Splitting Transactions
One receipt, several budgets, without inventing extra transactions.
Updated
When a Split Is the Right Tool
Use one when a single payment genuinely covered two different things:
- A supermarket run that was half groceries, half cleaning supplies.
- A department store receipt covering clothing and a gift.
- A hardware shop trip split between a repair and a hobby project.
- A joint bill where part of it belongs to a different budget.
If money is coming back to you rather than going out in two directions, you want Reimbursements & Refunds instead.
Splitting a Transaction
- Open the transaction and tap Edit.
- Tick the Split checkbox beside the Budget field. The first split line appears on its own.
- Choose a budget for that line and enter the portion it takes.
- Tap Add split for each further line, giving each one a budget and an amount.
- Leave the last portion alone. The primary budget - the one already on the transaction - automatically absorbs whatever is left over.
- Tap Save. The splits save with the transaction; there is no separate confirmation.
Because the primary budget takes the remainder, you only ever have to enter the amounts you are moving out of it. A $120 shop where $30 was cleaning supplies needs one split line of $30, not two lines adding to $120.
Split lines cannot exceed the transaction
If your lines add up to more than the transaction is worth, Cadence flags it as over-allocated and the remainder for the primary budget would be negative. Reduce a line until the total fits.
Editing or Undoing a Split
Open the transaction and tap Edit again. From there you can:
- Change the amount or budget on any split line.
- Add another line.
- Remove a single line. Its amount returns to the primary budget.
- Remove every line, which switches the split off entirely and puts the full amount back on the primary budget.
Save when you are done, the same as any other edit.
How a Split Shows Up Elsewhere
- In your budgets - each budget counts only its own portion, so the totals add up to the one transaction.
- In your transaction list - one row, at its full amount, marked as split. Splits never create separate transactions.
- In reports - the portions are counted against their own budgets, so the breakdown reflects the split rather than the primary budget alone.
When Splitting Is Not Offered
Splitting needs per-category budgets to split between, so the option is missing in two situations:
- While WorryFree is switched on, where one discretionary limit replaces the individual budgets a split would target.
- On a transaction with no budget to begin with - a Transfer, an Investments transaction, or one on an income category.