Add a Transaction

Add a Transaction

Add a transaction any time you spend, receive, or move money, so your accounts and envelopes always reflect reality. Moniqo doesn’t connect to your bank automatically, so recording transactions yourself is how your budget stays accurate.

Steps

1. Open Transactions and select Add Transaction.
2. Choose a tab: Expense, Income, or Transfer.
3. For Expense or Income, pick an Account, enter the Amount and Date, and, for Expense, choose the Envelope it should count against. Add an optional Memo (up to 200 characters).
4. For Transfer, pick a From Account and a To Account, then enter the Amount and Date. See Transfer Between Accounts for the full walkthrough.
5. Review the live summary panel on the right, which previews the account’s (and, for Expense, the envelope’s) balance before and after.
6. Select Save Transaction.

A live preview panel updates as you fill out the form, so you can confirm the impact before saving.

Tips

• Income transactions don’t use an Envelope; they add straight to “To Be Budgeted,” ready for you to allocate. Only Expense transactions require one.
• Use the Memo field to note who a payment was to or from. It’s the detail that’s saved with the transaction and searchable later. See Search & Filter Transactions.
• Record transactions as you spend rather than batching them at the end of the week. It takes seconds and avoids a reconstruction project later.

Common Mistakes

• Picking an Envelope that doesn’t match the spending’s purpose. Choose the category that reflects what the money was actually for, not just the store or payee.
• Using Expense or Income for money moving between your own accounts. That’s what Transfer is for: using it keeps your reports from over-counting spending or income. See Transfer Between Accounts.

Next Steps

Made a mistake? See Edit a Transaction. Otherwise, learn how transactions move through Transaction Status & Reconciliation once they show up on your bank statement.