Split transactions should be treated as separate transactions (2 Merged Votes)
Comments
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now that I switched to Apple I have similar issues as above. Voted yes now
+1—
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This is a must have for split transactions, Mint and [removed] have it, why not Simplifi.
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Mint doesn't have it. Mint doesn't exist.
You can split transactions here, but they're not treated as separate, it's unclear what the benefit of that would be -except- that Apple combines charges (royal pain) meaning sometimes you have 2+ subscriptions billing as one charge (and sometimes not!).
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The benefit would be to be able to categorize them as different merchants, assign them different flags, and exclude them separately from reports/spending plan none of which we can do now. If a friend sends me a Venmo for 2 meals, I'd rather have it categorized as the 2 different restaurants so it offsets the total in any reports.
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I often split transactions as they belong to different categories. Like Groceries that have pet supplies and home supplies as well as food. This luckily doesn't impact the bill and subscription view but it does block me from using notes and tags effectively. So even when a split transaction doesn't require linking to a bill/subscription it would be valuable to treat them separtely to be able to utilize different notes and tags for each.
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@Sugarskull good news seems that QS is planning to add a separate note field for each split.
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The one feature I want from this suggestion is the ability to link a reminder (recurring bill or income) to part of a split.
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I am trying to understand what y'all mean about Apple b/c this hasn't happened to me. Is it that you really want to have recurring transactions with splits? This is something badly needed especially with paychecks.
This whole idea of mintifying Simplifi mystifies me. But I am willing to be proved wrong.
Steve
Quicken Simplifi (Safari & iOS) Since 2021
Quicken Classic (MacOS) Since 20090 -
Exactly what I do. Also if the return happens as the month changes, I just make that spending the last month a transfer so it isn't categorized. I enter the refund as a transfer as well. So you end up with $25 transfer out in October and $25 transfer in in November.
Steve
Quicken Simplifi (Safari & iOS) Since 2021
Quicken Classic (MacOS) Since 20090 -
Couldn't you just put the expenses you paid as restaurants and then set up a refund from Payee "John" putting the amount that he owes and charging it back to restaurants? This way when he pays you, you've only spent your part in restaurants. Plus you will have a reminder in Simplifi that John owes you $50 or so. You set the account you expect the refund to come to, e.g., Cash.
Steve
Quicken Simplifi (Safari & iOS) Since 2021
Quicken Classic (MacOS) Since 20090 -
Apple: If you "subscribe" to Apple Services (like Apple Care+ (in my case, for 2 devices), Apple News+, subscribe to any in app purchases, buy an app or two, etc… If the charge dates for these services are close you will get (maybe) one charge for more than one subscription or purchase. You'll get one e-mail receipt from apple containing multiple services/apps/subscriptions, and in Apple Wallet you can see the breakdown I believe.
I'm "new" to Apple. I've had a MacBook (Air, 2nd one now) for about 3-4 years now, I've been using an iPad for about 2-3 years (I currently have a 13" iPad Pro M4; though a long time ago i had a 1st gen iPad), and I've only had my first iPhone since about September (iPhone 16 Pro Max). I have an app that occasionally is ranked in the top 200 iPad Utilties.
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OK, sort of like the Amazon situation when you order and they split it into to charges but just one invoice. Not nice.
I have Apple Cloud + on the 3rd and Apple Music on the 1st, I think, but haven't had this happen. Yet!
It wouldn't make much difference except one is apps and one is music.
But you ought to be able to split it after it downloads. I haven't had problems splitting into apps and sales tax. Music and Cloud don't charge sales tax but some of the apps like virus protection do. I keep money in my Apple Store account so these aren't charged to Apple Card. (except if I run out of money in the Store but I try not to let that happen). And I do keep up with the Apple Store (as a cash account) in Simplifi.
Thanks for clarifying! @RobWilk
Steve
Quicken Simplifi (Safari & iOS) Since 2021
Quicken Classic (MacOS) Since 20090 -
You can split it, but it's a manual process right now — also it's virtually impossible to link multiple recurring reminders to each split so you kind of have to just delete both reminders and just mark the transaction as a bill (which sometimes it isn't, you can have apple cloud and an app purchase in the same transaction - cloud might be a bill, but the app purchase might not be),
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I understand. I do have Reminders for mine, and it hasn't been a problem, but probably because I pay them out of Apple Store funds where they have to be separate. Probably the Apple Card is where they get combined. I see the quandary.
You could put them into Planned Spending but then you would have to delete the Reminder after they are paid.
Steve
Quicken Simplifi (Safari & iOS) Since 2021
Quicken Classic (MacOS) Since 20090 -
Where is the harm, what is the difficulty, in changing this in the transaction download:
account
state
postedOn
payee
usage
category
tags
notes
amount
VISA
CLEARED
11/17/2024
A Bar
SPLIT
lunch with nibs
$0.00
Restaurants
-50.49
Gifts
-50.48
MC
CLEARED
11/17/2024
Gas Station
Gas
($34.02)
to this:
account
state
postedOn
payee
usage
category
tags
notes
amount
VISA
CLEARED
11/17/2024
A Bar
SPLIT
lunch with nibs
$0.00
VISA
CLEARED
11/17/2024
A Bar
Restaurants
-50.49
VISA
CLEARED
11/17/2024
A Bar
Gifts
-50.48
MC
CLEARED
11/17/2024
Gas Station
Gas
($34.02)
Where I come from, that's low hanging fruit - a quick win.
