What Groups Are and When to Use Them

Last updated: August 13, 2026

A group organizes related accounts and portions on one canvas. It shows their combined balance as a subtotal.

When a group helps

• Subtotal: Combine your IRAs and 401(k)s to see one retirement balance.
• Institution: Put checking, savings, and credit cards from the same bank together.
• Purpose: Organize accounts or portions around day-to-day spending, a home, or long-term savings.

When you don't need a group

Accounts do not have to belong to a group. Ungrouped accounts remain in the Accounts section, and you can still link them to goals or use them in calculations.

How the combined balance works

A group adds asset balances and subtracts liability balances. If it contains a $15,000 savings account and a $3,000 credit card, the group balance is $12,000. A portion contributes only its allocated share of the parent account.

Examples

By institution: Chase, Fidelity, or your local credit union.

By account type: Cash, Retirement, Brokerage, or Credit Cards.

By purpose: Day to Day, Emergency Fund, Home, or Travel.

Groups are one level

Use each group to organize a set of accounts and portions. Goals and calculations remain in their own canvas sections.

Creating and managing groups

The Creating and Managing Groups article covers selecting accounts during setup and changing membership later.

• Removing an account or portion from a group does not delete it; it returns to its normal canvas section.
• Deleting a group removes the organization and subtotal, not the underlying accounts or portions.