Transfers

Overview#

A transfer represents money moving from one of your accounts to another. Unlike bills (which are outflows to external payees), transfers do not change your net worth — they simply redistribute funds across your accounts. The app manages both sides of the transaction so your balances stay accurate. Because a transfer is neither income nor spending, linked transfer pairs are also left out of the dashboard totals and the reports when viewing all accounts.

Creating a Transfer#

Navigate to Transfers > Add Transfer to create a new transfer.

Frequency Options#

One-Time Transfers#

One-time transfers represent a single planned movement of funds. After you mark a one-time transfer as paid, it automatically deactivates. It remains visible in your transfer history but no longer appears in the active list or generates reminders.

Note: Use one-time transfers for planned large moves — like transferring money to cover an upcoming expense — so you do not forget and overdraft the destination account.

Paying a Credit Card Statement#

A transfer whose destination is a Credit Card or Line of Credit account offers an Amount type choice mirroring what card issuers offer:

With any type other than Fixed amount, the transfer has no fixed figure: the app works it out from the card's ledger each time the payment is made.

This makes the whole credit-card cycle hands-off:

1. Open the credit card's account page and click Set up payment (the button appears when the card has no payment transfer yet). The transfer form opens pre-filled — pick the account the payment comes from and the day of the month it is due.
2. When the payment is due, mark it paid — or enable auto-pay and let the app make it on the due date.
3. Both sides are recorded: the paying account is debited and the card is credited, clearing what was owed at the due date.

Between payments, the amount shown on the transfer is the most recent figure it resolved (marked with a badge naming the amount type), and the pre-booked next occurrence uses it as the forecast estimate. Once a payment transfer exists, the card's account page shows when the next payment is due.

Note: The statement figure comes from the card's ledger in the app, so it is only as accurate as the card's recorded transactions — importing or bank-syncing the card account keeps it right. If nothing is owed at the due date, a zero-amount payment is recorded and the cycle simply moves on.

Auto-Pay#

Auto-pay automates the transfer on its due date, removing the need to mark it paid manually.

How to Enable#

1. Edit the transfer and toggle Auto-Pay on.
2. Ensure both a source and destination account are set.

How It Works#

• A background job runs daily and checks for transfers with auto-pay enabled that are due today.
• When triggered, it creates linked transactions in both accounts (a debit in the source, a credit in the destination).
• The due date advances to the next occurrence automatically.
• Transfers with auto-pay show an Auto-pay badge in the list.

Warning: If either the source or destination account is deleted, auto-pay will fail and be disabled. You will need to update the transfer and re-enable it.

Marking as Paid#

Click Mark Paid on any transfer to record the movement. This creates two linked transactions:

1. A debit (withdrawal) in the source account for the transfer amount.
2. A credit (deposit) in the destination account for the same amount.

Both transactions are linked together and reference the transfer name for easy identification. The transfer's due date then advances to the next occurrence based on its frequency.

Tip: If you mark a transfer paid accidentally, click Undo in the notification that appears briefly after payment. This removes both the debit and credit transactions.

Skipping a Transfer#

Click Skip on a transfer to move its due date on to the next occurrence without moving any money. This is useful when a transfer is not going to happen this time, for example a savings sweep you are pausing for a month, or one you have already made outside the app. Any transactions pre-booked for the skipped date are removed, and the next occurrence is pre-booked in their place, so the transaction list and forecasts show the new date.

The Skip button is only shown on recurring transfers that have not yet been paid this month. A one-time transfer cannot be skipped, as it has no next occurrence.

Tip: If you skip a transfer by mistake, click Undo in the notification that appears briefly afterwards. This puts the previous due date back.

Monthly Equivalent#

Each transfer displays a Monthly Equivalent amount regardless of its actual frequency. This normalizes all transfers to a monthly figure so you can easily compare their impact on your cash flow.

Tip: The monthly equivalent is especially useful when comparing transfers of different frequencies side by side — it answers "how much does this cost me per month?"

Related Features#

• Bills — Transfers use the same underlying system as bills (frequencies, auto-pay, due dates). Bills track external payments while transfers track internal movements.
• Accounts — Transfers link two accounts and keep both balances synchronized.
• Transactions — Each paid transfer creates linked debit and credit transactions.

Settings#

Transfers do not have dedicated settings. They share the notification system with bills — reminders use the Nextcloud notification system and respect your Nextcloud notification preferences.