Every line in your Transactions list is one payment, money in or money out. What you can change about it depends on where it came from.
The three origins
- Synced through Plaid. Only in the United States and Canada, and only on a paid plan. The bank reports the transaction and Finthy stores what it reported.
- Captured by the Chrome extension. Only for Banamex, Banorte and HSBC México, and only while you are signed into the bank’s own website.
- Manual. Either you typed it, or Finthy read it out of a statement you imported.
What you can change
On a synced transaction, the amount, the date and the balance are the bank’s. Finthy stores them as reported and does not let you edit them, because they are the record you would reconcile against. You can change the description and the category, which are yours.
On a manual transaction, every field is yours, including whether it moves the account balance.
Where an account balance comes from
This is the part that surprises people, so it is worth stating plainly.
On a synced account the balance comes from the bank. Adding, editing or deleting a transaction in Finthy does not change it. If the balance looks wrong, it is what the bank last reported, and it is refreshed once a day as well as whenever the bank reports activity.
On a manual account the balance is whatever you set, plus or minus your manual transactions. The add, edit and delete dialogs each carry an Update account balance toggle, so you decide per action whether that change should move the running balance. A statement import sets the balance to the statement’s closing balance.
Every field a transaction carries
- Description, required, and editable whatever the origin.
- Amount, always stored as a positive number, with Transaction Type deciding the direction: Expense/Withdrawal or Income/Deposit. The sign you see in a list is rendered from the type, not stored in the amount.
- Currency, taken from the account the transaction belongs to. Budgets and alerts on that account use the same currency.
- Converted amount. Finthy also works out the value in your default currency, using the exchange rate for that transaction’s own date rather than today’s. That is what makes a multi-currency dashboard add up, and it is a column in the transaction export.
- Transaction Date, required. On synced data this is the date the bank reported.
- Category, optional. An uncategorised transaction is not broken; it simply reports as uncategorised, and you can set the category at any time.
- Reference, optional free text, for an invoice number or who paid.
- Notes, optional free text, between 3 and 500 characters if you write any.
- Status: Completed, Processing, Failed, Cancelled or Other.
- Duplicate flag. A transaction marked as a duplicate stays in your history but is left out of every total, budget and report.
What is never stored
Your bank credentials. For a Plaid connection they go to Plaid, not to Finthy. For the Chrome extension nothing is stored at all: it reads the page while you are already signed in, and only reads transaction data.
Good to know
- Reference and Notes do not appear in a transaction export. The export has fourteen columns and neither is among them.
- A manual transaction is not second class. Budgets, the calendar, reports, exports and Finthy AI treat it exactly like a synced one.