Recording Income, Expenses & Transfers
Learn the difference between the three transaction types and when to use each one. Understand why transfers must never be counted as income or expenses.
The three transaction types
Every transaction in Finzu is one of three types:
Expense — money leaving your net worth (groceries, rent, a coffee). It reduces the balance of the account you paid from.
Income — money entering your net worth (salary, freelance payment, interest). It increases the balance of the receiving account.
Transfer — money moving between two of your own accounts (paying your credit card from your checking account, moving money to savings). It changes two account balances but has zero net effect on your total net worth.
Important: Always use Transfer — never Expense/Income — when moving money between your own accounts. Using Expense for a credit card payment would make it look like you spent money twice (once on the purchase, once on the payment).
Add a transaction
Tap + anywhere in the app. The Add Transaction sheet opens.
1. Choose Income, Expense, or Transfer at the top.
2. Enter the amount using the large numeric keypad.
3. Pick a category (expenses and income only).
4. Select the account (or for transfers, select From and To accounts).
5. Set the date — defaults to today.
6. Optionally add a note for your own reference.
7. Tap Save.
Tip: The app pre-fills the last account you used. For most daily expenses this means you only need to change the amount and category.
Edit or delete a transaction
Tap any transaction in the list to open the Edit Transaction sheet. Change any field and tap Save, or tap Delete transaction at the bottom.
On mobile you can also swipe a transaction row to reveal quick Edit and Delete actions.
Back-date transactions
You can record transactions for any past date. Tap the date field and pick any day. The balance history and reports will reflect the correct date.
Future-dated transactions (tomorrow or later) are shown in the Upcoming section on the dashboard and transactions page — they don't affect today's balance until their date arrives.
Tip: Use future-dated transactions for bills you know are coming — it shows upcoming cash flow without affecting current balances.