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Thanks for adding these two screenshots. I still don't really get the usefulness of this request, but I better understand what it would look like in the transaction register.
Chris
Spreadsheet user since forever.
Quicken Desktop user since 2014.
Quicken Simplifi user since 2021.1 -
My comment is only about the CSV download. I've mentioned elsewhere that as a dataset, the CSV download is broken. It relies on sort order to make sense of split transaction records. A simple fix is available and long requested, yet it is not done. Disheartening.
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As a new Simplifi user who never used Mint, I see the benefit of setting transaction options for each split (notes, exclude from spending plan/reports, flags, links to recurring series) and have already encountered instances where I would use all of these if they were available options. I don't necessarily think of it as being separate transactions though - just having more flexible options for the splits so that the desired outcome is possible on reports and spending plan without a lot of manual adjustments and/or a more intuitive/consistent experience. I haven't done anything with exports yet so can't speak to the impact there yet but would expect something similar to what was requested above where each row has complete data in all columns.
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Agree with @dsfreddy . What's the harm?
Once the data is in a spreadsheet, sorting columns is a great way to organize. If you sort by Gifts in this example, then you have missing data in the payee, dates and other things in the entry. This means people would need to manually fill in the blanks. Not ideal. Mint was able to put all the data in each Split row thus making the entry complete in the export.
Exports are great way to share data with accountants, important with Tax time coming next year.
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@dsfreddy FYI, I just exported my "Gifts" using Reports, where I have splits, the good news is that Simplifi puts all the data into export, breaking out the Splits that were Gifts. It does not include the other part of the split, which in mind my, would be expected behavior.
Now if QS would just allow us to save reports! 😂😤😓
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Thanks for that info. The report download is a different format and doesn't include all transactions. That's ok for the report download. But for my offline reports I download all transactions, including transfers and other categories not in the report download. For efficiency, I pull all YTD transactions down once a month, and update a pivot table to produce my monthly offline reports. I have a kludge for the missing split record data where I prepend a few dummy columns with formulas to fill in the missing split record information. In fact it is that report info you mention that I then go back and check when verifying my off-line spending report. I agree saving reports might be handy. And just adding "account, state, postedOn, payee" info to the split records in the transaction CSV download would be helpful.
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Not trying to mintify Simplifi, I guess I just don't understand what is so bad about having splits turned into individual transactions. If I take a bunch of checks to the bank, it comes in a 1 transaction. When I use the split feature, I can't break them out correctly. Same thing when I go to the big stores and get groceries plus household goods. Adding individual notes helps the second one, but not the first.
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Honestly, if the split transactions just exported to CSV with all of the correct data (payee, category, tags) instead of unpopulated cells, that would go a long way towards resolving this issue. I don't love having to open a transaction to see how it is split up, but its just an inconvenience. The fact that split transactions export with incomplete data is baffling. Seems like it should be an easy fix.
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Does anyone know if this feature is something they are going to actually think about adding soon? I hope it's on their radar! This would be so helpful for big purchases like car insurance that I'd like to be able to split between the six months it pays for. I'm coming from Mint and this was one of the features we loved and made budgeting so great for us.
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@cincotta2012 I had already voted for this and it has hundreds of votes, I wouldn't be surprised if they eventually submit this idea based upon interest, but i'm a bit surprised it hasn't been yet.. If they submitted it for review, you'd see that in the yellow section on the first page of this topic near the voting.
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I have a question about how this "split a transaction to give different parts different dates" idea would work.
Most of my expense transactions are bank withdrawals or credit card charges and carry the date that the bank or credit card apply them to my account.
If you split such a transaction — for example, assign part of it to a date this month and part to a date next month — how does (or should) that reflect in the bank or credit card register?
Would part of a withdrawal from my bank account (that actually took place this month) end up in the bank account register looking like it took place next month? If not, how would it actually work?
I've been wondering about this and would appreciate any clarification folks can offer.
DryHeat
-Quicken Classic (1990-2020), CountAbout (2021-2024), Simplifi (2025-…)2 -
@bcrossman vote for this here
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If I receive a transfer of money or write a check for example and need to split it into different categories and then apply to different months, I would like the ability to do this. You obviously have the ability to split into categories, just not the date
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I'd like to understand how this will work in practice.
Let's say you wrote a $200 check on May 1 but you want to apply half of it on May 1 and half on June 1.
Will the entire check show up in your checking account transactions as $200 paid out on May 1?
Or will it show up as $100 paid out on May 1 and $100 paid out on June 1?
(I asked this a month ago but no one replied. I hope you can help me understand it.)
DryHeat
-Quicken Classic (1990-2020), CountAbout (2021-2024), Simplifi (2025-…)1
