DGTAL Finance Management — Complete User Guide

Why this design is deliberate

• Your money stays safe. Nobody can log in here and spend your funds, because there is nothing to spend. No bank passwords, no card numbers, no login to your bank are ever asked for.
• It works with any bank, wallet or cash drawer. A local bank, bKash, Nagad, PayPal, Wise, a marketplace like Fiverr or Upwork, a USD account, or physical cash: if you can write the amount down, the app can track it.
• You stay in control. Every figure in the app is something you or your team entered, so you can always explain where it came from.

What you get out of it

You do not need to set up everything on day one. Do these five things in order and the Dashboard will already start telling you something useful.

1. 1Sign up and verify. Enter your email, then type the one-time code we send you. There is no password to remember.
2. 2Choose your base currency. This is the currency your totals are shown in (for example BDT or USD). Choose carefully: it is the "language" all your reports speak.
3. 3Add your accounts. Open Accounts and add every place your money lives: each bank account, bKash or Nagad, PayPal, cash in hand. For each one, type the amount that is in it today as the opening balance. The next section explains this step in detail, because it matters most.
4. 4Add your first income and expense. Open Income or Expenses, pick the account, the category, the amount and the date. That is one record.
5. 5Look at the Dashboard. You will see your total balance, this month's income against expenses, and recent activity.

Once that works, add the rest when you need it: clients, projects, invoices, bills you owe, and your team.

This is the part people ask about most, so here it is in plain words. It also explains how to reconcile a bank account without connecting to your bank.

When you add a bank account in this app, you are not connecting to your bank. You are creating a labelled box in your notebook, for example "City Bank, Current", and writing down how much money is in it right now. That is all.

What the app does NOT do

• It does not log in to your bank, and it never asks for your bank username, password, PIN, card number or OTP.
• It does not send, receive, withdraw or transfer real money. A "Transfer" in the app only records that you moved money between two of your own accounts.
• It does not read your bank statements automatically. Nothing appears in the app unless a person on your team types it in.
• It does not touch, freeze or change the balance in your real bank in any way.

What the app DOES do

• It keeps a running balance for each account, which is the figure you reconcile a bank account against, based on the opening balance you typed and every income, expense and transfer you record afterwards.
• It adds all accounts together, converting foreign currencies to your base currency, and shows the total on the Dashboard.
• It lets you compare that running balance with your real bank balance, so you can spot a missing or wrong entry quickly. That comparison is how you reconcile a bank account in the app.

How to add an account correctly

1. 1Open Accounts and click add.
2. 2Give it a clear name, for example "Dutch-Bangla Bank - Current".
3. 3Choose the type: Bank, Cash, Marketplace, Payment Gateway, Digital Wallet, USD Account or Other.
4. 4Choose the currency of that account.
5. 5Type the opening balance: the amount that is in the real account at this moment. Look at your bank app or statement and copy the number.
6. 6Save. From now on, record each payment as it happens.

The opening balance is only entered once, when the account is created. When you reconcile a bank account later, this figure is the starting point. After that, the balance changes only through the records you add.

Different account types, same idea

Because the app only knows what you tell it, the best way to trust it is to compare it with reality now and then, which means you reconcile a bank account regularly. This is called reconciliation, and it takes five minutes. Following these steps is how to reconcile a bank account in five minutes.

If the two numbers match, your income, expenses and transfers are all recorded correctly, and the total on your Dashboard is the real amount of money you have. If the two numbers still differ after you reconcile a bank account, contact the support desk.

If they do not match when you reconcile a bank account, the difference is a clue. Use it like this:

When every account matches after you reconcile a bank account, the Dashboard gives you the truth about your business:

• Total Available Balance: everything you hold across all accounts.
• Income, minus expenses: what you actually kept this month (Net Cash Flow).
• Receivable: money people still owe you, which is not in your accounts yet.
• Payable: money you owe, which you will have to pay out of your balance.

So the honest question "how much do I really have?" is your balance, plus what you will collect, minus what you must pay. When you reconcile a bank account first, that answer becomes reliable. All of those numbers sit side by side in the app, which is how you see your costs, income and true position in one place.

Rules that keep the books clean

• Record an item the day it happens, with the right account and category.
• Never edit the opening balance to "force" a match. Find the missing record instead.
• Deleted something by mistake? Open Trash and restore it.
• Use Transfers for moving money between your own accounts, so it is never counted as income or expense.

The left menu is grouped by the job you are doing. Here is what each page is for, so you never wonder "do I need this?".

• Base currency vs account currency. Totals are shown in your base currency. An account in another currency is converted for the total. Changing an account's currency later only relabels it going forward and does not convert past entries.
• Deleting an income or expense changes your totals and account balance immediately, but you can restore it from Trash.
• Estimates are estimates. Tax figures and AI answers are based only on what you entered. Please treat them as planning help, and confirm with a qualified professional for filings.

Which plan is right for me?

You can see your usage (for example 2 of 3 projects) in Plan & Billing. When you move to a higher plan, you pay only the difference for the days left in your current billing period, and the switch happens once we confirm it. When you move to a lower plan, we calculate a refund for the unused time and switch you once we confirm it. Your data always stays with you.

Frequently asked questions

• You sign in with a one-time code sent to your email.
• The app never asks for bank passwords, card numbers or PINs.
• Only the workspace owner can open billing, Trash and Team Access.
• AI answers use only the records in your own workspace.

For the full details, please read our Privacy Policy and Terms and Conditions.