Transfers between your accounts

Move $1,000 from checking to savings, and two transactions land in your Ledger: a −$1,000 in checking, a +$1,000 in savings. Neither one is real income or a real expense — it’s the same money, just in a different account. A Transfer is finzu’s recognition of that pairing.

Without it, your spending picture would be wrong twice over: the money leaving checking would look like a $1,000 expense, and the money arriving in savings would look like $1,000 of income — even though nothing was earned or spent. Marking the pair as a transfer excludes both sides from income and expense totals, so your budgets and insights reflect money that actually left your control, not money you just relocated.

How finzu finds them

Finzu looks for the shape of a transfer — a withdrawal in one of your accounts and a matching deposit in another, close in date and equal in amount — and suggests pairing them. You confirm the match; finzu doesn’t silently reclassify transactions on its own.

Next: turning this organized picture into a plan.