Transactions

Transactions are the core records in Coincert. Every purchase, payment, deposit, and transfer is tracked as a transaction within an account.

Transactions are grouped by date with category icons, amounts, and a running balance.

Adding Transactions

iPhone iPad iPhone and iPad

1. Open an account from the Accounts screen.
2. Tap the + button in the toolbar and choose Add Transaction.
3. Fill in the transaction form:
   • Date — Defaults to today. Tap to pick a different date.
   • Payee — The merchant or person. As you type, Coincert suggests previously used payees.
   • Amount — Enter the dollar amount. A decimal keypad appears automatically.
   • Memo (optional) — A note from the source, such as a reference number.
   • Type — Toggle between Expense and Income. Expenses are stored as negative amounts, income as positive.
   • Category — Select from your category list, organized into Income and Expense groups. You can also create a new category inline.
4. Tap Save. The transaction is added and the account balance updates immediately.

Mac macOS

On macOS, The Score register offers two ways to add transactions:

• Quick-entry row — The bottom row of the register is always ready for a new transaction. Type the payee, amount, and optionally select a category, then press Return to save. The cursor stays in the entry row for the next transaction. Use Cmd+N to jump to this row at any time.
• Add Transaction dialog — Use the + menu and select Add Transaction to open the same form used on iOS.

Transaction Fields

Every transaction includes the following fields:

Editing Transactions

iPhone iPad iPhone and iPad

Tap any transaction in the list to open the detail editor. From there you can change any field: date, payee, amount, memo, notes, category, Riffs, flags, and reconciliation status.

Changes save automatically as you make them. If you change your mind, tap Cancel and choose Discard to revert to the original values. If you try to swipe the sheet away with unsaved changes, Coincert asks you to confirm before discarding.

Mac macOS

In The Score register, click a row to edit the date, payee, and amount inline. For the full detail editor (categories, Riffs, Harmonics, notes, and other fields), press Cmd+I or choose “Open Detail” from the right-click menu.

Deleting Transactions

iPhone iPad iPhone and iPad

Swipe left on a transaction and tap Delete. The transaction is removed and the account balance is adjusted automatically.

Mac macOS

Select a transaction in The Score register and press Cmd+Delete. A confirmation dialog appears: “This transaction will be permanently removed.” Click Delete to confirm.

All Platforms

When a transaction is deleted:

• The account balance is reversed by the transaction amount.
• The transaction is removed from iCloud sync.
• Any associated Harmonics (splits) are deleted along with it.

Harmonics (Split Transactions)

Harmonics let you allocate a single transaction across multiple categories. For example, a $150 grocery store purchase might include $120 of groceries and $30 of household supplies.

Creating Harmonics

1. Open a transaction’s detail view.
2. In the Category section, tap Harmonics Split.
3. The Harmonics editor opens, showing the transaction’s total amount.
4. Tap Add Harmonic to create a split line. For each harmonic, set:
   • A category (or leave uncategorized).
   • A dollar amount or percentage of the total. Toggle between modes with the Entry Mode picker at the top.
5. The footer tracks how much has been allocated and how much remains.
6. When all harmonics sum to the transaction total, a green “Harmonics are balanced” indicator appears.
7. Tap Done to save.

Balancing Tools

If your harmonics do not add up to the transaction total, Coincert provides two shortcuts:

• Add Remainder Harmonic — Creates a new harmonic for the unallocated amount.
• Adjust Last Harmonic to Balance — Modifies the last harmonic’s amount so the total matches exactly.

You can save unbalanced harmonics (with a warning), but balanced splits give you the most accurate category reporting.

Clearing Harmonics

To revert a split transaction back to a single category, open the Harmonics editor and tap Clear All Harmonics. The transaction returns to single-category mode.

Viewing Harmonics

When a transaction has harmonics, the detail view shows each split line with its category icon, name, amount, and percentage. The section header displays the total number of harmonics.

Riffs (Tags)

Riffs provide a second layer of organization beyond categories. While a transaction has one category (or Harmonics), it can have any number of Riffs. Use Riffs for cross-cutting concerns like “vacation,” “tax deductible,” “reimbursable,” or project names.

