Question 1

How does a split transaction count in my budget?

Accepted Answer

Each line counts in its own category: budget progress, category spending, analytics, and overspending alerts all use the line amounts. The account balance and your total income and spending still use the one full amount. When you open a category's transactions, a split row shows only that category's part, such as $90.00 of $150.00, and searching for a line's category or note finds the transaction.

Question 2

Can I split a transfer?

Accepted Answer

No. Only expenses and income can be split. A transfer moves money between your own accounts, so it never counts toward a budget category and has nothing to divide. Savings goal allocations cannot be split either.

Question 3

What happens when my bank changes the amount of a split transaction?

Accepted Answer

Nethaven moves the difference to the largest line. If that line cannot absorb it without dropping to zero, every line shrinks or grows in proportion instead. Lines and notes are kept, and the transaction goes back to review so you can check it. In the mobile app, open it from review and tap Looks right, or tap Edit split to move the difference yourself. If the new amount is too small to share across the lines, such as $0.00, the transaction returns to a single category, the one from its largest line.

Question 4

Why can't I change the budget of a split transaction?

Accepted Answer

Every line uses a category from the transaction's budget with the same type, expense or income. Changing the budget or the type would leave lines in categories that no longer fit, so both fields are locked while the transaction is split and show Unsplit to change. Unsplit it, change the budget or type, then split it again with categories from the new budget.

Question 5

How do I undo a split?

Accepted Answer

In the mobile app, open the transaction, tap Unsplit, choose the category that keeps the full amount (the largest line is preselected), and tap Unsplit again. On the web, open the transaction and select Unsplit next to Category. The largest line's category is selected, and you can change it before you select Save changes. On both web and mobile, any line notes move into the transaction note, so nothing you wrote on a line is lost.

Question 6

Do split transactions show up in my CSV export?

Accepted Answer

Yes. The transactions export from Settings > Export data on the web writes one row per line, so the $150.00 Costco receipt becomes three rows of $90.00, $40.00, and $20.00 with the same date, merchant, and account. A Split column marks the rows 1/3, 2/3, and 3/3, and the Amount column still adds up to the bank total.

Split a transaction across categories

Desktop web walkthrough

Select Split next to Category

Fill in each line

Save when it shows Fully assigned

Check the table

Common questions

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