Importing transactions from your bank

What you'll import

Your bank and credit-card websites let you download your transactions as a CSV file (a plain spreadsheet — look for "Export," "Download," or "Download transactions," usually with a CSV option). Once you have that file, the app reads it and fills in your actual spending.

Importing requires an account. Every free account gets one free statement import — enough to see your real spending against your plan — and Premium lifts the limit to unlimited imports. Setting category targets works without importing anything.

The four steps

1. Choose the file. On the Budget tab, in the Import bank CSV box, click

Choose CSV… and pick the file you downloaded.

1. Map the columns. Tell the app which column is the Date, which is the

Description, and which holds the Amount. Some banks split money in and money out into separate Debit and Credit columns instead — if so, map those two and leave Amount as "(none)." The app tries to fill these in for you; just check they look right.

1. Check the preview. The app shows how many rows are new, how many are

duplicates it will skip, and how many are unparseable (rows it couldn't read, like a summary line). A short sample lists a few transactions with their sign.

1. Import. Click Import to add the new transactions. Duplicates are left

out automatically.

The amount sign is detected for you

Banks and cards don't agree on how to write a purchase. On a bank statement, spending is a negative amount. Credit cards vary: some (like Discover) list purchases as positive, while others (like Chase) list them as negative.

You don't have to know which is which. The app looks at your actual numbers and figures out the sign automatically, then shows a short readout of what it decided. Your only job is to confirm the preview shows purchases with a minus sign (−) in front of the dollar amount.

If it guessed wrong (rare — usually on an income-heavy account), there's a "Purchases are positive amounts" checkbox you can tick or untick to flip the sign yourself.

Payments and transfers are set aside for you

When you move money between your own accounts, or pay your credit-card bill, that isn't spending — it's the same dollars changing hands. On import, the app automatically sets aside transactions that look like card payments and transfers so they don't get counted as spending. You'll see a note telling you how many were set aside; they land under the 🚫 Excluded category, where you can review them.

This matters because counting both a card payment and the purchases it paid for would double-count your spending. See Transfers and exclusions for the full picture and a worked example.

Made a mistake? One-click Undo

Every import can be undone. Right after importing, an Undo this import button appears — click it and every transaction from that batch is removed. No harm done.

For a bigger cleanup, use Clear imported transactions in the Budget tab. It removes imported rows either all at once or across a month range you pick, and it never touches transactions you added by hand — those stay. (Undo removes a single batch; Clear is the broader reset.)

Import every account

For an accurate picture, import all of your accounts — your checking account and each credit card. If you skip a card, the spending on it simply won't appear. Bring in everything, and let the app's exclusions keep the payments from double-counting.

Next: learn how to file everything into the right buckets in Categorizing transactions.