Products Feature

The Products feature turns any account under "Assets" into a personal inventory of valuable items — guitars, watches, cameras, electronics, collectibles. Each product remembers what you paid, what it's worth today, and every transaction that touched it.

Instead of seeing an account's balance as a single number, you see the actual items that make it up, how they're performing, and the net result once you resell them. It's a lightweight alternative to a spreadsheet — no quantities, no stock levels, just one record per thing you own.

Most people treat "stuff I own" as invisible. That's fine for groceries and coffee, but once you're buying items that hold value — or you plan to resell — a plain expense category hides the picture. Products give you:

• A realistic net worth — the €2,000 camera in your drawer shows up in Insights instead of being hidden under "Electronics expense".
• Profit/loss visibility per item — see whether that watch appreciated or the gaming console depreciated before you consider selling.
• A personal catalogue with photos and URLs — useful for insurance, warranty lookups, or remembering where you bought something.
• Honest resale tracking — when you sell, the transaction links back to the original purchase so you see the real gain or loss, not just a lump-sum income.
• Cleaner statistics — accounts with products move out of the "Cash" group into "Investments", so your liquid-money graphs stop being skewed by the value of physical items.

Product — A single tracked item (one guitar, one watch, one laptop). It has a name, optional emoji or photo, a link to where you bought it, a "used" flag, and optional market prices for new and used condition.

Product Account — An account under "Assets" with the "Support Products" flag turned on. Think of it as a category that holds products — e.g. a "Collectibles" account holds many individual collectibles.

Purchase link — When you record an expense on a product account and attach a product, Budget Buddy saves a purchase link between the transaction and the product. That's what builds your purchase history.

Sale link — When you sell a product, you create an income transaction on the product account with "Sell Product" turned on. That creates a sale link, and the product is marked as sold (and hidden from future sell dialogs unless partial).

Partial sale — A sale that doesn't fully close the product. Useful when a product represents a bundle — for example, selling 1 of 3 identical mics from a "Live sound kit" product. The product stays available for further sales until you record a non-partial one.

Products are opt-in per account. Any account under the "Assets" root can be flipped into a product container — this doesn't touch its existing balance or transactions, it just unlocks the extra UI.

You don't create products from a blank form. Instead, every product is born out of a real purchase transaction — that's what guarantees the purchase history is accurate and the purchase date matches the transaction date.

The Products tab is your catalog. It's accessible from the Home tab and shows every product you own, their totals, and quick filters.

When you resell a product — on Reverb, OLX, Vinted, Facebook Marketplace, to a friend, wherever — record it as an income transaction on the product account and flip the "Sell Product" toggle. The sale amount is whatever you actually received; Budget Buddy will compute the profit or loss against the original purchase automatically.

Turning on products doesn't just add a catalog — it changes how Budget Buddy builds your reports. Here's what to expect:

• Net worth grouping: accounts with products support are pulled out of "Cash" or "Bank Accounts" and shown under "Investments", so your liquid money is no longer mixed with physical assets.
• Net worth amount: each unsold product contributes based on your chosen valuation method — purchase price, current new price, or current used price. Sold products stop contributing (but their transactions remain).
• Per-product timeline: every product has its own chart showing cumulative purchases minus sales over time. Easy to spot whether an item has already paid for itself.
• Profit/loss on sale: when you record a sale, the income still counts toward your cash flow — but the product details page reports the difference between purchase and sale separately, so depreciation/appreciation is visible.
• Watchlist & data quality panels: the Products tab surfaces items with missing prices or stale refreshes, so your valuation doesn't silently drift.

Unsold products need a number to show in your net worth — but that number depends on what you're measuring. Budget Buddy lets you pick the basis once, in Settings → Products → Valuation, and applies it across every product account.

Based on purchase price — The safest, most conservative option. Uses what you actually paid. Ignores market fluctuations — perfect if you mostly care about tracking what you own, not what it's worth today. This is the recommended default.

Based on current new price — Uses the product's current new-condition market price. Most optimistic — gives you a replacement-cost view ("what would it cost to re-buy everything new today"). Useful for insurance estimates.

Based on current used price — Uses the product's current used-condition market price. Most realistic for resale scenarios — answers "if I sold everything tomorrow, what would I get?" Great for collectibles, watches, instruments.

A few habits that keep the Products feature useful instead of another to-do list:

• One account per category. Keep products grouped — Collectibles, Electronics, Tools, Musical gear. Mixing everything into one account makes filters useless.
• Only track items that matter. Don't turn the kettle into a product. A good rule of thumb: if you'd consider reselling it, track it. Otherwise let it live as a normal expense.
• Fill in the URL when you buy. It's zero extra effort while you're on the purchase page, and it makes price refreshes ten times faster later.
• Use an emoji before a photo. An emoji renders instantly in every list; photos are great for details but take screen real estate. Do both only for your higher-value items.
• Mark "Used" honestly. Bought second-hand? Toggle "Used". This affects how the used-market-price valuation behaves and keeps your data clean.
• Refresh prices monthly. Open the Products tab, hit "Refresh all prices", scroll the list. It's a 30-second habit that keeps Insights accurate.
• Record sales the day they happen. Waiting makes dates fuzzy and profit/loss calculations less trustworthy.
• Use "Partial" only when you mean it. A partial sale keeps the product active forever — easy to accidentally leave half-sold items cluttering your catalog.

Can I track quantities, like "5 of this item"?
Not directly — each product is one record. For bundles or small batches, use the Partial sale feature to offload pieces over time. For real inventory with units, create one product per item.

What happens to a product when I delete the purchase transaction?
The link is removed, but the product record stays. If you want the product gone too, delete it from the product details page.

Do sold products still show up somewhere?
Yes — they're hidden from the "Sell Product" picker but remain in the Products tab (you can filter them out) and in their account's transaction history. The cumulative chart on the details page keeps showing them.

Can two accounts share the same product?
No. Each product belongs to exactly one account. If you move a product between categories, edit it and change its account — the transactions stay linked.

Does this sync across devices?
Yes. Products follow the same offline-first sync as your accounts and transactions — changes push when you're online and pull on the next app resume.