Loans, credit cards and daily value history

Record receivable and payable payments, correct a receipt with a reviewed notice, manage card balances and understand daily value snapshots.

Loans receivable are money owed to you. Loans payable are money you owe, while credit cards have their own area because statement balances and minimum payments need different treatment.

Value, income and costs for an asset

In Assets, choose Actions → Value, income & costs, or expand an asset row and choose the same button. The shared Asset activity panel has two tabs. Value history shows daily snapshots; the chart is no longer duplicated in the expanded Assets row. The household net-worth chart is unchanged.

Income & costs shows actual activity for the selected tax year. Link an Income stream or a Spending transaction to the asset to include it; managed loan receipts appear automatically for their loan asset. Choose View in Income or View in Spending to review the original record, without posting it again.

Income received is after deductions recorded at source, while loan capital is separate. Refunds reduce costs. Net associated movement is income less costs, plus capital returned, less capital paid: it is not an investment return, taxable profit or a valuation change. Unconfirmed, excluded, inconsistent or non-GBP records have an explanation and are not included in the totals.

Company activity covers explicit associations to its currently owned assets at full company amounts, not your ownership share or all company turnover. Closed source accounts retain associated history; to edit a Spending transaction you may need to include that source again. Search filters the table only, not the year's totals; Load 20 more reveals further records.

Record a receivable payment

Open the loan and choose Schedule & receipts. Record payment is the first action on an unpaid scheduled row; a flexible or EOT loan can accept an unscheduled receipt without inventing due dates.

Review the capital, gross interest, tax withheld and actual receipt date. Continue to the email-review step, then choose either to save with the reviewed confirmation or save without an email. Historical imports and backdated receipts remain silent.

Correct a receipt

In Receipt history, choose Correct receipt. Select replacement, withdrawal or evidence-only amendment, and provide a private reason.

Review the effect on outstanding capital and interest. A replacement preserves the original record but removes it from effective balances; withdrawal reopens the obligation without creating a refund or bank transfer.

Financial corrections require separate review of R185 and HMRC evidence. The correction notice is not a tax certificate, another payment or a payment request. Private notes, correction reasons and HMRC references are excluded.

For a financial correction, review the service-only notice and its recipient before sending. An unsent original confirmation is cancelled. If an earlier email has an uncertain provider result, save the correction without sending and review provider status before a later notice. Provider acceptance does not prove delivery to an inbox.

Correction history can offer Review correction email when no notice was requested. That action sends a notice for the saved correction without applying the financial change again.

Some changes involving extra-capital schedule revisions or dependent EOT receipts require further reconciliation. Fieldwell blocks those changes rather than silently rewriting later transactions.

Manage payable loans

Choose a category, then an agreement type. Select the borrower from the household's individuals or companies; a joint agreement is counted only once. The opening balance should have a clear reference date.

Link an associated property, vehicle or other asset if useful. The asset keeps its gross value, while the loan is deducted separately in net worth.

Schedule & payments shows a limited window of expected payments, with Load 12 more for longer terms. Capital and interest splits are forecasts until checked against lender evidence, including on fixed-rate mortgages. A bank payment alone does not establish the actual capital/interest split on variable or tracker loans.

Record payment requires the actual allocation. A schedule amendment can represent an overpayment, payment holiday or rate/payment change; unapproved changes are retained as scenarios. Neither a scenario nor an approved schedule change posts money or capitalises interest in the actual ledger.

Student loans and revolving facilities use statement-confirmed balances rather than a generic amortising forecast. Hire and finance-lease records do not automatically assert ownership or an accounting capital liability.

Update a card

Use Update balance for a dated manual balance, or Upload card statement with AI to propose values for review. Current amount owed, statement balance, minimum payment and credit limit are distinct fields; do not substitute one for another. A negative current amount owed represents a card credit balance.

Recording a card payment reduces the liability, but does not create a second bank transaction. Provider-linked card balances need verified account identity and sign conventions before they can be used automatically.

AI uploads accept supported documents, CSV and Excel worksheets through the standard protected reader. Uploading never posts a payment or saves a balance. Check missing fields and proposed values before saving.

Read daily history

Value history is available on loan and card detail pages, in expanded asset previews, and on the household overview. Daily snapshots include native values, reporting-currency conversion and source dates.

History starts with the first captured run. Fieldwell does not fill earlier dates with today's values. Carried-forward observations retain their underlying dates; missing values or currency rates remain gaps, not zeroes.

The nightly job records all valuation components even when a bank connection is skipped. Incomplete runs do not publish a complete household net-worth total and trigger an operational alert. Previously issued daily snapshots are retained when a receipt is corrected.