What you own and what you owe

A holding is something you own, recorded with a name, a kind (a stock or fund, crypto, or a physical thing), a quantity, and a price per unit, in a currency. Maya's RRSP is a fund at a price you set, worth about $91,600 today; the bitcoin is 0.18 of a coin at today's price; the house is one unit worth about $698,000. You set the prices yourself, whenever you choose, and nothing is fetched automatically on a schedule. A holding in another currency is converted, at a rate you keep, when Mintro adds up what you own and owe.

Each holding says whether it counts toward retirement. Stocks, funds, and crypto count by default; a house, a vehicle, or a painting don't; for anything else, Mintro asks you when you add it. Each physical thing can grow in value at its own rate (the house at 3%, the truck not at all) and shows as its own band in net worth. The retirement plan only counts what you could actually spend, while net worth counts everything.

A loan is a debt recorded with its terms: the balance, the interest rate, the payment, the number of payments a year, the account it is paid from, and, if it is secured, the holding it is secured on. The mortgage is linked to the house, the truck loan to the truck, and the student loan to nothing. Credit cards are not loans in Mintro: they are accounts, and they stay on Accounts.

$650 leaves chequing on the 16th for the RRSP. That transaction is the purchase: once it is linked to the holding, it adds units at the last price, and it comes out of an envelope (Retirement, in this case), like any money that leaves your accounts, so the budget knows it was planned. A loan payment works the same way, coming out of the loan's envelope, with the interest and principal worked out for you. A sale is the same thing in reverse: the money comes back into Ready to assign, waiting for a new job.

Your account balances at the end of each month, your holdings at their last price on or before that date, and your loans at their balance then: added together, that is your net worth month by month, shown on Assets. The Goals screen projects it forward as bands (invested, cash, home and things, and loans) to the end of your plan. The house is most of it, and the mortgage takes most of that away; the part that is money you can live on is the band the retirement plan uses.