Finances

Finances gives you one place to understand what you own, what you owe, where money is going, and what needs attention. Open More → Finances to see your net worth, monthly cash flow, accounts, recent activity, budgets, goals, alerts, and agent suggestions.

Your financial workspace starts empty. Add only the accounts you want HivemindOS to track.

Add Your Accounts

Choose Add account, then use the option that fits the account:

• Connect automatically keeps supported bank, card, loan, and investment accounts current after a secure sign-in.
• Add it yourself tracks cash, property, loans, offline investments, or anything else with a balance.
• Import a statement adds transaction history from a CSV, OFX, or QFX file. Reimporting the same rows does not create duplicates.

HivemindOS also brings in supported HivemindOS wallets and connected brokerage accounts when you refresh. Automatic account updates are included with HivemindOS Plus, Pro, and Max; if you do not have an active plan, the account flow lets you choose one without losing your place. Self-hosted installations can use their own connection under Advanced. Manual balances and statement imports remain available without a plan.

Use Refresh when you want the latest available balances and activity. A connection that needs you appears in the financial watchlist and on its account card.

Understand The Overview

The Overview separates:

• assets from liabilities;
• cash from investments and crypto;
• settled monthly income from settled monthly spending;
• current totals from balances in another currency that have not been converted.

Pending transactions do not change monthly cash flow. Accounts in a different currency remain visible, but HivemindOS does not guess an exchange rate or silently include them in the base-currency total.

The watchlist calls out connection problems, low balances, unusually large purchases, budgets that are nearly used or exceeded, and upcoming liability payments when that information is available.

Organize Activity And Plans

Use Activity to search transactions and correct their categories. Categories feed the monthly spending breakdown and matching budgets.

Use Plans to:

• set monthly category budgets;
• track savings, emergency-fund, net-worth, custom, or debt-payoff goals;
• link goals to account balances so progress updates with those accounts;
• review suggestions prepared by an agent.

Removing a manually added account removes its imported history. Removing an automatically connected institution removes every account from that connection. HivemindOS asks before either action.

Use Export data in Accounts whenever you want a portable copy of the financial records in the current workspace. If a subscription ends, existing records remain available to view and export, and connected institutions can still be removed. Automatic refresh and new connections resume when the subscription is active again.

Give An Agent Access

Agents have no access to Finances by default. In Agent access, choose one agent and grant only the accounts and abilities it needs.

Available permissions cover the financial overview, accounts, transactions, categorization, holdings, budgets, goals, alerts, and suggestions. Leaving every account unchecked grants the selected abilities across current and future accounts; selecting accounts narrows access to those accounts.

An agent can be allowed to prepare a suggested transfer, trade, payment, or other action with an optional dollar ceiling. A suggestion is a reviewable plan, not a money movement. Approving it in Finances saves your decision; any real transfer or trade still follows its own wallet or trading confirmation and limits.

Remove an agent’s Finance access at any time. This does not change the agent’s unrelated app permissions.

Privacy And Safety

Financial records cached on your computer stay encrypted and private to the current workspace. Automatic connection access is isolated to your HivemindOS account and never appears in the Finance screen or agent output.

Statement files are processed as imports and are not exposed to agents. Agents receive only the finance data covered by their saved permissions. Bank passwords stay in the secure connection window and are not given to HivemindOS or its agents.

Finances is an organization and oversight workspace. It does not replace statements from your financial institution, and its summaries are not tax, legal, or investment advice.