Transfers and the Special tab
Some money movements lie to budgets. This guide is about how SkrillaPlan catches the lie — and what to do the few times it needs your help.
The lie, in one example
You pay your credit card: $1,200. Your checking account shows $1,200 out. Your card account shows $1,200 in. A naive budget reads that as $1,200 of spending and $1,200 of income — in a month where neither happened. It's your own money changing pockets.
The real spending already happened, swipe by swipe, and got categorized transaction by transaction. Counting the payment too would count it twice.
What SkrillaPlan does about it
It detects the pairs and moves them to the Special tab on the Transactions screen, out of your spending, income, and reports. Labeled:
- 💳 Credit-card payment — checking out, card in.
- 🔁 Transfer — savings to checking, checking to savings, any pocket to any pocket.
Detection works best when it can see both pockets. Connect both sides — checking and the credit card — and payments are caught automatically. One-sided movements are just harder to prove. (Banks is where you connect.)
When it asks for help
Certainty isn't always available, and we don't guess silently:
- ❓ Possible transfer — the amounts match but the signal is weak. These still count as spending until you decide: Confirm moves it to Special, Dismiss leaves it counting. We surface; we don't hide your money.
- Wrong call the other way? Anything on the Special tab has Not a transfer — click it and the transaction goes back to counting.
That's the whole maintenance: a glance at the ❓ rows when they appear.
But I budget for my card payment — where does that live?
Two different things, and the app keeps them straight:
- Assigning money for the payment happens on the Budget screen — the card payment's category gets its share, like rent gets rent.
- The payment itself — the $1,200 moving between accounts — lands in Special and stays out of your spending.
The plan is yours. The bookkeeping is handled.
While you're on the tab
Below the transfers sits Recurring bills & subscriptions — everything that charges you on a schedule, with its typical amount. Worth a slow read once a month.