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Add an institution and financial account
Create a bank or broker, add its products, and configure currency, asset class, liquidity, and flow tracking.
Read guide → Getting startedBuild a complete financial structure
Understand where banks, accounts, tangible assets, liabilities, income, and expenses belong in Hugo.
Read guide → Monthly closing & cash flowComplete a monthly closing
Review every missing account balance, asset valuation, and liability balance, then close the month.
Read guide → Getting startedCreate your account and complete onboarding
Set up your profile, goal, first financial account, income, and expenses in Hugo’s four-step onboarding.
Read guide →Everything you need to know
Getting started
Set up your account and build a useful first financial overview.
4 articlesAccounts & portfolio
Add, organize, value, and update everything you own or owe.
6 articlesMonthly closing & cash flow
Create reliable monthly checkpoints and keep recurring income and expenses current.
4 articlesOverview & financial metrics
Understand every dashboard number, its formula, required data, and limitations.
8 articlesPerformance & currency analytics
Calculate investment returns correctly and understand benchmark and exchange-rate comparisons.
4 articlesGoals & planning
Use goals, projections, and scenarios to make better long-term decisions.
4 articlesAccount, billing & security
Manage your profile, subscription, privacy, exports, and account security.
5 articlesArticles
Add an institution and financial account
Create a bank or broker, add its products, and configure currency, asset class, liquidity, and flow tracking.
Add and manage liabilities
Record mortgages, loans, and credit cards, including outstanding balances and interest rates.
Add and value a physical asset
Create real estate, vehicles, watches, and other tangible assets, then maintain their monthly valuation history.
Add recurring income and expenses
Maintain the current monthly cash-flow items used by the simulator and financial metrics.
Build a complete financial structure
Understand where banks, accounts, tangible assets, liabilities, income, and expenses belong in Hugo.
Compare performance with the S&P 500 or a custom target
Understand percentage-point differences, eligible accounts, unavailable periods, and custom yield targets.
Complete a monthly closing
Review every missing account balance, asset valuation, and liability balance, then close the month.
Configure product types and Entities
Create reusable account defaults and separate personal, household, or company ownership where the feature is available.
Correct data after a month is closed
Edit individual monthly entries without reopening or repeating the closing wizard.
Create your account and complete onboarding
Set up your profile, goal, first financial account, income, and expenses in Hugo’s four-step onboarding.
Export all account data
Download a confirmed CSV export containing institutions, accounts, histories, assets, liabilities, income, and expenses.
How Hugo calculates investment performance
Understand the Modified Dietz formula, linked period returns, absolute gain, currency conversion, and undefined periods.
Manage profile, language, country, and display currency
Find account-profile controls and understand which settings change reporting, inflation, and interface language.
Manage subscription, payments, and cancellation
View plan status and renewal, open Paddle billing, or return to the Free plan without deleting data.
Navigate Hugo
Find every main area of the app and understand what belongs in each section.
Record account balances, deposits, and withdrawals
Add monthly account entries and provide the cash flows Hugo needs for accurate performance.
Set a financial goal and target
Choose a goal, target amount, measurement basis, currency, and date, then read progress on the Overview.
Understand Cash Runway and Emergency Fund Score
See how cash and savings are compared with monthly expenses and mapped to an emergency-reserve score.
Understand Currency Exposure
Read total, financial, and physical currency weights, exchange-rate charts, and the 0–100 risk score.
Understand dates and monthly records
Learn how Hugo stores one balance or valuation per calendar month and what happens when you enter another value.
Understand Debt Score
See how debt-to-assets, debt-to-income, and balance-weighted interest cost combine into the score.
Understand diversification and institution concentration
Learn how Hugo measures concentration by asset class and separately by bank or broker.
Understand Financial Independence and Years to FIRE
Learn the 25× expenses target, liquid-net-worth basis, savings pace, and return assumptions.
Understand Free and Premium limits
Know the Free-plan limits, what becomes locked after downgrade, and which features may require Premium.
Understand net-worth projections
Read realistic, optimistic, and pessimistic scenarios built from your trailing monthly pace.
Understand Passive Income Coverage and Investment Discipline
See which income counts as passive and how contribution consistency and large withdrawals affect discipline.
Understand Savings Rate, Total Savings Rate, and Investment Rate
Learn how actual deposits, withdrawals, debt paydown, and income produce Hugo’s three saving metrics.
Understand the Financial Health Score
See the six inputs, exact weights, neutral fallbacks, and data-completeness disclosure behind the 0–100 score.
Understand the Overview and net worth
Use the Overview filters and understand net worth, gross assets, liabilities, trends, real growth, and drawdown.
Use goal what-if scenarios and Allocation Drift
Change monthly saving or return assumptions and see where the current asset mix could drift over 24 months.
Use Hugo’s monthly AI recap
Generate, read, and rate the AI commentary created after monthly closing.
Use privacy, theme, notifications, and account controls
Hide financial amounts, switch theme, read notifications, share a referral, manage profile, or sign out.
Use the Cashflow Simulator
Combine real recurring items with temporary what-if income or expenses and test your savings runway.
Use the Performance page
Read MoM, YTD, and YoY return in percent or absolute amount and drill down by institution and account.
Work with currencies and exchange rates
Keep each item in its native currency and understand display currency, historical conversion, and currency risk.
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