By: Team W17-3 Since: Aug 2019 Licence: MIT

1. Introduction

OwlMoney is an application designed to assist undergraduates and fresh graduates to track and manage their finances.

OwlMoney is specially tailored for those who prefer using a Command Line Interface (CLI). The commands used to interact with OwlMoney are designed to be simple and intuitive, so even those who are unfamiliar with CLI can use OwlMoney with ease.

OwlMoney also comes with a minimalistic design that presents information in an organized manner.

Interested in using OwlMoney to plan your finances easily? Jump to, Section 3, “Quick Start” to get started!

2. Understanding This User Guide

2.1. Basic Information

This user guide provides you with tips for a quick and easy way to set up and install OwlMoney.

You can find all the details of OwlMoney’s features, tips, frequently asked questions and a summary of the available commands.

You can use the Table of Contents above to navigate effortlessly between the sections.

Look out for the following icons that could aid you in this user guide:

This symbol denotes information that you may want to take note of.

This symbol denotes a tip that you may find useful when using our application.

This symbol denotes a warning message which you need to be careful of when using our application.

Additionally, you may also encounter the following text styles:

  • Commands, parameters, and file paths will be in this format

  • Important messages will be bold

OwlMoney comes with a very clean and easy to use CLI, so don’t worry even if you are a new user! You can expect to navigate around our application with ease!

Ui
Figure 1. OwlMoney’s Command Line Interface

As long as you have some experience using a command-line interface, the moment you type your command and press Enter, the result appears immediately!

3. Quick Start

  1. Ensure you have Java Version 11 installed on your computer.

  2. Download the latest OwlMoney-v1.4.jar here.

  3. Copy the OwlMoney-v1.4.jar file to the folder you want to use as the home folder for OwlMoney.

  4. Open a Command Prompt or Powershell, navigate to the target folder and type java -jar ./OwlMoney-v1.4.jar to start OwlMoney. OwlMoney should appear in a few seconds.

  5. Maximise the screen to enjoy the best experience of OwlMoney, it performs best on displays 1920x1080 and above.

  6. As this is your first time starting up this program, you have to create a profile by typing your USERNAME (e.g. John) when prompted and pressing Enter

    UiStartUp
    Figure 2. Successful start-up of OwlMoney

  7. You can now try entering commands in the command box and press Enter to execute it!
    e.g. try typing /help and pressing Enter will list down the commands available.

  8. Some example commands you can try:

    • /add /savings /name JunBank Savings Account /amount 4719.90 /income 2000 : adds a new JunBank Savings Account, which has an initial amount of $4719.90.

    • /delete /savings /name JunBank Savings Account : deletes JunBank Savings Account

    • /list /savings : lists all savings accounts

    • /exit : exits OwlMoney

  9. Refer to, Section 4, “Features” for details of each command.

  10. Refer to, Section 6, “FAQ” for a list of common questions that have been answered.

4. Features

In this section, the expected command format will be introduced, and you can expect to learn the various commands you can use.

Don’t worry if you don’t understand everything at once.
There are plentiful examples provided to aid your understanding of the commands' usage better.

Command Format

  • Words in UPPER_CASE are the parameters to be supplied by the user

    • e.g. in /add /savings /name ACCOUNT_NAME, ACCOUNT_NAME is a parameter which can be used as:

      1. /add /savings /name JunBank Savings Account /amount 218.90 /income 0

      2. /add /savings /name Standard Bank Investment Account /amount 123.45 /income 5678

  • Items in square brackets are optional parameters

    • e.g. /category [/category TAG] can be used as:

      1. /add /bankexpenditure /amount 13.50 /from JunBank Savings Account /date 1/1/2019 /desc bubble tea [/category entertainment] (with optional category parameter)

      2. /add /savings /name JunBank Savings Account /amount 218.90 /income 0 (without optional category parameter)

Many of our command parameters can be rearranged! Feel free to rearrange the order of entering parameters as you read along this user guide!

Parameter values cannot be empty (unless otherwise stated).

4.1. General Commands

4.1.1. Viewing help: /help

Don’t worry if you are feeling lost! You can use this User Guide document to gain a better understanding of OwlMoney's commands.

To see a list of commands available, simply enter /help in the command box.

Alternatively, you can access this User Guide document by clicking here.

4.1.2. Undo Commands: /undo (Coming in v2.0)

Accidentally typed a wrong command? Don’t worry, simply type the /undo command and you will be back to where you started!

4.1.3. Exiting OwlMoney : /exit

If you want to exit OwlMoney, you can enter /exit in the command box.
We hope you had a wonderful experience using OwlMoney. Do come back to manage your finances soon!

4.2. Detailed Management Commands

Financial management starts with managing your money!

OwlMoney provides various detailed management commands that help you to do just that!

They include the management of various bank accounts ranging from savings and investment accounts to recording expenditures and setting financial goals.

4.2.1. Savings Account Management

In this section, you’ll be introduced to commands and parameters that help you to manage your savings account and expenditures associated with it in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

ACCOUNT_NAME

Indicates the name of the savings bank account.

(e.g. JunBank Savings Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

AMOUNT

Indicates the amount of money.

(e.g. 2113.30)

AMOUNT should contain only digits up to 2 decimal places and a maximum of 9 digits.

INCOME

Indicates the amount of money coming in per month from any sources.

(e.g. Salary, pocket money, scholarship allowance)

INCOME should contain only digits up to 2 decimal places and a maximum of 9 digits.

DATE

Indicates the date the expenditure was made.

(e.g. 2/2/2019)

DATE should be in DD/MM/YYYY format and cannot be a newer date than the current date.

DESCRIPTION

Indicates the description of the transaction.

DESCRIPTION should contain alphabetic characters, numeric characters, and spaces only.

Take note that there is a maximum of 50 character limit.

TRANSACTION_NUMBER

Indicates the transaction number in the list when displayed. It is used for editing or deleting expenditures.

TRANSACTION_NUMBER should contain positive numbers only up to a maximum of 9 digits.

CATEGORY

The category that the expenditure can be tagged to.

(e.g. Dining)

CATEGORY should contain alphabetic characters and spaces only.

Take note that there is a maximum of 15 character limit.
4.2.1.1. Adding savings bank account /add /savings

Before you can add any expenditures, you will need to add a savings account first. It’s easy to add a savings account!
Here’s how you can use the /add /savings command.

Command Syntax

/add /savings /name ACCOUNT_NAME /amount AMOUNT /income INCOME

A profile needs to be created first before you are eligible to add an account.

A savings account is compulsory as most features in OwlMoney require it.

There can only be a maximum of 7 savings account.

Example

  • /add /savings /name JunBank Savings Account /amount 218.90 /income 2000

AddSavings
Figure 3. Successful adding of savings account after using /add /savings.

Adds a savings account named JunBank Savings Account which has an initial amount of $218.90 inside with a monthly income of 2000 automatically credited into the account every start of the month.

4.2.1.2. Editing savings bank account /edit /savings

Changes made to your savings account? Reflect them on OwlMoney as well!

Command Syntax

/edit /savings /name ACCOUNT_NAME [/newname ACCOUNT_NAME] [/amount AMOUNT] [/income INCOME]

At least one of /newname, /amount or /income must be used.

Example

  • /edit /savings /name JunBank Savings Account /newname JulyBank Savings Account

Edits JunBank Savings Account name to JulyBank Savings Account.

  • /edit /savings /name JunBank Savings Account /newname JulyBank Savings Account /amount 2000.25

EditSavings1
Figure 4. Successful editing of savings account after using /edit /savings.

Edits JunBank Savings Account name to JulyBank Savings Account and sets the new amount in the account to $2000.25.

