Accounts
Budget supports multiple accounts: checking, savings, and credit cards. Navigate to Accounts in the left sidebar to see the account list.
Account Types
| Type | Notes |
|---|---|
| Checking | Standard debit account |
| Savings | Savings or money market |
| Credit Card | Balance shown as negative (what you owe) |
Adding an Account
Click + Add Account on the accounts page. A card picker lets you choose the account type (with a description of each). Enter a name and opening balance. The opening balance creates an initial transaction that anchors the register.
If you connect your bank via Plaid, Budget captures the account balance at link time and automatically creates a "Starting Balance" transaction after your first sync so the register matches your actual bank balance.
Transaction Register
Click any account in the sidebar or accounts list to open its transaction register.
Columns
| Column | Notes |
|---|---|
| Date | Transaction date |
| Payee | Who you paid or received from |
| Category | Budget envelope for this transaction |
| Memo | Optional note |
| Outflow / Inflow | Amounts separated by direction |
| Status | Uncleared / Cleared / Reconciled (icon only) |
| Balance | Running balance (sorted by date + time) |
Adding a Transaction
Click + Add Transaction or press the button at the top of the register. An accordion row expands inline. Fill in the fields and press Save or hit Enter.
Payee field autocompletes from previously used payees.
Split Transactions
To split a single transaction across multiple categories (e.g., a grocery run that includes both food and household items):
- Open the add/edit transaction row
- Click the Split (scissors) button
- Add category and amount rows — one per category
- A live balance indicator shows the unallocated remainder
- Save is disabled until the split amounts sum to the transaction total
Split transactions show "Split (N categories)" in the category column of the register.
Editing a Transaction
Click any transaction row to expand it inline for editing. Click Save when done, or Cancel to discard.
Deleting Transactions
- Hover a transaction row → click the × button in the balance column
- Or select multiple rows and use the bulk action bar
Multi-Select
| Action | How |
|---|---|
| Select one | Click the checkbox at the start of the row |
| Select range | Shift+click a second row |
| Select non-contiguous | Ctrl+click individual rows |
Selected rows show a floating bulk action bar with options to delete, assign category, mark cleared, or confirm/flag review.
Column Sorting
Click any column header to sort. Three-click cycle: ascending → descending → unsorted.
Status Column
| Icon | Meaning |
|---|---|
| Dash circle | Uncleared (pending) |
| Check circle | Cleared |
| Lock | Reconciled |
Click the icon to cycle between Uncleared and Cleared. Reconciled transactions are locked and cannot be changed without unlocking.
Transfers
Use Transfer (the transfer icon in the toolbar) to move money between accounts. This creates two linked transactions — a debit in one account and a credit in the other. The category is automatically set to the destination account.
Reconciliation
Click Reconcile on any account page to start a reconciliation:
- Enter your bank's current statement balance
- The dialog shows your current app balance and the difference between the two
- If there's a difference, Budget offers to create a Reconciliation Adjustment transaction to close the gap
- Clicking Finish locks all currently cleared transactions as Reconciled
Reconciled transactions cannot be edited, keeping your historical record clean. This workflow works the same whether transactions came from Plaid, a CSV import, or manual entry.
CSV Import
Click Import CSV to import transactions from a bank export:
- Drag and drop or select a CSV file
- Map columns (Date, Payee, Amount/Outflow/Inflow)
- Preview the parsed transactions
- Click Import
Balance Verification Step
After import, Budget shows a balance verification step:
- Your current app balance after the import is shown
- Enter your actual bank balance from your statement
- Budget calculates the difference
- If there's a gap, a Starting Balance adjustment transaction is created to anchor your register correctly
This step is skippable, but anchoring your balance on import prevents compounding errors over time. You can also skip it and reconcile manually later.
Review Inbox
Transactions imported via Plaid that couldn't be auto-categorized appear as needs_review (amber highlight).
The Review Inbox (accessible from the toolbar) shows all pending items with sort and filter options. You can:
- Assign a category
- Confirm (saves the payee → category rule for future imports)
- Flag for follow-up
- Select all + bulk confirm
See Bank Sync for more on the auto-categorization workflow.
Totals Row
The bottom of the register shows a totals row: sum of filtered outflows and inflows. Applies to the current sort/filter state.