Transactions Guide

This guide explains how transaction tracking works in FinyxFin, including income, expenses, transfers, recurring activity, and ways to review your financial history across Apple devices.

📝 Transaction Basics

Learn how to add, edit, delete, and review transactions. Understand how expenses, income, and transfers work in FinyxFin.

ℹ️ Important

FinyxFin is a personal finance organization tool designed to help you track and understand your finances. Calculations, imported data, summaries, projections, and classifications should be reviewed before relying on them for financial, tax, accounting, or legal purposes.

🎬 Watch the Video Tutorial

See transaction basics in action with our step-by-step walkthrough.

▶️ Watch: Transactions – Basics

💸

Expenses

Track money going out of your accounts

💰

Income

Record money coming into your accounts

🔄

Transfers

Move money between your own accounts

📊

Net Flow

See your overall financial movement

Opening the Transactions Screen

Open the Transactions section from the sidebar. This is your main financial activity hub where all transactions are displayed.

At the top of the screen, you'll see filters to view transactions by date, year, or specific time ranges. The summary shows your net flow, total income, total expenses, and transfers.

Adding an Expense

Click Add

Open the Add Transaction screen from the Transactions view

Select Expense

Choose Expense from the three options (Expense, Income, Transfer)

Choose Account

Select the account the money is deducted from

Enter Amount & Category

Enter the amount and optionally select a category (defaults to "Other")

Save

Attach a receipt if needed, then tap Add to save

💡 Custom Categories

If you don't see the category you need, you can create custom categories directly from the category selection screen.

Adding Income

Adding income follows the same process as expenses:

Click Add → select Income
Choose the account where money is deposited
Select a category (e.g., Salary, Side Project)
Tap Add to save

The net flow at the top automatically updates to reflect the difference between income and expenses.

Creating Transfers

Transfers move money between two of your own accounts — for example, from checking to savings.

Select Transfer

Choose Transfer from the Add Transaction screen

Choose Accounts

Select the source account (money from) and destination account (money to)

Complete Transfer

Enter the amount and tap Transfer

🔗 Automatic Linking

Transfers automatically create two linked records: one expense entry from the source account, and one income entry in the destination account.

Multi-Select & Bulk Actions

Select multiple transactions at once to perform bulk actions:

Change categories for multiple transactions
Update notes across selected items
Link to loans or goals in a single step
Delete multiple transactions

This is especially useful after importing bank transactions when you want to link them to loans or goals together.

Viewing Transaction Details

Click on any transaction to see its full details: amount, account flow, category, date, and all related information. For transfers, you'll see both the source and destination accounts clearly indicated.

ℹ️ Three Places to View Transactions

Transactions can be viewed from: (1) the main Transactions screen — all transactions across all accounts; (2) inside individual Account Detail — account-specific ledger with type filter; (3) Investment Detail → Transactions tab — per-holding history of buys, sells, and dividends.

📈 Investment Transactions Are Different

Buy and sell transactions created in the Investments module do not appear in the main Transactions screen — they are asset conversions (cash ↔ holdings), not income or expenses. To see them, open the relevant Brokerage Account → Account Detail and filter by Type → Investment. Dividend transactions do appear in the main screen as Income since they add cash to your account. See the Investments guide for details.

🔄 Recurring & Future Transactions

Automate repeated expenses and plan upcoming transactions to keep your finances on track.

🔁

Recurring

Automatically repeat transactions on a schedule

📅

Future-Dated

Schedule transactions for upcoming dates

📋

Schedule View

See all upcoming and recurring items

⚡

Auto-Post

Cleared transactions post automatically

Creating a Recurring Transaction

Open Recurring Transactions

From the sidebar, open the Recurring Transactions section

Click Add

Create a new transaction (Expense, Income, or Transfer)

Enter Details

Choose account, enter amount, and select or create a category

Enable Recurring

Toggle on "Recurring Transaction" to set up the schedule

Set Frequency

Choose daily, weekly, bi-weekly, monthly, yearly, or custom

Optional End Date

Set when the recurrence should stop (or leave open-ended)

⚠️ Important Rule

Recurring transactions are always set to Cleared status. They cannot be marked as pending — this ensures they post automatically when the scheduled date arrives.