  • /edit /savings /name JunBank Savings Account /newname JulyBank Savings Account /amount 2000.25 /income 5000

Edits JunBank Savings Account name to JulyBank Savings Account and sets the new amount in the account to $2000.25 with a new income of $5000.

  • /edit /savings /name JunBank Savings Account /amount 2000.25

Edits JunBank Savings Account by setting the new amount in the account to $2000.25.

  • /edit /savings /name JunBank Savings Account /amount 2000.25 /income 5000

EditSavings2
Figure 5. Successful editing of savings account after using /edit /savings.

Edits JunBank Savings Account by setting the new amount in the account to $2000.25 with an income of $5000.

  • /edit /savings /name JunBank Savings Account /income 5000

Edits JunBank Savings Account by setting the income to $5000.

4.2.1.3. Deleting savings bank account /delete /savings

Closed your savings bank account? You can reflect that on OwlMoney as well!

Command Syntax

/delete /savings /name ACCOUNT_NAME

All transactions (e.g. expenditures and deposits) related to the savings account will be deleted.

Example

  • /delete /savings /name JunBank Savings Account

DeleteSavings
Figure 6. Successful deletion of a savings account after using /delete /savings.

Deletes a savings account named JunBank Savings Account.

4.2.1.4. Adding expenditures for savings bank account /add /bankexpenditure

Spending is a daily affair and it is difficult to keep track of so many of them. Fret not! OwlMoney allows you to keep track of your spending and categorise them as well!

Command Syntax

/add /bankexpenditure /amount AMOUNT /from ACCOUNT_NAME /date DATE /desc DESCRIPTION [/category CATEGORY]

An expenditure cannot be added to an investment bank account.

Example

  • /add /bankexpenditure /amount 1.20 /from JunBank Savings Account /date 28/09/2019 /desc bubble tea /category Dining

AddBankExpenditure
Figure 7. Successful adding of bank expenditure after using /add /bankexpenditure.

Adds an expenditure that deducts from JunBank Savings Account dated on 28/09/2019 that costs $1.20 with the description of bubble tea and category of Dining.

4.2.1.5. Editing expenditures for savings bank account /edit /bankexpenditure

Spent lesser than you initially recorded? You can edit them here!

Command Syntax

/edit /bankexpenditure /from ACCOUNT_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/category CATEGORY] [/amount AMOUNT] [/date DATE]

At least one of /desc, /category, /amount, /date must be used.

To find out which transaction to edit, use the /list or /find function to find /transno

Example

  • /edit /bankexpenditure /from JunBank Savings Account /transno 2 /desc Uniwlo Shirt

EditBankExpenditure1
Figure 8. Successful editing of bank expenditure after using /edit /bankexpenditure.

Edits expenditure 2 that was charged to JunBank Savings Account to a new description of Uniwlo Shirt.

  • /edit /bankexpenditure /from JunBank Savings Account /transno 4 /category miscellaneous

EditBankExpenditure2
Figure 9. Successful editing of bank expenditure after using /edit /bankexpenditure.

Edits expenditure 4 that was charged to JunBank Savings Account to a new category of miscellaneous.

  • /edit /bankexpenditure /from JunBank Savings Account /transno 5 /amount 3.50

EditBankExpenditure3
Figure 10. Successful editing of bank expenditure after using /edit /bankexpenditure.

Edits expenditure 5 that was charged to JunBank Savings Account to an amount of $3.50.

4.2.1.6. Deleting expenditures for savings bank account /delete /bankexpenditure

Accidentally added a transaction that did not happen? You can delete it!

Command Syntax

/delete /bankexpenditure /from ACCOUNT_NAME /transno TRANSACTION_NUMBER

To find out which expenditure to delete, use the /list or /find function to find the expenditure number.

Example

  • /delete /bankexpenditure /from JunBank Savings Account /transno 1

DeleteBankExpenditure
Figure 11. Successful deleting of bank expenditure after using /delete /bankexpenditure.

Deletes an expenditure from JunBank Savings Account with transaction number 1.

4.2.1.7. Adding deposit to savings bank account /add /deposit

Saved up some spare cash to deposit into your bank account? Record them here!

Command Syntax

/add /deposit /to ACCOUNT_NAME /amount AMOUNT /desc DESCRIPTION /date DATE

Example

  • /add /deposit /to JunBank Savings Account /amount 300 /desc FREELANCE WORK /date 10/10/2019

AddDeposit
Figure 12. Successful adding of deposit after using /add /deposit.

Deposits $300 earned from FREELANCE WORK work into JunBank Savings Account.

4.2.1.8. Editing deposit details for savings bank account /edit /deposit

Accidentally added more zeroes than expected when entering your deposit? Edit them here!

Command Syntax

/edit /deposit /from ACCOUNT_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/amount AMOUNT] [/date DATE]

At least one of /desc, /amount, /date must be used.

To find which to deposit to edit, use the /list or /find function to find the transaction number.

Example

  • /edit /deposit /from JunBank Savings Account /transno 11 /desc FREELANCE WORK /amount 270 /date 29/10/2019

Edits the deposit with transaction number 11 deposited to JunBank Savings Account to a new description of FREELANCE WORK, setting a new amount of $270 and a new date of 29/11/2019

EditDeposit1
Figure 13. Successful editing of deposit after using /edit /deposit.

  • /edit /deposit /from JunBank Savings Account /transno 11 /amount 500

EditDeposit2
Figure 14. Successful editing of deposit after using /edit /deposit.

Edits the deposit with transaction number 11 deposited to JunBank Savings Account to a new amount of $500.

4.2.1.9. Deleting deposit for savings bank account /delete /deposit

Accidentally added a deposit that you have not done? You can delete it here!

Command Syntax

/delete /deposit /from ACCOUNT_NAME /transno TRANSACTION_NUMBER

To find out which recurring expenditure to delete, use the /list or /find function to find the description.

Example

  • /delete /deposit /from JunBank Savings Account /transno 11

DeleteDeposit
Figure 15. Successful deleting of deposit after using /delete /deposit.

Deletes a deposit with transaction number 11 from JunBank Savings Account.

4.2.2. Investment Account Management

In this section, you’ll be introduced to commands and parameters that help you to manage your investment account and bonds that you can track in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

ACCOUNT_NAME

Indicates the name of the investment bank account.

(e.g. DBB Vickers Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

AMOUNT

Indicates the amount of money.

(e.g. 2113.30)

AMOUNT should contain only digits up to 2 decimal places and a maximum of 9 digits.

BOND_NAME

Indicates the name of the investment bond purchased.

(e.g. June SSB)

BOND_NAME should contain alphabetic characters, numeric characters, and spaces only.

BOND_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

BOND_RATE

Indicates the coupon rate of the investment bond in percentage.

(e.g. 1.92)

BOND_RATE should contain only digits up to 2 decimal places with a maximum of 99.99.

DATE

Indicates the date the bond was purchased.

(e.g. 2/2/2019)

DATE should be in DD/MM/YYYY format and cannot be a newer date than the current date.

YEARS

Indicates the number of years the investment bond lasts.

YEARS should contain only digits from 1 to 9.
4.2.2.1. Adding investment bank account /add /investment

Want to start investing to grow your wealth? No problem! All you need to do is to add an investment account!
Here’s how you can use the /add /investment command.

Command Syntax

/add /investment /name ACCOUNT_NAME /amount AMOUNT

There can only be a maximum of 3 investment accounts.

Example

  • /add /investment /name DBB Vickers Account /amount 10000

Adds an investment account named DBB Vickers Account which has an initial amount of $10000 inside that you can start investing with.

InvestmentAdd
Figure 16. Successful addition of investment account after using /add /investment
4.2.2.2. Editing investment bank account /edit /investment

Changes made to your investment account? Here is how you can do it!

