> ## Documentation Index
> Fetch the complete documentation index at: https://kb.manage.management/llms.txt
> Use this file to discover all available pages before exploring further.

# Finances for Homeowners

> Understanding your service charges, invoices, and payments

## Your Money View

The finance area for homeowners is simple and transparent. It shows what you owe, what you have paid, and how service charges are calculated — without exposing the full management accounting tools.

## What you can see

<CardGroup cols={2}>
  <Card title="Current balance" icon="wallet">
    Your outstanding service charge position for the selected property
  </Card>

  <Card title="Invoices" icon="file-invoice">
    A list of outstanding invoices with amounts and due dates
  </Card>

  <Card title="Payment history" icon="history">
    Past payments you have made, with dates and references
  </Card>

  <Card title="Annual accounts" icon="bar-chart-2">
    The building's shared financial records for the current and previous years
  </Card>

  <Card title="Major works" icon="hammer">
    Section 20 notices and major works cost breakdowns when applicable
  </Card>

  <Card title="Service charge breakdown" icon="pie-chart">
    How your service charge is split across maintenance, insurance, management, and reserve fund
  </Card>
</CardGroup>

## How to pay

<Steps>
  <Step title="Open Finances">
    Navigate to **Finances** from your sidebar or dashboard.
  </Step>

  <Step title="Review your invoices">
    Check the outstanding invoices list for any payments due.
  </Step>

  <Step title="Select an invoice to pay">
    Tap the invoice you want to settle.
  </Step>

  <Step title="Complete payment">
    Follow the payment flow. The platform supports card payments, Apple Pay, Google Pay, and Open Banking where enabled.
  </Step>
</Steps>

## Understanding service charges

Service charges cover the day-to-day running of your building. Typical categories include:

| Category     | What it covers                                   |
| ------------ | ------------------------------------------------ |
| Maintenance  | Repairs, cleaning, gardening, and routine upkeep |
| Insurance    | Building insurance premiums                      |
| Management   | Management company or agent fees                 |
| Reserve fund | Savings for future major works and emergencies   |
| Utilities    | Communal electricity, water, and heating         |

If you have questions about how charges are calculated, use the **Issues** area to raise a financial query, or speak to your director or management company.

## Tips

<CardGroup cols={2}>
  <Card title="Pay on time" icon="clock">
    Avoid late payment fees and keep your account in good standing
  </Card>

  <Card title="Check the breakdown" icon="list-checks">
    Review the service charge breakdown to understand where your money goes
  </Card>
</CardGroup>