The Schedule Screen

The Schedule screen (accessible from the sidebar) has two tabs — Upcoming and Recurring. See the Schedule View section below for a complete breakdown.

Editing Recurring Schedules

You can edit or delete an individual occurrence directly from the Transactions screen. However, to change the recurring schedule itself (frequency, end date), you must:

Open Schedule from the sidebar
Go to the Recurring section
Edit the recurrence pattern, view next run date, or disable the schedule

📋 Recurring Edit Rules

When editing a recurring bill or transaction, FinyxFin follows specific rules to ensure your data stays accurate:

Edit Single Occurrence

Changes apply only to the selected instance:

If you change fields other than the recurring cycle (amount, category, notes, etc.), only that single instance is updated. The recurring schedule and other instances remain unchanged.
If you change the recurring cycle, this instance becomes a template for a new series. The original series continues separately.

Change This and All Future

Changes apply to current and all future instances:

If you change fields other than the recurring cycle, those fields update for this and all future instances. Past instances remain unchanged.
If you change the recurring cycle (e.g., daily → monthly), the system adjusts all current and future instances accordingly — deleting extra instances or creating new ones as needed.

Past Due Date Handling

If the due date starts from the past, FinyxFin automatically generates all missing instances up to the current date, ensuring your history is complete.

📌 Example: Changing Daily to Monthly

If you have a daily recurring transaction and change it to monthly using "Change This and All Future", FinyxFin will remove the extra daily instances and create a single monthly instance going forward.

Edit Type	Non-Cycle Changes	Cycle Changes
Single Occurrence	Updates only this instance	Creates new series from this instance
This & Future	Updates this + all future instances	Adjusts all future instances to new cycle

💡 Auto-Generation

When a recurring item has a past start date, instances are automatically generated up to the current date. This ensures you never miss tracking historical occurrences.

Creating Future Transactions

Future transactions are one-time transactions scheduled for a later date:

From Schedule screen, click Add Transaction
Enter transaction details
Set a future date
Save the transaction

💡 Cleared vs Pending

If marked as Cleared, the transaction will automatically post on that date. If marked as Pending, it will remain pending until you manually clear it.

📊 Balance Impact

Future transactions do NOT affect net flow, income, or expenses until they are posted. View them in Schedule → Upcoming or by applying a filter in the Transactions screen.

Deleting Recurring Occurrences

When you delete a recurring transaction from the Transactions screen:

Only that single occurrence is removed
The recurring schedule itself remains active
The next scheduled transaction will still be generated

To stop all future occurrences, disable the schedule from the Schedule → Recurring section.

Converting Future Transactions

Want a future transaction to post immediately? Edit the transaction and change the date to today. Once saved, it appears in the regular transaction list and updates your balances.

📅 Schedule View

The Schedule screen is your central hub for everything time-based — it shows future and pending transactions alongside all active recurring schedules for transactions and bills. Open it from the sidebar at any time.

🔮

Upcoming Tab

Future-dated and pending transactions waiting to be posted

🔁

Recurring Tab

All active recurring bills and transaction schedules

⚡

Auto-Generation

Transactions are created automatically when their due date arrives

🔔

Reminders

Get notified days before a recurring item is due

Upcoming Tab

The Upcoming tab shows two collapsible groups:

Group	What It Contains
Future	Transactions with a future date (cleared status) — will auto-post on that date
Pending	Transactions marked as Pending — won't post until you manually clear them

ℹ️ Future vs Pending

A future-dated cleared transaction posts automatically when its date arrives. A pending transaction sits here until you open it and mark it as cleared — it never auto-posts on its own.

Recurring Tab

The Recurring tab groups active schedules into two sections:

Section	What It Contains
Recurring Bills	Active bill schedules with a recurring frequency set
Recurring Transactions	Active expense, income, and transfer schedules

Each row in the Recurring tab shows:

Name and type icon (color-coded by type)
Frequency — e.g., "Monthly", "Every 2 Weeks"
Next due date
Amount
Reminder indicator — bell icon with days-before (e.g., "3d") if a reminder is set

Scheduled Item Types

Five types of items can have recurring schedules:

📄

Bill

A recurring bill (rent, insurance, subscriptions). Shown under Recurring Bills.