Command Syntax

/edit /investment /name ACCOUNT_NAME [/newname ACCOUNT_NAME] [/amount AMOUNT]

At least one of /newname, /amount must be used.

Example

  • /edit /investment /name DBB Vickers Account /newname OBOB Securities Account

Edits the name of the account from DBB Vickers Account to OBOB Securities Account.

InvestmentEdit
Figure 17. Successful edition of investment account after using /edit /investment

  • /edit /investment /name DBB Vickers Account /amount 50000

Edits the amount in DBB Vickers Account to $50000.

  • /edit /investment /name DBB Vickers Account /newname OBOB Securities Account /amount 50000

Edits the name of the account from DBB Vickers Account to OBOB Securities Account and the amount in the account to $50000.

4.2.2.3. Deleting investment bank Account /delete /investment

You can also close your investment bank account on OwlMoney as well!

Command Syntax

/delete /investment /name ACCOUNT_NAME

All transactions (e.g. bonds) related to the investment bank account will be deleted.

Example

  • /delete /investment /name DBB Vickers Account

Deletes an investment account named DBB Vickers Account.

InvestmentDelete
Figure 18. Successful deletion of investment account after using /delete /investment
4.2.2.4. Adding investment bonds /add /bonds

Signed up for a bond? Finding it difficult to keep up with the interest? No worries! OwlMoney allows efficient tracking of your semi-annual coupon interest!

Command Syntax

/add /bonds /from ACCOUNT_NAME /name BOND_NAME /amount AMOUNT /rate BOND_RATE /date DATE /year YEARS

An investment account needs to be created first to add bonds.

Bonds can only be added to investment accounts.

There can only be a maximum of 20 investment bonds per investment account.

Example

  • /add /bonds /from DBB Vickers Account /name June SSB /amount 1000 /rate 1.92 /date 1/1/2019 /year 1

Adds a bond named June SSB charged to DBB Vickers Account at $1000 with an interest rate of 1.92% bought on 1/1/2019 for 1 year(s).

BondAdd
Figure 19. Successful addition of investment bond after using /add /bonds
4.2.2.5. Editing Bond details /edit /bonds

Change in your investment details? Edit them here!

Command Syntax /edit /bonds /from ACCOUNT_NAME /name BOND_NAME [/rate BOND_RATE] [/year YEARS]

At least one of /rate or /year must be present when editing.

Only /rate and /year can be edited.

Editing /rate will only result in future bond coupon interest crediting to be modified, all past interest credited will not be edited.

/year can only be edited to a year higher than the original year.

Example

  • /edit /bonds /from DBB Vickers Account /name June SSB /rate 1.98

Edits the bond named June SSB charged to DBB Vickers Account with a new interest rate of 1.98%.

BondEdit
Figure 20. Successful edition of investment bond after using /edit /bonds
4.2.2.6. Deleting bonds /delete /bonds

Sold your bonds? Delete it from OwlMoney!

Command Syntax /delete /bonds /from ACCOUNT_NAME /name BOND_NAME

Example

  • /delete /bonds /from DBB Vickers Account /name June SSB

Deletes the bond named June SSB charged to DBB Vickers Account.

BondDelete
Figure 21. Successful deletion of investment bond after using /edit /bonds

4.2.3. Credit Card Management

In this section, you’ll be introduced to commands and parameters that help you to manage your credit cards and expenditures associated with it in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

CARD_NAME

Indicates the name of the credit card.

(e.g. POBB Everyday Card)

CARD_NAME should contain alphabetic characters, numeric characters, and spaces only.

CARD_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

ACCOUNT_NAME

Indicates the name of the savings bank account.

(e.g. JunBank Savings Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

CARD_LIMIT

Indicates the credit limit of the credit card.

(e.g. 5000.00)

CARD_LIMIT should contain only digits and up to 2 decimal places and a maximum of 9 digits.

CASHBACK_RATE

Indicates the cashback returns rate of the credit card in percentage. Cashback will be deposited back into savings account upon adding of card bill.

(e.g. 20 for 20%)

CASHBACK_RATE should contain only digits and up to 2 decimal places up to a maximum of 20%

AMOUNT

Indicates the amount of money.

(e.g. 2113.30)

AMOUNT should contain only digits up to 2 decimal places and a maximum of 9 digits.

DATE

Indicates the date the expenditure was made.

(e.g. 2/2/2019)

DATE should be in DD/MM/YYYY format and cannot be a newer date than the current date.

YEARMONTH

Indicates the month and year the expenditure was made.

(e.g. 10/2019)

YEARMONTH should be in MM/YYYY format and cannot be ahead of the current month.

DESCRIPTION

Indicates the description of the transaction.

DESCRIPTION should contain alphabetic characters, numeric characters, and spaces only.

Take note that there is a maximum of 50 character limit.

CATEGORY

The category that the expenditure can be tagged to.

(e.g. Dining)

CATEGORY should contain alphabetic characters and spaces only.

TRANSACTION_NUMBER

Indicates the transaction number in the list when displayed. It is used for editing or deleting expenditures.

TRANSACTION_NUMBER should contain positive numbers only up to a maximum of 9 digits.
4.2.3.1. Adding credit card /add /card

Have a credit card? We can help you track your spending and cashback rebates with it!
Here’s how you can use the /add /card command.

Command Syntax

/add /card /name CARD_NAME /limit CARD_LIMIT /rebate CASHBACK_RATE

OwlMoney only supports cards with a credit limit to encourage you to spend less!

There can only be a maximum of 20 credit cards.

Example

  • /add /card /name POBB Tomorrow Card /limit 10000 /rebate 1.5

AddCard
Figure 22. Successful addition of card after using /add /card

Adds a credit card named POBB Tomorrow Card which has a credit limit of $10 000 and cashback rate of 1.5%

4.2.3.2. Editing credit card /edit /card

Change in your credit card rebates rate? You can change them here as well!

Command Syntax

/edit /card /name CARD_NAME [/newname CARD_NAME] [/limit CARD_LIMIT] [/rebate CASHBACK_RATE]

At least one of /newname, /limit or /rebate must be used.

/limit cannot be edited when there are unpaid credit card expenditures.

Example

  • /edit /card /name POBB Tomorrow Card /newname JunBank GoodVibes Card

EditCard3
Figure 23. Successful edition of card name after using /edit /card

Edits the credit card name from POBB Tomorrow Card to JunBank GoodVibes Card.

  • /edit /card /name POBB Tomorrow Card /limit 10000

EditCard1
Figure 24. Successful edition of card limit after using /edit /card

Edits the credit limit of POBB Tomorrow Card to $10000.

  • /edit /card /name POBB Tomorrow Card /rebate 2.25

EditCard2
Figure 25. Successful edition of card rebate after using /edit /card

Edits the cashback rate of POBB Tomorrow Card to 2.25%.

4.2.3.3. Deleting credit card /delete /card

Cancelled your credit card as well, you can delete them here too!

Command Syntax

/delete /card /name CARD_NAME

All transactions (e.g. expenditures) related to the credit card will be deleted.

Example

  • /delete /card /name POBB Tomorrow Card

DeleteCard
Figure 26. Successful deletion of card after using /delete /card

Deletes a credit card named POBB Tomorrow Card.

4.2.3.4. Adding expenditures for credit cards /add /cardexpenditure

Charged an expenditure to your credit card to earn cashback rebates? You can record them here!

Command Syntax

/add /cardexpenditure /amount AMOUNT /from CARD_NAME /date DATE /desc DESCRIPTION [/category CATEGORY]

Example

  • /add /cardexpenditure /amount 1.20 /from POBB Tomorrow Card /date 28/09/2019 /desc bubble tea /category Dining

Adds an expenditure that charged to POBB Tomorrow Card dated 28/09/2019 that costs $1.20 with the description of bubble tea and category of Dining.

