This represents the sum total of the opening balances of the Primary and Secondary Accounts. (If you are unfamiliar with the principles underlying the use of these accounts, see Introducing the dual accounts model). The balance of the Primary account typically will be the average balance of a checking account (account normally used to pay regular expenses), and the balance of the Secondary account will be the total value of all savings and/or investments.

The value of Initial Funds can be set in two ways:

1. Type a total figure into the Initial Funds text box, and adjust the proportion allocated to each account using the Split spin control:
   The balances, the result of a simple percentage calculation, will appear in the table below .
   
   Note: Because the percentages are whole - i.e. no fractions - it is not easy to set precise figures for the opening balances using this method.

To set the balances more precisely use this second method:

2. Open the setup window (click setup button to the right of the text box) where the opening balances for the two accounts can be set individually.
   
   Note: Subsequent use of the Initial Funds spin control, or the Split control, will cause the balances for the two accounts to again be based on a simple percentage calculation (as in method (i)).