Accounts · iOS, iPadOS
How loan and credit card balances look
Why loan and credit card balances show without a minus sign, what red and green mean, and how debts count in Net Worth.
Version and availability: Instructions checked against released app source code for MoneyCoach 12.5.1.
Checked against the released app’s source code on 2026-10-22; these steps have not been tested in the app.
How the balances look
Loan and Credit Card accounts are debts. MoneyCoach saves the money owed on them as a negative balance.
On the Accounts list and the Accounts card in Overview, these rows show the amount without a minus sign. Red means the balance is below zero and the customer owes money; this is normal for a loan. Green means the balance is above zero, for example after an overpaid card. A zero balance has no color.
Some places keep the minus sign: the total next to an account group name, the Balance on date headers in an account's transaction list, and account balances on Apple Watch.
Net Worth
The Summary section at the top of the Accounts list shows Net Worth, Assets and Liabilities. Liabilities is the total owed on credit cards and loans, shown as a positive number. Net Worth is Assets minus Liabilities, so debts lower Net Worth.
A payment by transfer from a bank account to the loan or card lowers both balances by the same amount, so Net Worth does not change.
Add or update a loan or credit card
Enter the amount owed as a positive number: Loan Amount for a loan, Current Balance for a credit card. MoneyCoach does not accept a negative loan amount. For a new loan, MoneyCoach also adds a Loan Payable expense.
- On the Accounts list, touch and hold the manual loan or credit card.
- Choose Update Balance.
- Enter the amount owed today as a positive number.
- Check the new balance on the review screen and tap Confirm. MoneyCoach adds one Account reconciliation transaction for the difference.
Linked loans and credit cards
For a loan or credit card linked from a US bank, MoneyCoach saves the amount the bank reports as owed as a negative balance, so it shows in red. An Account Reconciliation transaction keeps the MoneyCoach balance equal to the bank balance; for a debt it is usually an expense.
If debts show in green
Settings > General > Invert Color Meaning swaps red and green in the whole app. When it is on, debts show in green and amounts above zero show in red. Turning it off restores the standard colors; a restart of the app may be needed.