AddCardExpenditure
Figure 27. Successful adding of card expenditure after using /add /cardexpenditure.
4.2.3.5. Editing expenditures for credit cards /edit /cardexpenditure

Charged more expenditure to your card than you initially recorded? You can edit them here!

Command Syntax

/edit /cardexpenditure /from CARD_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/category CATEGORY] [/amount AMOUNT] [/date DATE]

At least one of /desc, /category, /amount or /date must be used.

To find out which transaction to edit, use the /list or /find function to find /transno.

Only unpaid expenditures can be edited.

Example

  • /edit /cardexpenditure /from POBB Tomorrow Card /transno 2 /desc Uniwlo Shirt

Edits expenditure 2 that was charged to POBB Tomorrow Card to a new description of Uniwlo Shirt.

EditCardExpenditure1
Figure 28. Successful editing of card expenditure after using /edit /cardexpenditure.

  • /edit /cardexpenditure /from POBB Tomorrow Card /transno 5 /amount 3.50

EditCardExpenditure2
Figure 29. Successful editing of card expenditure after using /edit /cardexpenditure.
4.2.3.6. Deleting expenditures for credit cards /delete /cardexpenditure

Accidentally added a transaction that did not happen? You can delete it!

Command Syntax

/delete /cardexpenditure /from CARD_NAME /transno TRANSACTION_NUMBER

To find out which expenditure to delete, use the /list or /find function to find the expenditure number.

Only unpaid expenditures can be deleted.

Example

  • /delete /cardexpenditure /from POBB Tomorrow Card /transno 1

Deletes an expenditure from POBB Tomorrow Card with transaction number 1.

DeleteCardExpenditure
Figure 30. Successful deleting of card expenditure after using /delete /cardexpenditure.
4.2.3.7. Adding monthly credit card bill to savings account /add /cardbill

Charge your credit card monthly bill to your savings account! This will add a credit card bill expenditure and also deposit the monthly rebate to your savings account.

Command Syntax

/add /cardbill /card CARD_NAME /date YEARMONTH /bank ACCOUNT_NAME

The credit card bill expenditure and rebates deposit will be reflected in the savings account dated today.

Rebates will be calculated based on the current credit card rebate, no matter which month the credit card transaction is from.

Example

  • /add /cardbill /card POBB Tomorrow Card /date 10/2019 /bank JunBank Savings Account

Adds a credit card bill expenditure dated today to JunBank Savings Account with total card expenditures from POBB Tomorrow Card in the month and year of 10/2019.

Rebates for the month will also be deposited back to JunBank Savings Account.

AddCardBill
Figure 31. Successful adding of card bill after using /add /cardbill.
4.2.3.8. Deleting credit card bill from savings account /delete /cardbill

Made a mistake in charging of credit card bill or decided to add more card transaction for an already paid month? You can delete your credit card bill, which will delete the bill expenditure and rebate deposit from your savings account!

Command Syntax

/delete /cardbill /card CARD_NAME /date YEARMONTH /bank ACCOUNT_NAME

Do not use the /delete /bankexpenditure or /delete /deposit command to remove your credit card bill. By doing so, you will be unable to reverse your credit card bill and hence unable to add more credit card expenditures to previously paid months.

Example

  • /delete /cardbill /card POBB Tomorrow Card /date 10/2019 /bank JunBank Savings Account

Deletes credit card bill expenditure and rebate deposit from JunBank Savings Account. All credit card expenditures from 10/2019 will be marked as unpaid from POBB Tomorrow Card.

DeleteCardBill
Figure 32. Successful deletion of card bill after using /delete /cardbill.

4.2.4. Financial Goal Management

In this section, you’ll be introduced to commands and parameters that can get you started to create financial goals to achieve your short and long term goals in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

GOAL_NAME

Indicates the name of the goal you are setting.

(e.g. Punggol BTO down payment)

GOAL_NAME should contain alphabetic characters, numeric characters, and spaces only.

GOAL_NAME is case-sensitive.

Take note that there is a maximum of 20 character limit.

TARGET_AMOUNT

Indicates the amount of money.

(e.g. 35000.00)

TARGET_AMOUNT should contain only digits up to 2 decimal places and a maximum of 9 digits.

DATE

Indicates the date you wish to achieve your goal.

(e.g. 1/12/2022)

DATE should be in DD/MM/YYYY format and MUST be a newer date than the current date.

DAYS

Indicates the number of days you wish to achieve your goal.

DAYS should contain digits up to 365 only.

ACCOUNT_NAME

Indicates the name of the savings account to link the goal for tracking purposes.

(e.g. JunBank Savings Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.
4.2.4.1. Adding financial goals /add /goals

Have a financial goal that you wish to achieve? We can certainly help you with that! Regardless whether it’s a short-term goal like saving for a holiday or a long-term goal like saving for your wedding or retirement, we’ve got you covered!

Earn an achievement when you reach your goal before your stipulated deadline and unlocked a new achievement!

View your achievements using the command /list /achievement

Command Syntax

/add /goals /name GOAL_NAME /amount TARGET_AMOUNT /by DATE [/from ACCOUNT_NAME]

/add /goals /name GOAL_NAME /amount TARGET_AMOUNT /in DAYS [/from ACCOUNT_NAME]

ACCOUNT_NAME can only be names of existing savings bank accounts and not investment accounts or credit cards.

/by and /in cannot be used together.

TARGET_AMOUNT is based on the total amount of money you aim to have in your savings bank account.

YOU CAN ONLY ADD UP TO 20 GOALS.

Example

  • /add /goals /name Dinner at WAA COW /amount 50 /in 15

Adds a goal named Dinner at WAA COW which aims to save $50 in 15 days.

GoalsAddIn
Figure 33. Successful addition of goals using /in as date parameter

  • /add /goals /name BTO for Punggol HDB /amount 20000 /by 10/10/2020

Adds a goal named BTO for Punggol HDB which aims to save $20000 by 10/10/2020.

GoalsAddBy
Figure 34. Successful addition of goals after using /by as date parameter

  • /add /goals /name GRAD TRIP /amount 2000 /by 30/12/2020 /from JunBank Savings Account

Adds a goal named GRAD TRIP which aims to save $2000 by 30/12/2020 and ties it to a savings account named JunBank Savings Account.

GoalsAddSaving
Figure 35. Successful addition of goals tied to existing savings account after adding /from parameter
4.2.4.2. Editing financial goals /edit /goals

Made changes to one of your goals? Amend it easily with our edit feature!

Command Syntax

/edit /goals /name GOAL_NAME [/newname GOAL_NAME] [/amount AMOUNT] [/in DAYS] [/by DATE] [/from ACCOUNT_NAME] [/mark 1]

At least one of /newname, /amount, /in, /by, /from, /mark must be used.

/in and /by cannot be used together at the same time.

ACCOUNT_NAME can only be names of existing savings bank accounts and not investment accounts or credit cards.

/mark is used to manually mark un-tracked goals status and cannot contain trailing arguments!

Untie your currently linked goals with the same ACCOUNT_NAME that you link to using /from ACCOUNT_NAME.

Example

  • /edit /goals /name BTO for Punggol HDB /newname BTO for Tampines HDB

Edits the name of the goal from BTO for Punggol HDB to BTO for Tampines HDB.

GoalsEditName
Figure 36. Successful edition of goal name after using /edit /goals /name and /newname

  • /edit /goals /name BTO for Tampines HDB /amount 27500

Edits the goal of BTO for Tampines HDB to a new date of 11/11/2021 and amount to $27500.

