Transactions
PennyWallet has three transaction types. Each is designed for a specific real-world scenario.
Transaction Types
Expense
Money leaving one of your accounts for a purchase or payment.
| Field | Required | Notes |
|---|---|---|
| Account | Yes | The account the money came from |
| Category | No | e.g. Food, Transport, Shopping |
| Note | No | Free-text description |
| Amount | Yes | Positive number |
Effect on balance:
- Cash / Bank account → balance decreases
- Credit Card → outstanding debt increases
Example: Paid NT$280 for lunch with cash → Account: Cash, Category: Food, Amount: 280
Income
Money arriving into one of your accounts.
| Field | Required | Notes |
|---|---|---|
| Account | Yes | The account receiving the money |
| Category | No | e.g. Salary, Bonus, Side Income |
| Note | No | Free-text description |
| Amount | Yes | Positive number |
Effect on balance:
- Any account type → balance increases
Example: Monthly salary deposited into HSBC → Account: HSBC Savings, Category: Salary, Amount: 72000
Transfer
Moving money between two of your own accounts — including credit card payments, refunds, and investment trades.
| Field | Required | Notes |
|---|---|---|
| Category | Yes | e.g. Account Transfer, Credit Card Payment |
| From Account | Yes | Source account |
| To Account | Yes | Destination account |
| Note | No | Free-text description |
| Amount | Yes | Positive number |
Transfer categories and their account rules:
| Category | From Account | To Account |
|---|---|---|
| Account Transfer | Any non-credit-card | Any non-credit-card |
| Credit Card Payment | Cash or Bank | Credit Card |
| Credit Card Refund | Credit Card | Same Credit Card |
| Investment Trade | Any | Any |
Effect on balance:
- Account Transfer / Investment Trade: From decreases, To increases
- Credit Card Payment: From (bank) decreases, To (credit card) debt decreases
- Credit Card Refund: Credit card debt decreases (refund reversal)
Example: Withdraw NT$8,000 cash from ATM → Category: Account Transfer, From: HSBC Savings, To: Cash, Amount: 8000
Example: Pay NT$5,200 credit card bill from savings → Category: Credit Card Payment, From: HSBC Savings, To: Visa Platinum, Amount: 5200
See Credit Card Workflow for the full credit card cycle.
Adding a Transaction
From Finance Overview or Transactions view: click + Add Transaction
From the Command Palette: run PennyWallet: Add Transaction
From the ribbon icon: click the balloon icon → then + Add Transaction
From iOS Shortcuts: see URI Handler & iOS Shortcuts
Editing and Deleting
Open the Transactions view, find the entry, and click the edit (✏) or delete (🗑) icon on the right side of the row.
Editing supports changing the date (including moving the transaction to a different month), the type, account, category, note, and amount.
Default Categories
Expense
Food · Clothing · Home · Transport · Education · Entertainment · Shopping · Medical · Cash Expense · Insurance · Fees · Tax
Income
Salary · Interest · Side Income · Bonus · Lottery · Rent · Cashback · Dividend · Investment Profit · Insurance Claim · Pension
Transfer
Account Transfer · Credit Card Payment · Credit Card Refund · Investment Trade
If a transaction has no category, it is shown as Uncategorized. This is a display-only label — nothing is stored.
Custom categories can be added in Settings → PennyWallet → Custom Categories.