Inter-Account Transfers
Sometimes money moves between your own accounts without being spent or earned — paying off a credit card from your debit account, moving cash to a bank, or topping up a wallet. These aren't expenses or income; they're just funds shifting from one pocket to another. Recording them as a regular transaction would inflate your totals and make your reports misleading.
Inter-account transfers let you record exactly this kind of movement. A transfer is a neutral entry that tracks the flow of money from one payment method to another, without counting toward your Money In, Money Out, or Net totals. Your spending charts and budgets stay clean, and each payment method's running balance stays accurate.
Transfers are opt-in and need to be enabled in Settings before the option appears when adding a transaction.
How to record a transfer
- Go to Settings > Inter-account transfers and toggle it on.
- Tap the + button to add a new transaction, then switch to Transfer mode at the top of the form.
- Choose the From payment method — the account money is leaving.
- Choose the To payment method — the account money is arriving in.
- Enter the amount, select the date, and add an optional note if you want a reminder of what this was for.
- Tap Save. A single neutral transfer entry is created.
Where transfers appear
- Transfers are excluded from your Money In, Money Out, and Net totals on the Home screen — they will never inflate those numbers.
- They are also excluded from category spending, charts, and budget calculations.
- You can see transfers in Reports > By payment method. The amount moves out of the From method and in to the To method, so each method's net reflects a true running balance.
A few things to know
- If you turn the setting off later, or your Pro subscription lapses, the Transfer option is hidden when adding new transactions — but existing transfers are never deleted or changed. They remain in your history exactly as recorded.
- You can still view and edit past transfers from your transaction list even when the setting is off.
- Transfers do not count as shared partner spending if you use Partner Mode.
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