GoalsEditDate
Figure 37. Successful edition of goal date and amount after using /edit /goals /name with /by and /amount

You can also add a savings account using the edit feature if your existing goal has no account linked to it.

  • /edit /goals /name BTO for Tampines HDB /from JunBank Savings Account

Edits the savings account tied to BTO for Tampines HDB to JunBank Savings Account.

  • /edit /goals /name BTO for Tampines HDB /from JunBank Savings Account

Change your current goal to an un-tracked goals.

  • /edit /goals /name BTO for Tampines HDB /mark 1 Marks un-tracked goals as done.

GoalsEditMultiple
Figure 38. Successful use of edit feature to link / unlink goals to / from savings account and mark done an un-tracked goals.
4.2.4.3. Deleting financial goals /delete /goals

Are your goals not relevant to you anymore?
Or achieved your goal? You can safely delete them!

Command Syntax

/delete /goals /name GOAL_NAME

Example

  • /delete /goals /name BTO for Tampines HDB

Deletes a goal named BTO for Tampines HDB.

GoalsDelete
Figure 39. Successful deletion of goal after using /delete /goals /name

4.2.5. Profile Management

4.2.5.1. Editing profile details /edit /profile

Thought of a new idea for your profile name? Change it now!

Command Syntax

/edit /profile /name NAME /newname NAME

Example

/edit /profile /name john /newname jun

Edits the profile name from john to jun

ProfileEdit
Figure 40. Successful edition of goal amount after using /edit /profile /name and /newname

4.3. Utility Commands

OwlMoney provides commands that are available for usage throughout the application.

They include capabilities like finding, listing, transferring money and advanced automation features!

4.3.1. Finding information stored in OwlMoney /find

In this section, you’ll be introduced to commands and parameters that help you to find and sieve information that you require quickly out of OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

ACCOUNT_NAME

Indicates the name of the bank account.

(e.g. DBB Vickers Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

CARD_NAME

Indicates the name of the credit card.

(e.g. POBB Everyday Card)

CARD_NAME should contain alphabetic characters, numeric characters, and spaces only.

CARD_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

BOND_NAME

Indicates the name of the investment bond.

(e.g. June SSB)

BOND_NAME should contain alphabetic characters, numeric characters, and spaces only.

BOND_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

DESCRIPTION

Indicates the description of the transaction.

DESCRIPTION should contain alphabetic characters, numeric characters, and spaces only.

Take note that there is a maximum of 50 character limit.

CATEGORY

Indicates the category of the transaction.

CATEGORY should contain alphabetic characters, and spaces only.

Take note that there is a maximum of 15 character limit.

DATE

Indicates the date the transaction was made.

(e.g. 2/2/2019)

DATE should be in DD/MM/YYYY format and cannot be a newer date than the current date.
4.3.1.1. Finding savings account details /find /savings

Can’t remember the name of your savings account? Don’t worry OwlMoney allows you to find out the details of your bank account as long as you remember part of your account name.

Command Syntax

/find /savings /name ACCOUNT_NAME

ACCOUNT_NAME used for searching is case-insensitive.

Example

  • /find /savings /name Jun

FindSavings
Figure 41. Successful search of savings account after using /find /savings

Finds and lists all savings accounts that have the phrase Jun in the account name.

4.3.1.2. Finding investment account details /find /investment

Can’t remember the name of your investment account? Don’t worry OwlMoney allows you to find out the details of your bank account as long as you remember part of your account name.

Command Syntax

/find /investment /name ACCOUNT_NAME

ACCOUNT_NAME used for searching is case-insensitive.

Example

  • /find /investment /name Vickers

FindInvestment
Figure 42. Successful search of investment account after using /find /investment

Finds and lists all investment accounts that have the phrase Vickers in the account name.

4.3.1.3. Finding credit card details /find /card

Searching for a Credit Card but forgot the name? OwlMoney helps you by providing you various ways to do it!

Command Syntax

/find /card /name CARD_NAME

CARD_NAME used for searching is case-insensitive.

Example

  • /find /card /name POBB

Successful search of card after using /find /card image::FindCardCommandExample.png[Caption="Figure : "]

Finds and lists all cards with the name that contains the phrase POBB.

4.3.1.4. Finding bond details /find /bonds

Searching for an investment bond within an investment account? OwlMoney can help you with that by providing you various ways to do it!

Command Syntax

/find /bonds /name BOND_NAME /from ACCOUNT_NAME

BOND_NAME used for searching is case-insensitive.

ACCOUNT_NAME used for searching is case-insensitive.

Example

  • /find /bonds /name SSB /from DBB Vickers Account

FindBond
Figure 43. Successful search of bonds after using /find /bonds

Finds and lists all bonds that contain the phrase SSB in the name from the investment account called DBB Vickers Account.

4.3.1.5. Finding bank transaction details /find /banktransaction

Looking for a transaction from a bank account? OwlMoney is able to help you with that by providing you various ways to do it! It allows you to search by description, category or a date range!

Command Syntax

/find /banktransaction /name ACCOUNT_NAME [/desc DESCRIPTION] [/from DATE /to DATE] [/category CATEGORY]

Transactions includes both expenditures and deposits.

DESCRIPTION used for searching is case-insensitive.

CATEGORY used for searching is case-insensitive.

At least one of /desc, /category, or /from with /to must be used.

Example

  • /find /banktransaction /name JunBank Savings Account /desc bubble tea

FindBankTransaction1
Figure 44. Successful search of bank transaction by description after using /find /banktransaction

Finds and lists all transactions that match the description bubble tea charged to JunBank Savings Account.

  • /find /banktransaction /name JunBank Savings Account /category food

FindBankTransaction2
Figure 45. Successful search of bank transaction by category after using /find /banktransaction

Finds and lists all transactions that match the category food from the bank named JunBank Savings Account

  • /find /banktransaction /name JunBank Savings Account /from 1/1/2019 /to 7/1/2019

FindBankTransaction3
Figure 46. Successful search of bank transaction by date range after using /find /banktransaction

Finds and lists all transactions that fall between the date range of 1/1/2019 and 7/1/2019 from the bank named JunBank Savings Account.

  • /find /banktransaction /name JunBank Savings Account /desc bubble tea /from 1/1/2019 /to 7/1/2019 /category food

FindBankTransaction4
Figure 47. Successful search of bank transaction by description, category and date range after using /find /banktransaction

Finds and lists all transactions that match any one of the categories:

  • ACCOUNT_NAME → JunBank Savings Account | DESCRIPTION → bubble tea

  • ACCOUNT_NAME → JunBank Savings Account | FROM → 1/1/2019 TO → 7/1/2019

  • ACCOUNT_NAME → JunBank Savings Account | CATEGORY → food

In the last example above, OwlMoney provided you with the flexibility of performing 3 searches in one command:

  1. Search by description

  2. Search by date range

  3. Search by category
4.3.1.6. Finding card transaction details /find /cardtransaction

Looking for transactions from a credit card? OwlMoney is able to help you with that by providing you various ways to do it! It allows you to search by description, category or a date range!

Command Syntax

/find /cardtransaction /name CARD_NAME [/desc DESCRIPTION] [/from DATE /to DATE] [/category CATEGORY]

Transactions includes both expenditures and deposits.

DESCRIPTION used for searching is case-insensitive.

CATEGORY used for searching is case-insensitive.

At least one of /desc, /category, or /from with /to must be used.

