Categories describe the purpose of a transaction and determine how Worthic groups it in cashflow reports, forecasts, targets and other financial views. The reporting line identifies the person, business or property to which the activity belongs.
Use a single category when the whole transaction has one purpose. Split the transaction when its parts belong to different categories or reporting lines.
Understanding category trees
Worthic organises categories into three levels:
- Bucket: a broad reporting group, such as Income, Expenses or Transfers.
- Parent category: a group of related categories within a bucket.
- Subcategory: the category selected for an individual transaction or split component.
The available tree depends on the workspace, account type and reporting line. Personal category trees are shared within the workspace for the applicable account type. Business and Real Estate trees are scoped to their respective reporting lines.
Worthic provides default category trees for supported account and reporting-line combinations.
On mobile, open the transaction editor and tap Category. Choose the parent and the relevant subcategory from the tree.
Categorizing a transaction
1. Open the transaction’s editor.
2. Check its reporting line.
3. Open the category selector and choose the appropriate subcategory.
4. Review any additional details requested for that category.
5. Submit the changes using Confirm transaction for a pending transaction or Edit transaction for an already confirmed transaction.
Choose the category that describes the transaction’s actual purpose. Some categories open specialist details—for example, investment trades, rental receipts or mortgage and loan payments.
If you change the reporting line, check the category again because the available tree may differ.
On mobile, tap Money, then View transactions. Open the transaction. Tap Edit transaction and change the relevant fields. For an attachment, choose Scan document, Upload file, or Library. Tap Save transaction.
Editing category trees
Users with the required editing permission can manage editable categories through the category tree editor.
Viewers cannot change the category structure.
Depending on the selected tree and its protections, available actions can include adding, renaming, reordering, moving or deactivating categories.
Renaming or moving an active category can affect how existing transactions appear and group in reports.
Deactivating a category does not delete its historical transactions, but removes it from new selections. Historical records retain their stored category context where the active category is no longer available.
Reordering categories changes their presentation, not transaction amounts.
On mobile, use the web category-tree editor to change the structure. The mobile transaction editor lets you choose an existing category.
Protected categories
Some category structures are protected because Worthic’s reports and specialist workflows depend on them.
Real Estate transactional and liability category trees cannot be added to, edited, deleted, moved or reordered.
In other liability trees, buckets and parent categories are protected from structural changes, while subcategories may have additional restrictions.
Designated payroll, tax, financing and other system-dependent subcategories are also protected.
The category editor makes available only the actions permitted for the selected category.
Splitting a transaction
Split a transaction when one cash movement contains several purposes—for example, a card purchase containing groceries and household supplies, or a payment shared between personal and business activity.
1. Open or create the transaction.
2. Select Split transaction.
3. Add at least two valid components.
4. Set each component’s direction, amount, reporting line and category.
5. Review its description, dates, notes and supporting documents.
6. Check that the signed component amounts reconcile to the source transaction.
7. Save the transaction.
The Remaining control can fill the amount currently being edited.
Components can have opposite directions when their signed amounts reconcile correctly. For example, a net receipt of 950 could consist of income of 1,000 and a fee of 50 in the opposite direction.
Each component contributes its own categorized line to reporting, while Worthic retains the relationship between the components and the original transaction.
On mobile, open the transaction and tap Edit transaction. In Split transaction tap Split this transaction. Enter a reporting line, category and amount for each component. Use Add component for more. Check that Remaining is zero, then tap Save transaction.
Dates and accrual values on split components
Each component has its own cashflow date and initially inherits the source transaction’s effective cashflow date. Accrual dates and amounts depend on the reporting line’s accounting method for that cashflow date.
Where accrual fields are available, review them for each component rather than assuming every part of the transaction belongs to the same reporting period.
For imported transactions, the original Ledger date remains preserved as source evidence.
Splitting a transaction does not change that original bank or statement date.
On mobile, expand the split component and inspect the dates offered for its reporting line.
Supporting documents
A split can have general transaction attachments and documents linked to individual components.
Use general attachments for evidence relevant to the transaction as a whole. Use component-specific attachments when a document supports a particular part of the split.
Removing a general attachment does not remove an explicit link that still belongs to a component. When creating linked asset or cost-base items, also check the supporting documents selected for each item.
Optional document enrichment can continue in the background. Review any resulting suggestions alongside your own entries.
On mobile, open the split transaction and tap Edit transaction. Expand the intended component. Use its Scan document, Upload file or Library control for component-specific evidence. Use the main attachments area for shared evidence. Check the files against the correct component and save.
Reviewing or cancelling a split
Worthic presents a split as a group for review, confirmation and discard. Inspect every component before confirming the group.
To return to a single transaction, use Cancel split. Review the resulting category, attachments and specialist details before saving. If a component is linked to an asset or cost-base item, resolve the linked-item safeguards presented by Worthic.
Changing or cancelling a split requires permission to edit the affected records.
On mobile, check Remaining in the split card before saving. To abandon an unsaved split, use Cancel split.
Suggested categories and saved rules
Imported transactions may already have a category assignment or suggestion. Check that the category and reporting line describe the transaction correctly, and change them when necessary.
For recurring activity, categorization and split rules can reduce repetitive work. Transaction rules and bulk review explains how to save rules, understand suggestion labels and review similar transactions together.
On mobile, edit and save a transaction with the intended category. When Use this category for similar transactions? appears, review Match description and choose Contains, Starts with, or Exactly matches. Tap Create rule to keep it or Done to skip.
Categorization and confirmation
Categorization describes the transaction’s purpose. Confirmation records that the transaction has been reviewed.
A saved pending transaction can already affect balances and reporting. Confirming it does not first introduce it into the ledger.
From Accounts → Review, inspect the details, edit anything incorrect, and confirm or discard as appropriate.
Discarding an eligible pending transaction removes it from the active ledger so that it stops affecting balances and reporting.
On mobile, tap Money, then View transactions. Open the pending transaction and tap Review this transaction. Check the details. Under Action, choose Confirm transaction, Discard transaction, or Edit transaction. Tap the matching action button. If editing, review the fields before saving.
Related articles
- Transaction rules and bulk review — Save reusable categorization and split rules, understand suggestion labels, and review similar transactions together.
- Transaction dates and accrual — Understand the different dates used for source evidence, cashflow and reporting.