The transactions you add to the checkbook registers represent your actual spending and income and these will be used to compare to the budgets that you set to see if you are over spending and need to cut expenses and also if you are making enough income to support your spending. For example, you might have two Bank of America checking accounts, two Chase Bank savings accounts, three American Express credit cards, two Citibank credit cards and one Discover credit card for a total of 10 financial accounts. You can track up to 10 financial accounts in any combination in the registers. You can also track your savings accounts.