Why are transfers (e.g. ATM withdrawals, credit card payments, mortgage payments) not included in my Insights and Budgets?

In strict accounting terms, transfers are not expenses, but a simple movement of assets from one account to another. The same applies to ATM withdrawals, credit card payments or mortgage payments. For example, when you take a mortgage, you receive an equivalent asset of the real estate property. The subsequent mortgage payments are simply a movement of assets: you pay cash and get home equity in return.

By default, Buxfer will identify transfer-like transactions and exclude them from your Insights and Budgets. In most cases, this is desirable behavior. But we do let you manage things differently if that's what you would like.

To have a transfer affect your Insights or Budgets, simply edit the transaction type to be an expense.