Example

  • /find /cardtransaction /name POBB Tomorrow Card /desc bubble tea

FindCardTransaction1
Figure 48. Successful search of card transaction by description after using /find /cardtransaction

Finds and list all transactions that match with the description bubble tea from the credit card named POBB Tomorrow Card

  • /find /cardtransaction /name POBB Tomorrow Card /category food

FindCardTransaction2
Figure 49. Successful search of card transaction by category after using /find /cardtransaction

Finds and lists all transactions that match the category food from the credit card named POBB Tomorrow Card

  • /find /cardtransaction /name POBB Tomorrow Card /from 1/1/2019 /to 7/1/2019

FindCardTransaction3
Figure 50. Successful search of card transaction by date range after using /find /cardtransaction

Finds all transactions charged to POBB Tomorrow Card between 1/1/2019 and 7/1/2019.

  • /find /cardtransaction /name POBB Tomorrow Card /desc bubble tea /from 1/1/2019 /to 7/1/2019 /category food

FindCardTransaction4
Figure 51. Successful search of card transaction by description, category and date range after using /find /cardtransaction

Finds and lists all transactions that match any one of the categories:

  • CARD_NAME → POBB Tomorrow Card | DESCRIPTION → bubble tea

  • CARD_NAME → POBB Tomorrow Card | FROM → 1/1/2019 TO → 7/1/2019

  • CARD_NAME → POBB Tomorrow Card | CATEGORY → food

In the last example above, OwlMoney provided you with the flexibility of performing 3 searches in one command:

  1. Search by description

  2. Search by date range

  3. Search by category
4.3.1.7. Finding recurring expenditure details /find /recurbankexp

Looking for a recurring expenditure from a savings account? OwlMoney is able to help you with that by providing you various ways to do it! It allows you to search by description or category!

Command Syntax

/find /recurbankexp /name ACCOUNT_NAME [/desc DESCRIPTION] [/category CATEGORY]

Recurring expenditure only exists in savings account.

DESCRIPTION used for searching is case-insensitive.

CATEGORY used for searching is case-insensitive.

At least one of /desc or /category must be used.

Example

  • /find /recurbankexp /name JunBank Savings Account /desc spotif

FindRecur1
Figure 52. Successful search of recurring expenditure by description after using /find /recurbankexp

Finds and lists all recurring expenditures that match the description spotif within JunBank Savings Account.

  • /find /recurbankexp /name JunBank Savings Account /category bills

FindRecur2
Figure 53. Successful search of recurring expenditure by category after using /find /recurbankexp

Finds and lists all recurring expenditures that match the category bills within JunBank Savings Account

  • /find /recurbankexp /name JunBank Savings Account /desc spotif /category bills

FindRecur3
Figure 54. Successful search of recurring expenditure by description and category after using /find /recurbankexp

Finds and lists all recurring expenditures that match any one of the categories:

  • ACCOUNT_NAME → JunBank Savings Account | DESCRIPTION → spotif

  • ACCOUNT_NAME → JunBank Savings Account | CATEGORY → bills

In the last example above, OwlMoney provided you with the flexibility of performing 2 searches in one command:

  1. Search by description

  2. Search by category

4.3.2. Listing multiple details /list

Curious to find out your transactions for your accounts? Let us show you how it can be done!

In this section, you’ll be introduced to commands and parameters that help you to transfer funds between different bank accounts in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

ACCOUNT_NAME

Indicates the name of the bank account.

(e.g. DBB Vickers Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

CARD_NAME

Indicates the name of the credit card.

(e.g. POBB Everyday Card)

CARD_NAME should contain alphabetic characters, numeric characters, and spaces only.

CARD_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

NUMBER

Indicates the number of transactions to list.

NUMBER should contain positive numbers only up to a maximum of 9 digits.

Command Syntax

/list /achievement

/list /savings

/list /investment

/list /card

/list /goals

/list /bonds /from ACCOUNT_NAME [/num NUMBER]

/list /bankexpenditure /from ACCOUNT_NAME [/num NUMBER]

/list /cardexpenditure /from CARD_NAME [/num NUMBER]

/list /deposit /from ACCOUNT_NAME [/num NUMBER]

/list /recurbankexp /from ACCOUNT_NAME

Remaining Limit shown in /list /card is the limit left for the current month.

When /num is not specified, it is defaulted to 30 most recent records.

Example

  • /list /savings

Lists all savings accounts.

  • /list /investment

Lists all investment accounts.

  • /list /bankexpenditure /from JunBank Savings Account /num 60

Lists the most recent 60 expenditures tied to JunBank Savings Account.

  • /list /cardexpenditure /from POBB Tomorrow Card

Lists the most recent 30 expenditures tied to the POBB Tomorrow Card.

ListCardExpenditure
Figure 55. Successful listing of card expenditures after using /list /cardexpenditure.

  • /list /deposit /from JunBank Savings Account /num 10

Lists the most recent 10 deposits tied to JunBank Savings Account.

4.3.3. Transferring money between accounts /transfer

In this section, you’ll be introduced to commands and parameters that help you to transfer funds between different bank accounts in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

ACCOUNT_NAME

Indicates the name of the bank account.

(e.g. DBB Vickers Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

DATE

Indicates the date the expenditure was made.

(e.g. 2/2/2019)

DATE should be in DD/MM/YYYY format and cannot be a newer date than the current date.

AMOUNT

Indicates the amount of money.

(e.g. 2113.30)

AMOUNT should contain only digits up to 2 decimal places and a maximum of 9 digits.
4.3.3.1. Transferring funds between different bank accounts /transfer /fund

Thinking of transferring money between different accounts? We can do that too.

Command Syntax

/transfer /fund /from ACCOUNT_NAME /to ACCOUNT_NAME /amount AMOUNT /date DATE

OwlMoney provides you with the flexibility to transfer funds between different account types. (e.g. Savings to investment and vice-versa)

Example

  • /transfer /fund /from JunBank Savings Account /to POBB Savings Account /amount 500 /date 1/1/2019

Transferfund1
Figure 56. Successful transfer between two savings account after using /transfer /fund

Transfers $500 from JunBank Savings Account (savings account) to POBB Savings Account (savings account) on 1/1/2019.

  • /transfer /fund /from DBB Vickers Account /to JunBank Savings Account /amount 250 /date 1/1/2019

Transferfund2
Figure 57. Successful transfer between savings and investment account after using /transfer /fund

Transfers $250 from DBB Vickers Account (investment account) to JunBank Savings Account (savings account) on 1/1/2019 .

4.3.4. Recurring expenditures management

In this section, you’ll be introduced to commands and parameters that help you to manage recurring expenditures in OwlMoney.

Below is a list of command parameters that you can expect to use for the commands in this section.

Parameter

Description

Acceptable Range of Values

ACCOUNT_NAME

Indicates the name of the bank account.

(e.g. DBB Vickers Account)

ACCOUNT_NAME should contain alphabetic characters, numeric characters, and spaces only.

ACCOUNT_NAME is case-sensitive.

Take note that there is a maximum of 30 character limit.

AMOUNT

Indicates the amount of money.

(e.g. 2113.30)

AMOUNT should contain only digits up to 2 decimal places and a maximum of 9 digits.

DESCRIPTION

Indicates the description of the transaction.

DESCRIPTION should contain alphabetic characters, numeric characters, and spaces only.

Take note that there is a maximum of 50 character limit.

CATEGORY

The category that the expenditure can be tagged to.

(e.g. Bills)

CATEGORY should contain alphabetic characters and spaces only.

Take note that there is a maximum of 15 character limit.
4.3.4.1. Adding recurring expenditures /add /recurbankexp

Postpaid mobile plan bills that are consistent monthly? We can save you the hassle from adding them every month!

Command Syntax

/add /recurbankexp /amount AMOUNT /from ACCOUNT_NAME /desc DESCRIPTION [/category CATEGORY]

Example

/add /recurbankexp /amount 72.90 /from JunBank Savings Account /desc Telco Bills /category Bills

AddRecurringExpenditure
Figure 58. Successful adding of recurring expenditure after using /add /recurbankexp.