Adding Riffs

1. Open a transaction’s detail view.
2. Scroll to the Riffs section.
3. Tap Add Riff to open the tag picker.
4. Select one or more existing Riffs, or create a new one with a custom name and color.
5. Close the picker. Selected Riffs appear as colored chips on the transaction.

Removing Riffs

Tap the X button on any Riff chip to remove it from the transaction.

Searching by Riffs

Use the Advanced Filters in Search to filter transactions by specific Riffs. See the Search section below.

Stage Names (Payee Rename Rules)

Bank transaction descriptions are often cryptic — “AMZN MKTP US*3F7K2L0” instead of “Amazon.” Stage Names let you rename payees and set up rules so future imports are renamed automatically.

Renaming a Single Transaction

1. Open a transaction and change the payee name to something readable (e.g., change “AMZN MKTP US*3F7K2L0” to “Amazon”).
2. Tap Done.

Batch Rename

If other transactions share the same original payee, Coincert detects them and presents the Stage Names sheet:

• Header shows the old name crossed out with an arrow to the new name.
• Rename similar transactions — Toggle on to rename all matching transactions at once. The count of matches is displayed.
• Auto-rename future transactions — Toggle on to create a Stage Name rule. Any future imports matching the original payee will be renamed automatically before they even appear in your list.

Tap Apply to execute, or Skip to rename only the single transaction you edited.

How Rules Work

Stage Name rules run automatically during import (OFX, QFX, CSV, and bank sync). They execute before Auto-Tune categorization, which means renamed payees get better category matches since the AI recognizes clean merchant names more reliably.

Echo Detection (Duplicate Detection)

Echo Detection identifies potential duplicate transactions — the same purchase appearing twice due to overlapping imports, manual entry alongside bank sync, or bank-side posting quirks.

How It Works

Echo Detection compares transactions using three signals:

• Date proximity — How close the dates are.
• Amount match — Whether the amounts are identical or nearly identical.
• Payee similarity — A fuzzy string match that normalizes merchant names (removing prefixes like “POS” or “ACH” and suffixes like “LLC” or “Inc”).

These signals combine into a confidence score. Coincert supports three strictness levels:

During Import

When you import transactions, Echo Detection runs automatically and flags potential duplicates before they are committed. You can review each flagged pair and choose to import, skip, or merge.

Merging Duplicates

When two transactions are identified as duplicates (either during import or via manual selection), you can merge them:

1. iPhone iPad In multi-select mode, select exactly two transactions and tap Merge in the bottom toolbar.
2. The Merge view shows a side-by-side comparison of both transactions.
3. For each field where the values differ (date, amount, merchant), tap the arrow to choose which value to keep.
4. Your personal enrichments — category, notes, Riffs, and flags — are always preserved from the manual entry.
5. Tap Merge to combine them into one transaction. The duplicate is deleted and the account balance is adjusted.

Unmerging

If you merged transactions by mistake, open the surviving transaction’s detail view. The Bank Sync section shows “Merged Transaction” with the merge date. Tap Unmerge Transaction to split them apart. The removed transaction is recreated from the stored merge history.

Crossfade (Transfer Detection)

Crossfade identifies transfers between your accounts — a withdrawal from checking that matches a deposit into savings, for example. Without Crossfade, these would appear as unrelated expense and income transactions, distorting your spending reports.

How It Works

Crossfade analyzes all your transactions looking for pairs that match these criteria:

• Same absolute amount with opposite signs (one debit, one credit).
• Same date.
• Different accounts (you cannot transfer to the same account).

Additional signals that increase confidence:

• Transfer-related keywords in the payee name (“transfer,” “xfer,” “online transfer,” etc.).
• Payee names that reference the other account’s name.

Pairs with a confidence score of 60% or higher are flagged as potential transfers.

Linking Transfers

When Crossfade identifies a transfer pair, you can link them. Linking:

• Groups the two transactions together with a shared identifier.
• Adds descriptive memos (“Transfer to Savings,” “Transfer from Checking”) if the memo fields are empty.

Linked transfers can be excluded from spending and income reports so they do not inflate your totals.

