Transfers are not new spending

One movement, two account balances

You withdraw $40 from a tracked bank account into a tracked cash wallet. The bank balance falls by $40 and the cash balance rises by $40. Your household did not earn or spend another $40, so use Transfer rather than an expense and an income.

Choose both the source and destination accounts and confirm the amount. Kakeibo records the linked movement on each side. A correction to a posted transfer uses the void flow to reverse both sides, then you can record the right transfer.

Credit-card payments

A card purchase is spending when you record the purchase. Paying the card issuer later moves money from your bank to the card; it is not another purchase. After paying the issuer, use the card’s Record payment action with the amount actually paid. Kakeibo never initiates a bank payment.

Record transactions and transfers · Credit cards and accounts