A flat list of accounts gets hard to navigate quickly
When you track only one or two accounts, a simple list is enough. But most people hold money in several places at once — a current account for everyday spending, a savings account for goals, a credit card, maybe a brokerage account or two. As the list grows, knowing at a glance where your money sits becomes harder.
Account groups solve this with a single, intentional layer of organization. Each group is a label you define — Daily Banking, Savings, Investments, Emergency Fund — and every account you create is assigned to one of them. The result is a structure that mirrors how you actually think about your money, not just how it happens to be listed.
What account groups help you do
See your financial picture at the right level of detail. The dashboard presents account totals grouped by account group, giving you a one-glance summary of how much you hold in everyday spending, savings, or investments — without having to add up individual account balances yourself.
Structure your setup from the start. Account groups are created before accounts, which encourages a deliberate first-time setup. Thinking through how you want to organize your accounts — before you create them — leads to a more coherent structure that stays useful as your finances grow.
Keep the account list navigable as it grows. Each account is anchored to a group, so the overall list always has a clear hierarchy. Finding a specific account takes less scanning and less mental effort.
Rename or reorganize safely at any time. Renaming a group updates it everywhere without affecting any of the underlying account data or transaction history. Your financial records stay intact while the structure adapts to how your thinking has changed.
Remove groups you no longer need. Once a group has no accounts attached to it, it can be deleted cleanly. If accounts still depend on it, YAFFA prevents the deletion and shows a clear explanation — so you never accidentally lose a structural reference that accounts still rely on.
Account groups are organizational, not financial
An account group does not hold money, generate transactions, or influence calculations. It is a pure organizational label — a way of adding one level of meaningful hierarchy above the account list without introducing any accounting complexity. The financial logic stays entirely in your individual accounts and transactions; the group just makes those accounts easier to understand and navigate.
A structure that fits how you think
Everyone organizes their finances differently. Some people think in terms of liquid versus non-liquid; others by institution, by goal, or by life area. YAFFA's account groups are flexible enough to match any of those mental models. Create as many or as few as you need, name them however makes sense to you, and adjust the structure as your financial life evolves.