Accounts & Transactions

New synced transactions appear in blue on the Transactions page. Review them so categories (and any platform splits) look right.

Ways to clear the “new” state:

1. Click the blue dot on a row.
2. Change the category.
3. Click Mark All Viewed.
4. Split a transaction.

Filter with Review in the blue bar or New Only in Transaction Status filters.

Manual accounts: On Accounts, choose Add Account → Add Manual Account to create an asset or liability. Balances update only when you edit them.

Manual transactions: On Transactions, use Add to enter a row on a manual account. Remove manual rows from the row actions menu (three dots). Synced Plaid transactions cannot be deleted; categorize them accurately or use Excluded from P&L categories when they are transfers or passthroughs.

Manual accounts are also useful for historical CSV imports that sit beside (not on top of) your live Plaid accounts.

On the web Transactions page, open Add → Upload CSV (not available on mobile). Import targets a manual account.

Column basics:

• Required: Date, Merchant, Outflow, Inflow (merchant aliases such as Description/Payee may be accepted).
• Optional: Category — matched case-insensitively to your existing Business categories. Unmapped names fall back to Other & Uncategorized; the import does not create new categories.
• Business date floor: transactions before 2020-01-01 are rejected. Large files are capped (about 10,000 rows).

Avoid double-counting: Do not CSV-import the same date window already covered by a Plaid account into a parallel manual account. Prefer a “Historical — {bank}” manual account for pre-Plaid years, or only upload rows older than your earliest Plaid transaction for that institution.

BudgetBadger Business does not use Personal’s Hide from Budgets & Trends toggle. To keep activity out of operating results, categorize it under the Excluded from P&L group (Transfers, Credit Card Payments, Sales Tax Collected) or another accurate Business category.

Use Excluded from P&L for owner draws between personal and business accounts, card payments that would otherwise double-count spending, and sales tax you collect to remit. One-off noise that is still a real business expense usually belongs in the right operating category rather than being hidden.

Match Bank Statements is an optional Business feature (separate from platform payout matching). Enable it in Settings with the Match Bank Statements toggle (Scale icon). When on, open Match to run the wizard.

Scope (v1):

• Plaid-linked checking, savings, and credit accounts only (manual accounts are out of scope).
• Enter statement start/end dates and opening/closing balances.
• Check off posted transactions until the difference is $0, then complete. Save a draft if you need to finish later.
• Credit cards use liability polarity (enter balances as shown on the statement).
• A Scale icon on reconciled transaction rows lets you unreconcile if needed.

Accounts show a display-only Last reconciled status. This flow confirms your bank statement; it does not replace Stripe/Etsy/Shopify/Amazon payout matching on Integrations.