gagebu Frequently Asked Questions (FAQ)

Question 1

Can I use gagebu without creating an account?

Accepted Answer

An account is required to safely encrypt your financial records and ensure real-time synchronization across desktop and mobile devices.

In addition to standard ID/password registration, we support Google One-Click Sign-In (OAuth), allowing you to get started in just a few seconds.

Question 2

Is gagebu completely free to use?

Accepted Answer

Yes, gagebu is 100% free forever. Established in 2000, gagebu.co.kr is a trusted personal finance web ledger. All essential features—including income/expense tracking, credit card settlement, monthly analytical reports, and budget planning—are fully accessible without any subscription fees or paywalls.

Question 3

Can I use gagebu on mobile devices or tablets?

Accepted Answer

Yes, gagebu is fully responsive on all mobile devices without app installation. Simply visit gagebu.co.kr in your mobile browser to enjoy a touch-optimized experience. You can also select 'Add to Home Screen' to launch it like an app.

Question 4

How is my personal financial data protected?

Accepted Answer

gagebu follows rigorous security standards to keep your financial records confidential: One-way salted password hashing, HTTPS end-to-end SSL encryption via Cloudflare Full(Strict) certificates, and parameterized prepared SQL queries to eliminate injection vulnerabilities.

Question 5

Can I customize or add my own income and expense categories?

Accepted Answer

Yes, you can fully customize categories to match your lifestyle. In [Settings > Categories], you can add custom subcategories or edit existing ones (such as Food Delivery, Streaming Subscriptions, Pet Care) under standard major categories.

Question 6

Can I customize the monthly settlement cycle (e.g., from my payday) instead of the 1st?

Accepted Answer

Yes. In [Settings > Period Start Date], you can choose any day between the 1st and the 28th as your period start date. For instance, setting payday (25th) aligns your monthly dashboard calendar and financial statements from the 25th of the current month to the 24th of the next month.

Question 7

Can I set and manage monthly spending budgets?

Accepted Answer

Yes, you can establish category-specific spending budgets in [Settings > Budget]. In [Reports > Budget Analysis], your actual expenses are compared against your budget in real time to monitor your budget consumption rate (%) and remaining balance.

Question 8

Does gagebu support Lunar calendar anniversaries?

Accepted Answer

Yes, full Lunar calendar support is built in. Anniversaries registered in the Lunar calendar are automatically converted to their corresponding Solar date for each year and displayed directly on your dashboard monthly calendar.

Question 9

Are English localization and decimal currencies (e.g. USD) supported?

Accepted Answer

Yes, full multilingual and decimal currency support is built in. Easily toggle between Korean and English via the header switcher or in [Settings > Preferences]. You can also enable 'Decimal Point Usage' to handle two-decimal currencies like USD ($) with ease.

Question 10

Does gagebu connect directly to my real bank or credit card accounts?

Accepted Answer

No, gagebu does not connect directly to your real banks or credit card companies. We never collect or store sensitive credentials such as banking passwords, certificates, or logins. You create ledger accounts to track cash flow independently with zero security risk.

Question 11

How does the 'Reflect in Balance' option work?

Accepted Answer

This option determines whether the transaction automatically updates your real account balance. Expenses decrease assets or increase liabilities, while incomes increase assets or decrease debt. For future-dated entries, this option is automatically disabled.

Question 12

How should I record credit card bill payments?

Accepted Answer

Paying a credit card bill is recorded via [Entry > Transfer]. Select your bank account as 'From' and your credit card as 'To'. Your bank balance decreases and your credit card liability decreases accordingly.

Question 13

How do I record savings?

Accepted Answer

Record savings via [Entry > Transfer]. Select your source bank account as 'From', savings account as 'To', and choose 'Savings' as the transaction type. It will be accurately updated in balances and distinguished from regular expenses in monthly reports.

Question 14

How do I record a credit card cash advance?

Accepted Answer

A credit card cash advance is recorded via [Entry > Transfer] from Credit Card to Bank Account/Cash. Credit card liability increases while bank balance increases, keeping your Net Worth completely balanced.

Question 15

How are loans and credit cards calculated in Net Worth?

Accepted Answer

gagebu cleanly distinguishes between assets and liabilities to calculate true Net Worth: Net Worth = (Savings + Cash) - (Credit Cards + Loans). Loan and credit card balances are managed as positive liabilities and automatically subtracted from assets.

Question 16

What reports are available, and can they be downloaded?

Accepted Answer

gagebu provides 6 comprehensive financial reports: Monthly Closing, Monthly Trend, Category Analysis, Category Trend, Budget Analysis, and Card Statement. All reports can be exported as PDF and Excel files or shared directly via mobile apps.

Question 17

How long is my financial ledger data retained?

Accepted Answer

gagebu implements a 3-tier data lifecycle: Recent 3 years in Live DB for daily use, 3 to 8 years in Archive DB downloadable as yearly PDF reports, and over 8 years scheduled for deletion with a grace period until March 1, 2027. Personal notes (g_memo) are permanently preserved.