Member balance

What it is

Your member balance is a running total of everything charged to you and everything credited to you in a single syndicate. It is the signed sum of every transaction on your ledger: usage charges, event charges, shortfalls, periodic dues, maintenance expense splits, expense credits, recorded payments, manual adjustments, and reversals.

A positive balance means you owe the syndicate money. A negative balance means the syndicate owes you.

Each syndicate you are a member of has its own balance. My Balances on the home shell shows all of them in one place.

Who can use it

Member — reads their own balance.
Owner, admin, treasurer — reads every member’s balance; records manual payments, adjustments, and reversals.

Where to find it

Member balance (one syndicate): /syndicates/:syndicateId/my-balance.
My Balances (all syndicates): tab on the home shell.

Fields / options

The balance screen shows:

Element	What it shows
Balance	Current balance in the syndicate’s currency. Debits positive, credits negative.
Pending	Amount attributable to completed bookings that have not yet been finalised. Informational only — does not affect the stored balance.
Balance trend / sparkline	Small chart of the balance over recent transactions.
Transactions	Ledger entries, newest first, grouped by month. Each row carries type, amount, date, description, and a link to the related booking or expense where applicable.

Behaviour rules

The balance is computed from the ledger on read. It is not a separately stored number. This is why a reversal is visible the moment it is posted: there is no cache to invalidate.
Debits (you owe): usage charges, event charges, minimum shortfall, periodic dues, maintenance expense splits, and positive manual adjustments.
Credits (you are owed or you have paid): expense credits, recorded payments, reversals, and negative manual adjustments.
The pending figure counts charges that will land once an admin finalises the relevant bookings. It does not include recurring dues that are due in future periods.
A negative balance is a real position — the syndicate owes you money. You can carry that forward against future charges, or the admin can record a payment out to you (and it will be posted as a recorded payment in the opposite direction).
Your balance is visible to admins for oversight and treasurer purposes. It is not visible to other members.
All amounts are in the syndicate’s currency and are shown without VAT.

Member funds and your balance

A member can also hold one or more funds alongside the running balance: a loan to the syndicate, an admin-issued goodwill credit, a deposit, a prepayment held against a known future charge, or a refund taken as credit instead of cash. Each fund is a separate pool with its own remaining balance.

Funds and the running balance are computed independently. Funds do not add to or subtract from the balance directly — instead, when an auto_offset fund is in place, future charges are settled by drawing from the fund (an offset settlement) rather than landing on the running balance as unpaid debits. The ledger record of the original charge still posts; what changes is that it is immediately marked as settled.

The kinds of fund (loan, goodwill credit, refund-as-credit, deposit, prepayment), how they are issued, when they expire, and how cash-out (disbursement) works are documented in their own reference page once the member-facing UI lands.

Status: backend live, UI pending. The fund schema, balance arithmetic, and offset triggers ship in v1.0.16. Member-facing UI for viewing fund balances and admin UI for issuing loans/credits/disbursements is still in development. Until that lands, fund balances are visible in the database but not surfaced on the My Balance screen.