ActualAccount's simplicity includes:
Using ActualAccount is about abstracting away your divided assets.
ActualAccount wants you to know negative money is not spendable money. Zero is the minimum account balance.
So why is this an app? Money is more complicated than this... There are debits, credits, debt, categories, budgets, interest, interest charges, mortgages, hedge funds, gold stashes...
You’re right about money being complicated. This is exactly why we need simple. Many banks, businesses, and people make a substantial amount of money off of other people getting trapped in this complexity. The ones who need money to be simple are the ones who don’t have the energy, the time, or the skills. Really, everyone would benefit from simple. That’s the whole point of technology. Simplify the complicated. Whether you're young with a simple allowance, you work hard to get paid, or you just want a simple financial tool: ActualAccount is here for you.