Overview
Quicken Simplifi excludes Transfers, including credit card payments, from the Spending Plan by default because they move money between accounts rather than count as income or expenses.
You can choose to include Transfers in your Spending Plan if needed. For more information, see How Do Transfers Work in Quicken Simplifi?
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.
Including 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
Tap the Menu icon (three lines), then select Accounts.
Select the account containing the transfer transaction.
Locate and tap the transaction.
Scroll down and uncheck Exclude from Spending Plan.
Tap Update.
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
Tap the Menu icon (three lines).
Select Settings, then Recurring Series.
Locate the recurring transfer series and tap the three-dot icon next to it.
Select Edit Series.
Tap the Exclusions option, then uncheck Exclude from Spending Plan.
Tap Apply, then tap 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 web app, please see our article on Handling Transfers in the Spending Plan.
If you have any questions about Quicken Simplifi, our support team is here to help.