💸

Expense

A recurring spending transaction (gym membership, coffee subscription).

💰

Income

A recurring income transaction (salary, freelance retainer, rental income).

🔄

Transfer

A recurring transfer between your accounts (automated savings sweep).

📊

Budget Reminder

A scheduled reminder tied to a specific budget — no transaction is created, just a notification.

Recurrence Frequencies

When setting up a recurring schedule, choose from these standard patterns:

Frequency	Description
Daily	Repeats every day
Weekly	Repeats every 7 days
Every 2 Weeks	Bi-weekly
Every 3 Weeks	Every 3 weeks
Every 4 Weeks	Every 28 days
Monthly	Same day each month
Every 2 Months	Bi-monthly
Quarterly	Every 3 months
Semi-Annually	Every 6 months
Yearly	Once a year
Custom	Advanced pattern builder (see below)

Custom Recurrence

Selecting Custom opens a full recurrence builder similar to Apple Calendar. You can configure:

📆

Daily

Repeat every N days (e.g., every 3 days).

🗓️

Weekly

Repeat every N weeks and pick specific days (Mon, Wed, Fri, etc.).

📅

Monthly

Two modes: Each (specific day numbers like the 1st and 15th) or On the (positional, e.g., "first Monday", "last Friday").

🗃️

Yearly

Select specific months and optionally use a positional pattern (e.g., "second Tuesday of March").

End conditions for custom schedules:

Never — Repeats indefinitely
On Date — Stops on a specific end date you choose

How Auto-Generation Works

FinyxFin automatically creates the actual transaction or bill record when a scheduled item comes due. You don't need to open the app for this to happen.

Background Check

The app runs a background task approximately every 4 hours and checks every active scheduled item.

Due Date Reached

If an item's next due date is today or in the past, the system creates the real transaction or bill automatically.

Next Occurrence Scheduled

Once generated, the next due date is calculated and set based on the recurrence frequency.

Transaction Posted as Cleared

The auto-created transaction is marked as Cleared and immediately affects your account balance and reports.

⚠️ Recurring = Always Cleared

All recurring transactions are posted with Cleared status. They cannot be set to Pending — this ensures they are automatically applied to your balances on schedule.

Managing Scheduled Items

From the Recurring tab, tap any row or swipe left (iPhone/iPad) or right-click (Mac) for these actions:

Action	What It Does
Edit	Opens the edit screen. All changes apply to future occurrences only — past instances are never modified.
Stop	Deactivates the schedule permanently. No more future transactions will be generated. Past instances remain unchanged.

💡 Stopping vs Deleting

Stopping a schedule deactivates it — no new transactions will be created, but all previously generated transactions remain in your history. Deleting an individual transaction from the Transactions screen does not stop the schedule; future occurrences continue to generate normally.

Backfill — Recovering Missing Instances

If you edit a schedule and move the next due date backward to an earlier date, FinyxFin detects the gap and offers to create the missing instances retroactively.

📌 Example

You have a monthly "Rent" schedule with next due date April 1. You realize you forgot to set it up in January. Move the next due date back to January 1 and FinyxFin will offer to create the 3 missing monthly instances (Jan, Feb, Mar) for you.

Reminders

Each scheduled item can have a reminder notification sent a configurable number of days before the due date.

Reminder Days: Set how many days before the due date you want a notification (1–30 days, default is 3 days)
Enable/Disable: Toggle reminders on or off per scheduled item independently
Apple Reminders Sync: If enabled in Settings, reminders can also sync to Apple's Reminders app

ℹ️ Notification Actions

For bill reminders, the notification includes quick-action buttons: Mark as Paid and Remind Later — so you can act directly from the notification without opening the app.

🔗 Linked Entities

Connect transactions to bills, loans, goals, and credit card bills for automatic tracking and balance updates.

🎬 Watch the Video Tutorial

See how linking transactions keeps your bills, loans, and goals accurate.

▶️ Watch: Linked Entities

What Are Linked Entities?

Linked entities connect your transactions to:

Bills — Track bill payments and partial payments
Loans — Reduce loan balances automatically
Goals — Track contributions toward savings goals
Credit Card Bills — Record credit card payments correctly

✅ Benefits of Linking

When you link transactions: Bills update automatically, loan balances reduce correctly, and goal progress stays accurate — no manual updates needed.