Auto-Tune (Automatic Categorization)

Auto-Tune automatically assigns categories to your transactions using a three-tier classification pipeline. It runs whenever new transactions are added — through manual entry, file import, or bank sync.

The Three Tiers

1. Learned Rules (highest priority) — Patterns Coincert has learned from your past corrections. If you once changed “Spotify” from Uncategorized to Entertainment, Auto-Tune remembers and applies that choice to all future Spotify transactions. See Ear Training below.

2. Built-in Merchant Patterns — A curated set of rules mapping common merchants to categories (e.g., “Walmart” to Groceries, “Shell” to Gas & Fuel).

3. ML Prediction (fallback) — A machine learning model that analyzes the payee name and transaction characteristics to predict the most likely category.

Confidence Threshold

Auto-Tune only assigns a category when its confidence exceeds your configured threshold (default: 85%). Transactions below the threshold remain uncategorized for you to review. You can adjust this threshold in Settings — lower it to let Auto-Tune handle more transactions automatically, or raise it if you prefer to review more manually.

Accuracy Tracking

Coincert tracks Auto-Tune’s accuracy over time: how many auto-assigned categories were kept versus how many you corrected. You can view these statistics in Settings.

Ear Training (Merchant Intelligence / AI Learning)

Ear Training is how Coincert learns from your corrections to get smarter over time. Every time you change a category that Auto-Tune assigned, Coincert records the correction and updates its learned rules.

How It Works

1. Auto-Tune categorizes a transaction (e.g., assigns “Costco” to Groceries).
2. You change the category to Household Supplies.
3. Coincert records this correction: “When the user sees Costco, they prefer Household Supplies.”
4. A brief learning indicator appears at the top of the screen (a brain icon with a message) confirming the correction was recorded.
5. Next time a Costco transaction arrives, the learned rule takes priority over the built-in rule and the ML model.

Priority Order

Learned rules always win. The categorization pipeline checks in this order:

1. Merchant disambiguation (for multi-merchant payees like Amazon where the memo helps identify the specific seller).
2. Your learned rules from past corrections.
3. Built-in merchant patterns.
4. ML prediction.

Split Pattern Learning

If you consistently split a particular merchant’s transactions the same way using Harmonics (e.g., always splitting Costco into 70% Groceries and 30% Household), Coincert learns this split pattern and can suggest it for future transactions from the same merchant.

Search

Coincert provides a full-featured search interface for finding transactions across all your accounts.

Opening Search

• iPhone iPad Tap the magnifying glass icon in the toolbar while viewing an account’s transaction list.
• Mac Click the magnifying glass icon in The Score toolbar.

Search opens as a sheet with three components: a text search bar, quick filter chips, and results.

Text Search

Type in the search bar to filter transactions by payee name, amount, or notes. Results update as you type.

Quick Filters

A row of tappable filter chips provides one-tap filtering for common needs (such as flagged transactions, uncategorized transactions, or specific time periods). You can combine multiple quick filters.

Advanced Filters

Tap the filter menu (the lines icon in the toolbar) and choose Advanced Filters to access the full filter builder:

• Date Range — Set a start and/or end date.
• Amount Range — Set minimum and/or maximum amounts.
• Transaction Type — Income only, expenses only, or flagged only.
• Categories — Select one or more categories to filter by. You can also toggle “Include Uncategorized.”
• Riffs — Filter by specific Riffs (tags).
• Accounts — Limit results to specific accounts.
• Filter Logic — Choose AND (all conditions must match) or OR (any condition can match).

Saving Filters

After building a filter, tap Save Filter to save it with a name for future use. Access saved filters from the filter menu under Saved Filters.

Results

Search results are grouped by date with a count badge at the bottom showing the total number of matching transactions. Tap any result to open its detail view.

Importing Transactions

Coincert supports importing transactions from bank statement files in three formats:

• OFX (Open Financial Exchange) — The standard format used by most US banks.
• QFX (Quicken Financial Exchange) — Intuit’s variant of OFX, functionally identical.
• CSV (Comma-Separated Values) — A flexible format exported by many banks and financial tools.

How to Import

1. Open an account’s transaction list.
2. Tap the + menu and choose Import Transactions.
3. