Transaction
A transaction is one money event in one account: a paycheck arriving, rent going out, a card swipe. Date, amount, account, category — that’s the whole grammar.
Key takeaways
- One transaction records one money event in one account.
- The core fields are date, amount, account, and category; tags, notes, and attachments add meaning.
- Transfers and splits are special shapes of transaction that keep reports honest.
A transaction is the atom of financial records: on this date, this amount moved in or out of this account, and it was for this. Everything Owniko reports, from a budget bar to the cash flow chart, is built by adding transactions together in different ways.
The anatomy
- Date and amount say what happened and when.
- Account says where it happened, which keeps the account's balance true.
- Category says what it was for, which powers budgets and reports.
- Tags, notes, attachments carry everything else: the project it belonged to, why it was unusual, the receipt image.
Two special shapes
A transfer is a transaction pair between two of your own accounts and is deliberately excluded from income and spending. A split is one transaction divided across several categories, for receipts that mean more than one thing. Both exist for the same reason: so that the totals your reports show match what actually happened to the household.
Where you’ll see it
The Transactions page is the ledger's chronological heart, and most other screens, budgets, reports, and account views are that same list, filtered and summed differently. Recording honestly here, including marking transfers as transfers, is what makes every downstream number trustworthy.