Linking a Regular Bill

Go to Transactions

Open the Transactions screen and click Add

Select Expense

Choose Expense as the transaction type

Enable Link This Transaction

Toggle on the linking option

Select Bill

Choose the regular bill to link to

Enter Amount & Save

Enter full or partial payment, choose account, and save

Result: The expense is created, the bill balance updates, and status changes to Partial or Paid based on the payment amount.

Linking Credit Card Bills

⚠️ Credit Cards Are Different

Credit card bill payments must be linked using Transfer, not Expense. Credit card payments are never treated as expenses — they're moving money from one account to pay off another.

Add Transaction → Transfer

Select Transfer as the transaction type

Enable Link This Transaction

Toggle on linking

Select Credit Card Bill

Choose the credit card bill from the list

Save

Complete the transfer to record the payment

Linking Loan Payments

Single Transaction:

Add a transfer (from payment account to loan)
Enable "Link This Transaction"
Select the loan
Payment reduces loan balance automatically

Bulk Linking (for imported transactions):

Select multiple expense transactions in the Transactions screen
Click Link to Entity
Select the loan
Confirm

✅ Bulk Link Result

Transactions are converted into loan payments, and the loan history updates automatically with all linked payments.

Bill Amount Adjustments

If a linked transaction amount differs from the bill amount, FinyxFin will prompt you to update the bill. User confirmation is required before any bill amount changes.

Where Linking Is Available

Screen	Linking Available
Transactions	✅ Yes — Full linking support
Account Detail	❌ No — View and delete only

ℹ️ Current Limitation

Linking transactions to loans or goals is only available from the main Transactions screen, not from individual account views. This behavior may evolve in future updates.

❓ Frequently Asked Questions

Q: What's the difference between pending and cleared transactions?

Cleared transactions are finalized and affect your balances immediately. Pending transactions are placeholders that don't impact balances until cleared. Recurring transactions are always cleared.

Q: Can I change a recurring transaction's frequency after creating it?

Yes, but not from the Transactions screen. Go to Schedule → Recurring to edit the frequency, end date, or disable the recurring schedule entirely.

Q: Why can't I link transactions from the account detail view?

Linking is currently only available from the main Transactions screen to ensure proper validation and entity selection. You can select, view, and delete transactions from account views, but linking requires the main screen.

Q: Do transfers count as expenses?

No. Transfers move money between your own accounts and don't affect your total expenses or income — they're tracked separately in the net flow summary.

Q: How do I stop a recurring transaction?

Go to Schedule → Recurring, find the transaction, and disable or delete the schedule. Deleting individual occurrences from Transactions doesn't stop future ones.

Q: Why should credit card payments be transfers, not expenses?

When you pay a credit card bill, you're moving money from your bank account to pay off debt — not spending money. The actual expenses were already recorded when you made purchases with the card.

Q: Can I link one transaction to multiple entities?

No, each transaction can only be linked to one entity (bill, loan, or goal). If you need to split a payment, create separate transactions.

Q: What happens if I delete a linked transaction?

The linked entity (bill, loan, or goal) will be updated to reflect the removed payment. Bill status may revert, loan balance increases, or goal progress decreases accordingly.

Q: How do future transactions affect my reports?

Future transactions don't appear in reports or affect balances until their scheduled date arrives (if cleared) or until you manually clear them (if pending).

Q: Why don't my stock buy/sell transactions appear in the main Transactions screen?

Investment buy and sell transactions are asset conversions — you're exchanging cash for shares (or vice versa) — not income or expenses. They're intentionally kept out of the main screen to avoid distorting your income/expense reports. To view them, open your Brokerage Account → Account Detail and use the Type filter → Investment. Dividends (which are true income) do appear in the main Transactions screen as Income transactions.

Q: How do I import transactions from my bank?

FinyxFin does not connect to banks or brokerages directly — all data is entered manually or imported via CSV. Go to Transactions → Import CSV to upload a CSV file exported from your bank. For investment history, use the CSV import in the Investments module. See the Investments guide for the CSV column format.

💬 Need Help?

📧 Contact Support

Email us at: [email protected]

Include "Transactions" in your subject line for faster assistance.