Adds a recurring expenditure that deducts $72.90 every 1st of the month to pay Telco Bills charged to JunBank Savings Account categorised under the Bills category.

4.3.4.2. Editing recurring expenditure /edit /recurbankexp

Command Syntax

/edit /recurbankexp /from ACCOUNT_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/category CATEGORY] [/amount AMOUNT]

At least one of /desc, /category or /amount must be used.

Example

  • /edit /recurbankexp /from JunBank Savings Account /transno 2 /desc Telco Bills /amount 119.90

EditRecurringExpenditure
Figure 59. Successful editing of recurring expenditure after using /edit /recurbankexp.

Edits recurring expenditure number 2 description to Telco Bills to charge $119.90.

4.3.4.3. Deleting recurring expenditure /delete /recurbankexp

Cancelled your recurring bill? You can delete it!

Command Syntax

/delete /recurbankexp /from ACCOUNT_NAME /transno TRANSACTION_NUMBER

DeleteRecurringExpenditure
Figure 60. Successful deleting of recurring expenditure after using /delete /recurbankexp.

To find out which recurring expenditure to delete, use the /list or /find function to find the description.

Example

  • /delete /recurbankexp /from JunBank Savings Account /transno 1

Deletes a recurring expenditure from JunBank Savings Account with transaction number 1.

4.3.5. Updating profile

Have some recurring transactions which have not been reflected yet? You can update your profile!

Command Syntax

/update

This updates any incoming income or interest that you are potentially scheduled to earn or any recurring expenditures that are supposed to be charged.

5. Future Enhancements [coming in v2.0]

5.1. Multi-Currency Support /currency USD

Multiple most currently used currencies will be supported in future releases. This will enable OwlMoney to support a wider range of users around the globe as well as to account for expenses made overseas, given the rise in online shopping.

5.2. Support for Stocks /stocks

Plans for stocks and options investment type will be supported in future releases. This will provide support for users who are more financially savvy in terms of growing their money with higher risk instruments.

5.3. Insurance tracking /insurance

Insurance is an important part of financial literacy. Ensuring that you are properly covered is important as medical bills are not cheap. Therefore, this feature will enable you to know what illnesses are covered and how much you are paying for the coverage.

6. FAQ

Q: How do I save my data in the application?
A: You do not need to save the data manually. Whenever you run any commands that make changes, OwlMoney's data are saved automatically in the data directory.

Q: Can I edit the data stored in the files of the data directory?
A: Yes you MAY do it! However, you RISK corrupting YOUR DATA if you enter malformed inputs as OwlMoney TRUSTS the modifications you make to the files. This is NOT A BUG and is designed as it is. OwlMoney MAY NOT function optimally if malformed inputs are loaded in from corrupted save files.

Q: How do I edit the data stored in the files of the data directory?
A: We recommend you NOT to use Microsoft Excel to perform your edits because it modifies the formatting of the .csv file. Therefore, use alternative tools like Notepad++ to perform your edits. The data in the files are clearly labelled with column names in the .csv files and you can easily make sense of it! As long as you follow the constraints set out for each PARAMETER as mentioned in all previous sections, you should be fine!

Q: Does OwlMoney support other languages or locales?
A: OwlMoney currently DOES NOT support languages or locales other than English. If your system language is not English, please change it before launching OwlMoney as we will not guarantee the smooth performance of OwlMoney in other environments.

7. Command Summary

This section provides a quick reference for all commands available in OwlMoney.

7.1. General Commands

Task

Purpose

Command Format

Example

help

Displays general commands to get users started

/help

/help

Undo

Undo your previous action

/undo

/undo

Exit

Exits the application

/exit

/exit

7.2. Detailed Management Commands

7.2.1. Savings Account Management

Task

Purpose

Command Format

Example

Adding savings bank account

Add a new savings bank account to the user’s profile.

/add /savings /name ACCOUNT_NAME /amount AMOUNT /income INCOME

/add /savings /name JunBank Savings Account /amount 218.90 /income 2000

Editing savings bank account

Edit the savings bank account’s details based on the new details given.

/edit /savings /name ACCOUNT_NAME [/newname ACCOUNT_NAME] [/amount AMOUNT] [/income INCOME]

/edit /savings /name JunBank Savings Account /newname JulyBank Savings Account

Deleting savings bank account

Delete an existing savings bank account from the user’s profile.

/delete /savings /name ACCOUNT_NAME

/delete /savings /name JunBank Savings Account

Adding expenditures for savings bank account

Add a new expenditure record to the savings bank account specified.

/add /bankexpenditure /amount AMOUNT /from ACCOUNT_NAME /date DATE /desc DESCRIPTION [/category CATEGORY]

/add /bankexpenditure /amount 1.20 /from JunBank Savings Account /date 28/09/2019 /desc bubble tea /category Dining

Editing expenditures for savings bank account

Edit an existing expenditure record tied to the savings bank account based on the new details given.

/edit /bankexpenditure /from ACCOUNT_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/category CATEGORY] [/amount AMOUNT] [/date DATE]

/edit /bankexpenditure /from JunBank Savings Account /transno 2 /desc Uniwlo Shirt

Deleting expenditures for savings bank account

Delete an existing expenditure record tied to the savings bank account.

/delete /bankexpenditure /from ACCOUNT_NAME /transno TRANSACTION_NUMBER

/delete /bankexpenditure /from /JunBank Savings Account /transno 1

Adding deposit for savings bank account

Add a new deposit record to the savings bank account.

/add /deposit /to ACCOUNT_NAME /amount AMOUNT /desc DESCRIPTION /date DATE

/add /deposit /to JunBank Savings Account /amount 300 /desc FREELANCE WORK /date 10/10/2019

Editing deposit for savings bank account

Edit an existing deposit record tied to the savings bank account based on the new details given.

/edit /deposit /from ACCOUNT_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/amount AMOUNT] [/date DATE]

/edit /deposit /from JunBank Savings Account /transno 11 /desc FREELANCE WORK /amount 270 /date 29/11/2019

Deleting deposit for savings bank account

Delete an existing deposit record tied to the savings bank account.

/delete /deposit /from ACCOUNT_NAME /transno TRANSACTION_NUMBER

/delete /deposit /from JunBank Savings Account /transno 11

7.2.2. Savings Account Management

Task

Purpose

Command Format

Example

Adding investment bank account

Add a new investment bank account to the user’s profile.

/add /investment /name ACCOUNT_NAME /amount AMOUNT

/add /investment /name DBB Vickers Account /amount 10000

Editing investment bank account

Edit the investment bank account’s details based on the new details given.

/edit /investment /name ACCOUNT_NAME [/newname ACCOUNT_NAME] [/amount AMOUNT]

/edit /investment /name DBB Vickers Account /newname OBOB Securities Account

Deleting investment bank account

Delete an investment bank account from the user’s profile.

/delete /investment /name ACCOUNT_NAME

/delete /investment /name DBB Vickers Account

Adding investment bonds for investment bank account

Add an investment bond to the investment bank account specified.

/add /bonds /from ACCOUNT_NAME /name BOND_NAME /amount AMOUNT /rate BOND_RATE /date DATE /year YEARS

/add /bonds /from DBB Vickers Account /name June SSB /amount 1000 /rate 1.92 /date 1/1/2019 /year 1

Editing investment bonds for investment bank account

Edit an investment bond tied to the investment bank account specified based on the new details given.

/edit /bonds /from ACCOUNT_NAME /name BOND_NAME [/rate BOND_RATE] [/year YEARS]

/edit /bonds /from DBB Vickers Account /name June SSB /rate 1.98

Deleting investment bonds for investment bank account

Delete an investment bond tied to the investment bank account specified.

