> ## Documentation Index
> Fetch the complete documentation index at: https://docs.budgetbandit.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Split a transaction

> When one transaction covers more than one category, split it so each category gets the right share.

A split transaction divides one transaction across two or more categories. The
classic case is a single store run that covers groceries and household supplies:
one $80 charge, $60 to Groceries and $20 to Household. The account still sees one
$80 outflow, but the budget counts each piece against its own category.

## How splits work

When a transaction is split:

* The split amounts must add up to the transaction's total. An $80 transaction
  splits into pieces that sum to exactly $80.
* The parent transaction itself carries no single category — each split line
  carries its own category instead.
* Every split piece draws down the category you assign it to, just like a normal
  categorized transaction.

## Split automatically with a rule

The in-app way to split is a rule that uses the Auto-Split action. You give it a
set of categories with a percentage for each, and every matching transaction is
divided that way on its own. The $60 Groceries and $20 Household example above is a
75 percent and 25 percent split.

<Steps>
  <Step title="Create a rule">
    Open Rules and add a rule that matches the transactions you want to split — for
    example, payee contains a warehouse store. See
    [Create a rule](/rules/create-a-rule).
  </Step>

  <Step title="Add the Auto-Split action">
    Choose Auto-Split, then add one line per category and set the percentage each
    should take. The percentages cover the whole transaction.
  </Step>

  <Step title="Apply it">
    New matching transactions split on their own. To split transactions you already
    have, run the rule over them — see
    [Apply a rule to existing transactions](/rules/apply-retroactively).
  </Step>
</Steps>

<Note>
  A one-off charge you do not want a standing rule for can be entered as separate
  transactions instead — a $60 Groceries entry and a $20 Household entry on the same
  date and account. Together they match the real charge, and each lands in the right
  category.
</Note>

## Splits from imports

Splits also arrive through imports. When you migrate from another app, split
transactions come across with their pieces intact:

* [Import from YNAB](/import/from-ynab)
* [Import from Actual](/import/from-actual)
* [Import from Monarch](/import/from-monarch)

<Warning>
  Every import creates a brand-new budget. It never overwrites or merges into an
  existing one — so importing to bring split transactions in is a fresh-start move,
  not a way to add splits to your current budget.
</Warning>

## If something looks wrong

* Split pieces don't add up to the total → the transaction can't save until they
  match the full amount.
* An imported split landed in the wrong categories → recategorize each piece, or
  see [Categorize a transaction](/transactions/categorize).

## Related

<CardGroup cols={2}>
  <Card title="Categorize a transaction" icon="tag" href="/transactions/categorize">
    Assign a single category to a transaction.
  </Card>

  <Card title="Import from YNAB" icon="file-import" href="/import/from-ynab">
    Bring split transactions over from YNAB.
  </Card>

  <Card title="Add a transaction" icon="plus" href="/transactions/add-edit-delete">
    Enter transactions by hand.
  </Card>

  <Card title="Contact support" icon="life-ring" href="/troubleshooting/contact-support">
    Get help with a specific transaction.
  </Card>
</CardGroup>
