Split Transactions
One purchase, the right categories.
Split any transaction across multiple categories so your budget always reflects where your money actually went.
Real life isn't one category at a time
A single charge can cover groceries, household goods, clothing, and electronics. Your budget should reflect that.
Every budgeting app struggles with the same problem: one transaction, multiple purposes. You do a big Costco run and it hits your account as a single charge, but the reality is half groceries, a quarter household supplies, and a quarter random stuff. Leaving it in one category makes your budget less accurate.
FreeBudget's split feature lets you break any transaction into as many line items as you need. Each line gets its own description, category, and amount. The totals have to add up, so nothing slips through the cracks.
If you find yourself splitting the same transaction pattern repeatedly, save it as a split template. Templates can use fixed amounts, percentages, or a remainder line that automatically fills in whatever's left. Apply them in one click, or attach them to a recurring schedule so the split happens automatically every time.
Accurate budgets, less manual work
One Purchase, Any Number of Categories
Divide a single transaction into as many line items as you need. Each gets its own description, category, and amount.
Works with Any Transaction
Split transactions entered manually, imported via CSV, or synced from your bank. Any transaction is eligible.
Reusable Split Templates
Save a split pattern as a template and apply it to future transactions in seconds. Great for Costco runs, mixed bills, or any purchase you split the same way every time.
Fixed, Percent, or Remainder
Template lines can use a fixed dollar amount, a percentage of the total, or automatically fill in whatever's left. Mix types freely within one template.
Automatic via Recurring Schedules
Attach a split template to a recurring schedule so every auto-generated transaction is split correctly without any extra steps.
Reversible Any Time
Changed your mind? Unsplit a transaction at any time to restore it to a single entry. No data is lost in either direction.
Frequently asked questions
When would I split a transaction?
Any time a single charge covers multiple budget categories. A Walmart run that includes groceries, household supplies, and clothing. A Costco trip that mixes food and electronics. An Amazon order with items from different categories. Splitting lets each portion count toward the right budget.
What are split templates and when should I use them?
A split template saves a splitting pattern — the line items, categories, and amounts — so you can apply it to future transactions without re-entering everything. If you always split your Costco charge the same way, save it as a template. You can also attach templates to recurring schedules for fully automatic splitting.
How do the three template line types work?
Fixed assigns a specific dollar amount regardless of the transaction total. Percent assigns a proportion that scales with the total. Remainder automatically gets whatever is left after the other lines are accounted for. You can mix all three in one template, but only one Remainder line is allowed.
Does splitting change my overall totals?
No. Splitting only redistributes the amount across categories — it doesn't change the transaction total, your account balance, or your net worth.
Can I edit a split after saving it?
You can edit the description and category of individual split lines. To change the date, account, or total amount, unsplit the transaction first, make your changes, then re-split.
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