Overview
By design, Quicken Simplifi treats transfers, including credit card payments, as neither income nor expenses. Because transfers simply move money between your own accounts, they don't affect your net worth and are excluded from the Spending Plan by default.
If you'd like to include transfers in your Spending Plan, there are options available. For more information about how transfers work in Quicken Simplifi, click here.
How Does It Work?
Transfers—whether they're Recurring Transfers or individual transfer transactions—are any transactions that use a transfer category (such as Credit Card Payment) or transfer funds between your accounts (linked transfers). These transactions are excluded from the Spending Plan by default.
When excluded, they'll still appear in the Bills section of the Spending Plan, but they'll be grayed out under Excluded This Month.
Include Transfers in the Spending Plan
You can choose to include Recurring Transfers and transfer transactions in your Spending Plan.
For linked transfers, where both sides of the transfer appear in Quicken Simplifi (money leaving one account and entering another), you can include either one side or both sides in the Spending Plan, giving you flexibility in how transfers are tracked.
Include a Transfer Transaction
Hover over the left sidebar and select Transactions.
Find the transfer transaction you want to include in the Spending Plan.
Hover over the transaction and click the three-dot menu.
Under Exclude From, click Spending Plan to clear the checkmark.
Note: To include both sides of a linked transfer in the Spending Plan, repeat these steps for the other side of the transfer.
Include a Recurring Transfer Series
Click the Settings (gear) icon in the upper-right corner.
Select All Recurring.
Find the Recurring Transfer series you want to include and click the three-dot icon next to it.
Select Edit Series.
Under Exclude From, clear the Spending Plan checkbox.
Click Update.
Note: For Recurring Linked Transfers, you can choose to include the Money Out side, the Money In side, or both in the Spending Plan. The Money Out side is associated with the Select Account field, while the Money In side is associated with the Category field.
If you're looking for the steps specific to the mobile app, please see our article on Handling Transfers in the Spending Plan on the Mobile App.
If you have any questions or need help with Simplifi, our support team is here to help.