Transactions

To record something by hand:

1. Tap the + button and choose Transaction.
2. Enter the Name. Suggestions appear from your own history as you type, so a merchant you have recorded before takes two keystrokes.
3. Enter the Amount. Enter it as a positive number either way; the category decides whether it counts as money in or money out.
4. Pick a Category. Cadence pre-selects its best guess from the name you typed, so check it rather than assuming it is blank.
5. Pick a Budget, if the category is a spending one. Leave it on Unbudgeted to keep the transaction out of your budget totals.
6. Set the Date, add Notes if you want them, and tap Add.

The Budget field disappears on anything that is not spending. A Transfer, an Investments transaction or an income category has nothing to budget against, so Cadence hides the field rather than letting you set one that would be ignored. See Categories for which categories keep it.

Tap any transaction to open its detail view. Four fields are editable straight from that view without going any further: Category, Date, Source and Notes. Tap one, change it, and it saves on its own.

For the rest, tap Edit. That opens the same form you filled in when you created it, including the name, the amount and the budget. Tap Save when you are done.

A transaction that came from your bank is yours to organise but not to rewrite. Cadence keeps the bank’s record of what happened intact so your history still matches your statement.

• Yours to change - category, budget, notes, splits, and any link to a bill, a goal or an expense.
• The bank’s - the amount, the date and the account. If one of those is wrong, it is wrong at your bank.

Merchant names are tidied for display, so a row reading SQ *THE COFFEE BAR 004 at your bank shows as something you can read here.

A charge your bank has authorised but not yet settled arrives as pending. Cadence counts it in your budgets right away rather than waiting, so what you see reflects money that has effectively gone.

When it settles, the pending row is replaced by the final one rather than sitting beside it, and the amount can move slightly - a restaurant tip or a fuel pump pre-authorisation is the usual reason. Settlement normally takes one to three business days.

Open the transaction and tap Delete. Where it goes depends on where it came from:

• A transaction you added yourself moves to Recently Deleted and can be restored for 30 days.
• A synced transaction deleted on its own is also recoverable, but the same one deleted as part of a multi-select is not.

See Trash & Restore for the full recovery rules, and Bulk Editing before you delete a batch.

The detail view is also where a transaction gets connected to the rest of your setup:

• Split it across several budgets when one purchase covered more than one thing. See Splitting Transactions.
• Link to Expense on a refund or reimbursement, to net it off the original purchase.
• Link to Goal on a Transfer or Investments transaction, to count it as a contribution.
• Link to Recurring Bill or Create Recurring Bill, to tie a charge to a bill you track - or turn it into one.