Help
Common concerns and questions
Here are the things people often want to understand before trying BalanceNavi. You can find the details that do not fit on the top page here.
Common concerns
Connected accounts are complicated and break too often
Bank, credit card, Amazon, and e-commerce integrations can look convenient, but setup errors, reauthorization, and feature overload often make day-to-day management feel heavier than expected.
BalanceNavi keeps the workflow simple: record, check, and analyze only what you need.
Registering bank or card information feels risky
Automatic integrations usually require sensitive account or card access. They can also make spending feel less visible because transactions appear without the moment of manual awareness.
BalanceNavi does not require bank or card credentials. Start with rough numbers, then add detail only when it becomes useful.
It is hard to see what your future finances look like
Many budgeting apps focus on recording and analyzing this month. They do not clearly answer questions like how your savings, investments, or loan balance may change years from now.
BalanceNavi helps you forecast savings, investments, and loan schedules 5 to 30 years ahead.
Calculating early loan repayment impact is tedious
Even if you are considering an extra repayment, calculating how much interest it saves or how many months it shortens the loan can take separate tools and repeated manual work.
We plan to add automatic simulations for balance changes and estimated interest savings after early repayment.
Frequently asked questions
Do I need to enter detailed data from the beginning?
No. You can start with rough monthly income, monthly expenses, and approximate savings or investment balances. Category-level and account-level detail can come later, once you want a more precise view.
How do the ledger and asset management sections work differently?
The ledger is for understanding this month’s money movement: income, expenses, and spending categories. Asset management is for tracking what you own and owe: savings, investments, and loan balances.
What should I record in the ledger?
Record everyday income, such as salary or side income, and expenses such as food, transport, utilities, and entertainment. For credit card purchases, recording the purchase date instead of the billing date gives a clearer monthly picture.
Should I start with the ledger or asset management?
Starting with the ledger is usually easiest. Once recording monthly income and expenses becomes familiar, add savings, investment, and loan balances to see both cash flow and overall assets together.
Why do I see a 401 error for the Google Drive connection?
If you delete or revoke BalanceNavi access from the Google Account app permissions page while still logged in, the Google Drive credentials held by BalanceNavi become invalid. Automatic backup and sync cannot run in that state, and an error such as Drive API error: 401 / UNAUTHENTICATED may appear. This is an expected result of the user revoking the connection on the Google Account side. Signing in again lets you grant the required permissions again.
Can old data reappear after deleting BalanceNavi from the Google Account app permissions page?
Yes. If you remove BalanceNavi access from the Google Account app permissions page, BalanceNavi can no longer access Google Drive, but deletion of past BalanceNavi Data stored in Google Drive app-specific storage may not be reflected immediately after reconnecting. Google Help explains that hidden data from apps connected to Drive can be deleted from Google Drive settings under Manage apps, and that storage updates after deleting multiple files can take up to 48-72 hours. To delete BalanceNavi Data reliably, use the account deletion feature in BalanceNavi settings.
You can start by viewing the sample
See how cash flow, asset balances, and future forecasts look before entering your own data.