Transactions

Sure automatically imports and categorizes your transactions, making it easy to understand where your money goes. Review, edit, and organize transactions to get accurate insights into your spending and income.

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Viewing Transactions

The Transactions page shows all financial activity across your accounts:

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Transaction List

Each transaction displays:

• Name - Merchant name or transaction description
• Category - Spending or income category (Groceries, Salary, etc.)
• Amount - Transaction amount in the original currency
• Date - When the transaction occurred
• Account - Which account the transaction belongs to
• Tags - Custom labels for additional organization
• Status - Pending or posted

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Filtering & Search

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Transaction Types

Sure recognizes different transaction types:

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Standard Transactions

Regular income and expenses like groceries, salary, utilities. These are included in budget analytics.

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Transfers

Money moved between your accounts (checking to savings). Excluded from expense reports to avoid double-counting.

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Credit Card Payments

Payments from checking to credit card accounts. Excluded from budgets since the original expenses are already counted.

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Loan Payments

Payments toward mortgages, auto loans, student loans. Treated as expenses in budgets.

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Investment Contributions

Transfers to investment or crypto accounts. Treated as expenses from a budgeting perspective.

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One-Time Transactions

Large, irregular expenses (home purchase, insurance refund) that you want to exclude from spending trends.

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Creating Transactions

Add manual transactions for cash purchases or adjustments:

1. Click New Transaction
2. Select the account
3. Fill in details:
   • Name - Transaction description
   • Amount - How much (positive for expenses, negative for income)
   • Date - When it occurred
   • Category - Spending or income category
   • Merchant (optional) - Link to merchant for better categorization
   • Tags (optional) - Add custom labels
   • Notes (optional) - Additional context
4. Save the transaction

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Editing Transactions

Click any transaction to edit:

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Quick Edit

Change common fields directly from the list:

• Category
• Name/description
• Tags
• Amount (manual transactions only)

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Full Edit

Open the transaction detail view to edit:

• All basic fields
• Notes and attachments
• Transaction type (standard, transfer, etc.)
• Investment activity label (for transactions in investment accounts)

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Categorization

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Automatic Categorization

Sure automatically categorizes imported transactions using:

• Merchant matching - Recognizes common merchants and applies categories
• AI enrichment - Uses OpenAI to analyze transaction names
• Rule-based - Applies your custom rules to match patterns

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Manual Categorization

1. Click on a transaction
2. Select a category from the dropdown
3. Sure suggests creating a rule to auto-categorize similar transactions

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Categories

Common expense categories:

• Groceries
• Dining & Restaurants
• Transportation
• Utilities
• Entertainment
• Shopping
• Healthcare
• Insurance
• Housing
• Travel

Common income categories:

• Salary
• Freelance/Contract
• Investments
• Gifts
• Refunds

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Transaction Matching & Duplicates

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Pending vs Posted

Many banks report transactions twice:

1. Pending - Transaction is processing but not yet settled
2. Posted - Transaction has cleared and settled

Sure detects potential duplicates and shows a banner:

• Merge - Keep the posted transaction, remove the pending one
• Keep Both - Dismiss the suggestion if they’re actually different

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Duplicate Detection

Sure matches pending and posted transactions by:

• Similar amounts (within a small tolerance)
• Similar dates (within a few days)
• Same account
• Similar merchant names

Confidence levels:

• High - Very likely the same transaction (auto-suggested)
• Medium - Probably the same (suggested for review)
• Low - Possibly the same (shown for manual review)

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Transfers Between Accounts

When you move money between your accounts:

1. Create a transfer transaction in the source account (outflow)
2. Create a matching transaction in the destination account (inflow)
3. Link them together so Sure recognizes it as a transfer

For linked accounts, Sure auto-detects transfers. For manual accounts, you can:

• Mark a transaction as a transfer
• Select the matching account and transaction
• Sure excludes both from expense totals

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Recurring Transactions

Track expected recurring transactions:

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Mark as Recurring

1. Right-click a transaction (or open the menu)
2. Select Mark as Recurring
3. Sure creates a recurring template based on:
   • Merchant or description
   • Amount
   • Frequency (detected from past transactions)

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Projected Transactions

The transaction list shows upcoming expected recurring transactions for the next 10 days, helping you:

• Anticipate upcoming bills
• Spot missed recurring transactions
• Plan cash flow

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Investment Transactions

For transactions in investment accounts, you can:

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Convert to Trade

Convert a regular transaction to a buy/sell trade:

1. Click Convert to Trade
2. Enter trade details:
   • Security (ticker symbol)
   • Quantity or price (Sure calculates the other)
   • Buy or Sell
3. Sure creates a trade record and excludes the original transaction

This is useful when:

• Your brokerage imports trades as generic transactions
• You manually entered a transaction but need it tracked as a trade
• Provider didn’t include security details

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Activity Labels

Transactions in investment accounts can have activity labels:

• Buy, Sell
• Dividend, Interest
• Fee
• Transfer, Contribution, Withdrawal
• Sweep In, Sweep Out (cash management)

These labels help categorize investment activity in reports.

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Transaction Rules

Automate categorization with rules:

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Creating Rules

When you categorize a transaction, Sure offers to create a rule:

1. Edit a transaction and change its category
2. Click Create Rule in the notification banner
3. Configure the rule:
   • Condition - Merchant name, description pattern, amount range
   • Action - Set category, add tags, mark as transfer
4. Save the rule

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Rule Priority

Rules run in order:

1. User-created rules (highest priority)
2. Merchant-based rules
3. AI categorization
4. Default category (lowest priority)

You can reorder rules to control which ones apply first.

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Bulk Actions

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Select Multiple Transactions

1. Check the boxes next to transactions
2. Choose an action:
   • Categorize - Apply category to all selected
   • Tag - Add tags to multiple transactions
   • Exclude - Hide from reports and budgets
   • Delete (manual only) - Remove permanently

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Transaction States

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Pending Transactions

Transactions marked as pending by your bank:

• Show a “Pending” badge
• May change amount when they settle
• Can be merged with posted version when it arrives

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Excluded Transactions

Exclude transactions from reports and budgets:

• One-time large expenses (home purchase, tax refund)
• Transfers and reimbursements
• Duplicates or errors

Excluded transactions:

• Still appear in account history
• Can be filtered in/out on the transactions page
• Are hidden from income statements and budgets

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Frequently Asked Questions

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