editable), so you can compare each with its existing twin and delete whichever you don't want.
• Rows missing a date or amount are skipped.
• Any balance column in the file is ignored — MSR always calculates its own running balance.

Results

After import, the account's register and Current Balance include the new rows immediately. Importing the same file twice flags every row ⚠ the second time — a strong hint to cancel; if you do import twice, the duplicates arrive uncleared and can be deleted.

Reconcile account

Reconciling brings MSR in line with a new bank statement: it clears out confirmed transactions and rolls your balance forward, the same job as ticking off a paper register — automated. Reached from Account List → ⋮ → Reconcile account.

Fields

• Statement end date — tap to open a calendar picker. Choose the closing date printed on your bank statement.
• Statement ending balance — the closing balance printed on your statement. Negative values are accepted (overdrafts).
• Export backup first — an outlined button. Always free, whether or not you go on to reconcile. Saves a CSV copy of every transaction in this account via your phone's share sheet, before anything changes.

What happens when you tap Reconcile

MSR shows a confirmation summarising:

• Your statement balance and MSR's own cleared balance (opening balance + everything cleared on or before the statement date).
• The difference between the two — shown in red if it isn't zero, with a prompt to check for a missing or duplicate transaction. You can still continue anyway.
• How many cleared transactions will be permanently deleted.
• How many uncleared transactions dated on or before the statement will be kept. (Uncleared transactions dated after the statement aren't part of this count — see Results below.)

Tap Reconcile on that confirmation to proceed, or Cancel to back out — nothing changes until confirmed.

Results

Every cleared transaction dated on or before the statement date is permanently deleted, and the account's opening balance rolls forward to match the statement. Any uncleared transaction dated on or before the statement is kept, not deleted — it still counts toward your balance. Anything dated after the statement — cleared or uncleared — is left completely untouched either way. This is permanent, which is why the free backup export exists: run it first if you want a record of what's about to be cleared out.

Afterward, the Register header for this account shows a new "Last reconciled: [date] · [balance]" line beneath Current Balance (see Register) — it appears from your first reconcile onward, not before.

Export Transactions

Downloads a full CSV copy of one account's transactions. Reached from Account List → ⋮ → Export Transactions, or for free from inside the Reconcile screen via Export backup first (see Reconcile account) — same file, same format, either way.

What to expect

Tapping Export hands the file to your phone's share sheet — the standard Android "share to…" menu — so you choose where it goes: Google Drive, OneDrive, email, Save to Files, etc. There's nothing to configure first.

File format

A CSV with a header row (date, payee, description, status, amount) and one row per transaction in the account, taken from the account's raw stored data — never a computed balance column. This is the same format MSR imports, so an exported file can be brought back into MSR later (see Import) if you ever need to restore it.

Results

If the account has no transactions, MSR tells you there's nothing to export instead of producing an empty file. Otherwise the share sheet opens immediately with the file ready to send wherever you choose.

Profile & Password

Reached from the Account List's Help (ⓘ) → Edit Profile & Password. Lets you change the email address and password on your MSR account while you're signed in.

Email

Shows your current email address, read-only. Tap Change email, enter the new address, and tap Save. MSR sends a confirmation link to both your old and new email address — the change only takes effect once you click the link in both emails.

Password

Enter a New password and Confirm new password. Must be at least 8 characters and include an uppercase letter, a lowercase letter, a number, and a symbol. Tap Save to update it immediately — no confirmation link needed, unlike email.

Results

An email change waits on both confirmation links before it takes effect — your old email still works to sign in until then. A password change applies immediately; you'll need the new password the next time you sign in, but your current session isn't interrupted.

Delete My Account

Below Change Password. Permanently deletes your MSR account, every account you've added, and every transaction in them — this cannot be undone.

Tap Delete My Account, then type DELETE into the confirmation field — the button stays disabled until you do. If you want a record of your data first, go back to the Account List and export each account individually (⋮ → Export Transactions) before deleting; MSR doesn't do this automatically as part of the delete step. Once confirmed, MSR deletes everything and signs you out.