/delete /bonds /from ACCOUNT_NAME /name BOND_NAME

/delete /bonds /from DBB Vickers Account /name June SSB

7.2.3. Credit Card Management

Task

Purpose

Command Format

Example

Adding credit card

Add a new credit card to the user’s profile.

/add /card /name CARD_NAME /limit CARD_LIMIT /rebate CASHBACK_RATE

/add /card /name POBB Tomorrow Card /limit 10000 /rebate 1.5

Editing credit card

Edit the credit card details based on the new details given.

/edit /card /name CARD_NAME [/newname CARD_NAME] [/limit CARD_LIMIT] [/rebate CASHBACK_RATE]

/edit /card /name POBB Tomorrow Card /newname JunBank GoodVibes Card

Deleting credit card

Delete a credit card from the user’s profile.

/delete /card /name CARD_NAME

/delete /card /name POBB Tomorrow Card

Adding expenditures for credit card

Add an expenditure record to the credit card specified.

/add /cardexpenditure /amount AMOUNT /from CARD_NAME /date DATE /desc DESCRIPTION [/category CATEGORY]

/add /cardexpenditure /amount 1.20 /from POBB Tomorrow Card /date 28/09/2019 /desc bubble tea /category Dining

Editing expenditures for credit card

Edit an expenditure record tied to the credit card specified based on the new details given.

/edit /cardexpenditure /from CARD_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/category CATEGORY] [/amount AMOUNT] [/date DATE]

/edit /cardexpenditure /from POBB Tomorrow Card /transno 2 /desc Uniwlo Shirt

Deleting expenditures for credit card

Delete an expenditure record tied to the credit card specified.

/delete /cardexpenditure /from CARD_NAME /transno TRANSACTION_NUMBER

/delete /cardexpenditure /from POBB Tomorrow Card /transno 1

Adding credit card bill

Add a credit card bill expenditure and rebate deposit into savings account.

/add /cardbill /card CARD_NAME /date YEARMONTH /bank ACCOUNT_NAME

/add /cardbill /card POBB Tomorrow Card /date 10/2019 /bank JunBank Savings Account

Deleting credit card bill

Delete a credit card bill expenditure and rebate deposit from savings account.

/delete /cardbill /card CARD_NAME /date YEARMONTH /bank ACCOUNT_NAME

/delete /cardbill /card POBB Tomorrow Card /date 10/2019 /bank JunBank Savings Account

7.2.4. Financial Goal Management

Task

Purpose

Command Format

Example

Adding financial goals

Add a new financial goal to the user’s profile.

/add /goals /name GOAL_NAME /amount TARGET_AMOUNT /by DATE [/from ACCOUNT_NAME]

/add /goals /name GOAL_NAME /amount TARGET_AMOUNT /in DAYS [/from ACCOUNT_NAME]

/add /goals /name BTO at Punggol Downpayment /amount 200000 /by 10/10/2020 /from JunBank Savings Account

Editing financial goals

Edit the financial goal’s details based on the new details given.

/edit /goals /name GOAL_NAME [/newname GOAL_NAME] [/amount AMOUNT] [/in DAYS] [/by DATE] [/from ACCOUNT_NAME] [/mark 1]

/edit /goals /name BTO at Punggol Downpayment /newname BTO at Tampines Downpayment

Deleting financial goals

Delete a financial goal from the user’s profile.

/delete /goals /name GOAL_NAME

/delete /goals /name BTO at Punggol Downpayment

7.2.5. Profile Management

Task

Purpose

Command Format

Example

Editing profile details

Edit the profile details based on the new details given.

/edit /profile /name NAME /newname NAME

/edit /profile /name Jun /newname JUNNY

7.3. Utility Commands

Task

Purpose

Command Format

Example

Listing general details of the profile

List the general details of the bank accounts, cards or goals in the profile.

/list /savings

/list /investment

/list /card

/list /goals

/list /achievement

/list /savings

/list /investment

/list /card

/list /goals

/list /achievement

Listing specific details of cards, accounts, bonds, etc.

List the general specific details of cards, accounts, bonds etc.

/list /bonds /from ACCOUNT_NAME [/num NUMBER]

/list /bankexpenditure /from ACCOUNT_NAME [/num NUMBER]

/list /cardexpenditure /from CARD_NAME [/num NUMBER]

/list /deposit /from ACCOUNT_NAME [/num NUMBER]

/list /recurbankexp /from ACCOUNT_NAME

/list /bonds /from DBB Vickers Account

/list /bankexpenditure /from JunBank Savings Account /num 60

/list /cardexpenditure /from POBB Tomorrow Card

/list /deposit /from JunBank Savings Account /num 10

/list /recurbankexp /from JunBankSavings Account

Finding bank accounts or cards that match with the keyword specified by the user

List the bank accounts or cards that match with the keyword specified.

/find /savings /name ACCOUNT_NAME

/find /investment /name ACCOUNT_NAME

/find /card /name CARD_NAME

/find /savings /name Jun

/find /investment /name Vickers

/find /card /name POBB

Finding investment bonds within a specified investment account that match with the keyword specified by the user

List the bonds' details within a specified investment account that match with the keyword specified.

/find /bonds /name BOND_NAME /from ACCOUNT_NAME

/find /bonds /name SSB /from DBB Vickers Account

Finding transaction records within a specified bank account or card that match with the keyword specified by the user

List the transaction records within a specified bank account or card that match with the keyword specified.

/find /banktransaction /name ACCOUNT_NAME [/desc DESCRIPTION] [/from DATE /to DATE] [/category CATEGORY]

/find /cardtransaction /name CARD_NAME [/desc DESCRIPTION] [/from DATE /to DATE] [/category CATEGORY]

/find /banktransaction /name JunBank Savings Account /desc bubble tea /from 1/1/2019 /to 7/1/2019 /category food

/find /cardtransaction /name POBB Tomorrow Card /desc bubble tea /from 1/1/2019 to 7/1/2019 /category food

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Finding recurring expenditure records within a specified savings account that matches with the keyword specified by the user

List the recurring expenditure records within a specified savings account that match with the keyword specified.

/find /recurbankexp /name ACCOUNT_NAME [/desc DESCRIPTION] [/category CATEGORY]

/find /recurbankexp /name JunBank Savings Account /desc bubble tea /category food

Transferring funds between bank accounts

Transfer funds from one account to another account based on the amount specified by the user.

/transfer /fund /from ACCOUNT_NAME /to ACCOUNT_NAME /amount AMOUNT /date DATE

/transfer /fund /from JunBank Savings Account /to POBB Savings Account /amount 500 /date 1/1/2019

Adding recurring expenditure for bank account

Add a new recurring expenditure record to the savings bank account specified.

/add /recurbankexp /amount AMOUNT /from ACCOUNT_NAME /desc DESCRIPTION [/category CATEGORY]

/add /recurbankexp /amount 72.90 /from JunBank Savings Account /desc Telco Bills /category Bills

Editing recurring expenditure for bank account

Edit an existing recurring expenditure record tied to the savings bank account based on the new details given.

/edit /recurbankexp /from ACCOUNT_NAME /transno TRANSACTION_NUMBER [/desc DESCRIPTION] [/category CATEGORY] [/amount AMOUNT]

/edit /recurbankexp /from JunBank Savings Account /transno 2 /desc Telco Bills /amount 119.90

Deleting recurring expenditure for bank account

Delete an existing expenditure record tied to the savings bank account.

/delete /recurbankexp /from ACCOUNT_NAME /transno TRANSACTION_NUMBER

/delete /recurexpenditure /from JunBank Savings Account /transno 1

Update outdated profile

Checks all recurring transactions and updates the profile if needed.

This includes income, recurring expenditures, interests from bonds.

/update

/update