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Knowledge base

This is the how-it-actually-works library: deep, precise guides for the features where the mechanics matter — matching transfers, recording tax correctly, cross-member money, cross-household sharing, splitting and combining families. Each one explains what happens underneath, not just which button to press.

New here? Start with the User guide instead — a ten-minute orientation to every screen. Come back when you hit one of the topics below. For news and longer reads, see the blog.

Money mechanics​

  • Find transfers & linking — how Sahidha spots money moving between your own accounts, the confidence signals behind each suggested pair, when a pair is "cross-member" (and raises an IOU), and how to link or unlink a transfer by hand.
  • Cross-payments (IOUs) — what happens when one member pays for another: the four ways an IOU gets raised, the pending → acknowledged → settled lifecycle, what settling records, and why none of it touches Income & Expenditure.

Taxes & investments​

  • Tracking income tax — the right way to record TDS, advance tax, self-assessment and refunds so income shows gross, tax is counted once, and only interest touches Income & Expenditure.
  • Investments — recording & importing — how investment masters (MF folios, stocks, SGBs, bonds) are created; recording SIPs and redemptions from your bank statement; importing broker holdings, CAS and capital-gains statements.

Households & structure​

  • Kutumb — sharing across households — the cross-family circle: how invitations and consent work, what gets shared (specific accounts, read-only) and what never does, and how it differs from same-family sharing.
  • Family Hub — the one screen that isn't about money: each member's latest public post, who sees what, and how to add your handles.
  • Forking & merging families — how a member forks out into their own family taking their data with them, how two families merge into one (consent, what moves, the frozen originals), and how to choose between fork, merge, and kutumb.
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This section is growing — more deep guides are on the way. If something here doesn't match what you see in the app, the app is right and we'd love to hear about it.