Using splits (multiple categories) in Recurring Transactions

SimplifiBeta Member ✭✭
edited September 2020 in Feature Requests

I don't seem to be able to setup a split on my recurring insurance payments. These are monthly transactions that include auto, home, RV and umbrella policies on a single payment to my insurance company. Am I missing something?

32 votes

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  • Coach Nicole
    Coach Nicole Administrator, Moderator admin

    Hi SimplifiBeta -- That's a great question! It appears that the actual recurring transaction reminder doesn't support split transactions. However, once the transaction has cleared and matched, you can add a split through the register.

    I do agree -- being able to add a split to a recurring transaction reminder would be extremely helpful. I don't believe this to be on the road map currently, but if we receive enough demand for this feature, we can definitely re-evaluate. Thanks again for your feedback!

  • Please add my input to the demand! This is a necessary feature as a lot of us have the same type of situation that the poster is having.

    Seattle, WA

  • Coach Tappan
    Coach Tappan Retired Coach ✭✭✭✭

    @seascorpio82 I've added a "vote" option to this discussion so you, and other users, can register your support for the feature. Thanks for your comments!

  • bowgy4
    bowgy4 Member ✭✭✭✭

    Yes. I would use this to split my mortgage payment into escrow, interest, and principal.

  • It does not appear that you can split a recurring transaction, which seems really strange. How do you set up regular in coming pay to go to different categories? This is possible on every other financial software, including the old desktop quicken. Simple things just don't seem that simple.

    I figure I just must be missing something???

  • Coach Tappan
    Coach Tappan Retired Coach ✭✭✭✭

    @scottnamo Thanks for your comment! There's an existing discussion where some of our other users have also asked for the ability to split recurring income. You can add your vote to this discussion to move that function up our priority list.

  • Coach Tappan
    Coach Tappan Retired Coach ✭✭✭✭

    @MrGood My apologies. Currently, there is no way in Simplifi to match a recurring reminder to only one part of a split transaction, since a split acts as a record of how you classify parts of a transaction, and doesn't actually move funds. However, we welcome suggestions from our users on features and functions like this that they'd like to see implemented in Simplifi. I encourage you to post the idea in the Feedback section of this Community, which will also give other users a chance to "vote" on the suggestion, and move it up our priority list. Thanks for your comments!

  • bcrossman
    bcrossman Member ✭✭✭✭

    Making “split” transactions separate and independent transactions, like Mint does, would be one way to address this issue. Then each portion of the split transaction could have its own category, tag, note, and recurring assignment.

    This would also help solve some of the problems when exporting split transactions, like the loss of payee and tag data.

  • Coach Tappan
    Coach Tappan Retired Coach ✭✭✭✭

    @bcrossman Thanks for that suggestion. You might want to start a new Feedback topic yourself on changes you'd like to see inhow Simplifi handles split transactions, if @MrGood doesn't beat you to it!

  • MrGood
    MrGood Member ✭✭

    I split my incoming paychecks into the underlying components (e.g., gross pay, taxes, health insurance, 401k, etc...). However, I am unable to match a recurring transaction to an underlying split component of a downloaded transaction. For example, I have a recurring transaction for my gross pay but matching it to the downloaded split transaction wipes out the split details. Is there a way around this?

  • MrGood
    MrGood Member ✭✭

    I split my paycheck into the various deductions (e.g., taxes, 401k, health insurance, life insurance, etc.). Is there a way to create recurring transactions for these types of items (e.g., taxes, 401k, etc...) and be able to "link" these to the underlying split paycheck components in the Spending Plan?

    Currently, what I have been doing is entering recurring transactions for these but since I cannot link them to a split transaction, I merely just DELETE the reminder transaction. This way, at least my "Left to Spend" is accurate, though the split transactions will ultimately always show as discretionary spend (vs. ideally under 'bills & subscriptions').

  • Coach Tappan
    Coach Tappan Retired Coach ✭✭✭✭

    @MrGood I've merged your most recent posts on this subject with an existing Feedback topic that includes other users' requests and comments about setting up recurring transaction reminders for parts of split transactions. I encourage you to cast your vote to add this option to Simplifi by checking the counter in the first post in this discussion. We appreciate your feedback!

  • grichards
    grichards Unconfirmed, Member

    I'd like to add my vote too.

  • Coach Tappan
    Coach Tappan Retired Coach ✭✭✭✭

    @grichards I've gone ahead and merged this discussion with the one noted in the link in the previous message, to keep all of these comments in one place, but I've also updated the total on that discussion to include your vote. Thanks for your interest in Simplifi!

  • The ability to have reoccurring split transactions is needed. Having to write down the splits to enter them the next time (mortgage, loans, paycheck, etc. all have split categories) and remember where They are stored sort of defeats the purpose of the software.

  • asubbaiyanprof
    asubbaiyanprof Member ✭✭✭

    I agree; it's a must to have a feature to streamline both recurring incomes and expenses and set line items to remove from reporting; for example, I have a recurring bill for a cell phone, which I share with my friend.

  • I'm surprised we're still talking about this. I asked for this last November as I'm just being reminded, and just had to go back to Quicken because Simplifi was just too new... One of the things I couldn't do without was split transactions as we're speaking of in this thread. Is it a difficult task to accomplish this? Or does it just not appear it's something enough people want?

    Seattle, WA

  • wallywanna
    wallywanna Unconfirmed, Member
    edited December 2020
    I agree.  I can not use Simplify without this ability and will just go back to the [removed] app.
  • Yes, having to re-split a bill every single month is problematic. Also, I agree with bcrossman above, suggesting SimpliFi allow us to treat each split line as its own transaction so we can apply a note, tags, whatever to just that part of the transaction, not the whole thing. This would also improve the reports, which show the full transaction in the list below, even though only a portion of it is applied to the category being reported.
  • JayT
    JayT Member
    edited March 9
    I agree, this is a must have feature! There really is no need to have a "vote" on if this feature is worth adding. Splitting recurring transactions should be a default feature in this day and age for a personal finance tool. I personally split and gross up my paychecks to track various employer deducted costs and taxes, among other uses. Splitting recurring transactions allows me to not have to repeat this pain-staking process with each paycheck. I currently use Quicken Desktop (which has this) and this is a must have feature for me to officially make the move. I am disappointed to see this feature has yet to be added since I last trialed Simplifi a year ago. Please consider adding this feature! Thank you.
  • JayT
    JayT Member
    Any update on this feature possibly getting on the road map? Thank you.
  • Coach Natalie
    Coach Natalie Administrator, Moderator admin
    Hello @JayT,

    Thanks for the inquiry, although I apologize that this request is still not on the roadmap, as far as I know. Please be sure to stay tuned for future updates, however! :smiley:

    -Coach Natalie
  • n2it
    n2it Member
    This seem like a pretty simple change... especially since there is already a schema designed in the transaction table for splits (you'd think the recurring transaction should have and almost identical model/schema and that you'd be able to re-use a lot of the existing ui components already built to deal with splits from the transactions).
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