One trip to Costco or Target is often a few kinds of spending. Split the purchase and each part comes out of its own bucket, so every bucket’s balance stays true. A $100 run can take $60 from Groceries and $40 from Household.

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Split a purchase

1

Open the purchase

Tap it in Transactions or on the Dashboard. On the web, click it in the list.
2

Tap Split

It’s beside Bucket. The purchase’s bucket keeps half, and you pick the bucket for the other part.
3

Type the amounts

Type what one part cost and the first part takes up the rest, so the parts always add up. Add bucket adds another part, up to 20. The line under the parts says what’s left to split, or how much it’s over.
4

Save

Tap Save changes (on the web, Save split). Each bucket gives up its part right away.
A part can come out of Left-to-Spend instead of a bucket. Pick it at the top of the bucket list, for the share you didn’t budget for.

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What can be split

  • Purchases. Refunds and money coming in can’t be split.
  • Into spending buckets and goals. Bills and credit card payment buckets expect one payment a cycle, and savings buckets that mirror an account don’t spend, so they can’t take part of a purchase.
  • Not bill or card payments. A purchase in a bill’s bucket pays that bill, and a payment to your credit card from checking pays off the card’s payment bucket. See Credit cards.
  • Each bucket once. Put everything for one bucket into a single part.

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How a split behaves

  • **Buckets stop at $0.** If a bucket doesn't hold enough for its part, it stops at $0 and the rest comes out of left-to-spend, just like a whole purchase.
  • Card purchases and round-ups don’t change. The card’s payment bucket still sets aside the whole purchase, and round-ups still round the whole amount.
  • When the amount changes, for example a pending charge posts with a tip, every part grows or shrinks by the same share. A split that no longer makes sense, like a charge that turns into a refund, goes back to unassigned.
  • Excluding it gives every bucket its part back. Include it again and they take it again.
  • Rules leave it alone. Auto-assign rules never move a split purchase, even when it posts.

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Change or undo a split

Open the purchase to change its parts (on the web, click Edit split). To undo it, tap Don’t split: the purchase goes back to one bucket, or to left-to-spend, and each bucket gets its part back. Picking a single bucket for a split purchase, from the list or by selecting several purchases on the web, also replaces the split.

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Where splits show

  • Transactions shows a split purchase with its first bucket and how many more, like Groceries +1.
  • Trends and each bucket’s activity on the web count only that bucket’s part.
  • Penny counts just a bucket’s part when you ask about that bucket. See Ask Penny.
  • Exports list every part. See Export & delete.
On a shared budget, only the person who owns a private bucket can change a split with a part in it.