⚖️Organizing transactions

Organizing your eggs.

Finch gives you control over how your transactions appear so your spending insights reflect reality. You can hide or show specific transactions to avoid double-counting, and you can assign transactions to budgets so you can track where your money is going.

Setting a Budget for a Transaction

Budgets in Finch help you see where your spending is going and how it compares to your goals. Once you’ve created a budget, you can assign transactions to it directly from the transaction view.

For example, if you have a “Dining Out” budget and you log a restaurant charge, you can assign that transaction to the Dining Out budget. This way, Finch includes it in your budget tracking, making it easier to see how close you are to reaching your limit for the month or year.

Assigning transactions to budgets regularly will give you the most accurate insights and help you make informed decisions about adjusting your budget over time.

Hiding or Showing Transactions

When you connect accounts via Open Banking, certain transfers between your own accounts can appear twice — once as a withdrawal from one account and once as a deposit into another. The same thing can happen when you make a credit card payment, where the payment is counted as an expense from your bank account and the corresponding credit is added to your credit card account.

This can inflate your total spending in insights, even though it’s just money moving between your own accounts. To fix this, Finch lets you hide transactions that aren’t meaningful for your spending view.

For example: If you transfer £500 from your checking account to your savings account, Open Banking may import this as:

• £500 withdrawal from Checking

• £500 deposit into Savings

If both are shown in your spending insights, it looks like you spent £500, which isn’t accurate. In this case, you could hide both of these transactions so they don’t affect your spending totals.

We recommend only hiding transactions in pairs — one expense and one credit — so your balances remain accurate while removing the noise from your spending data.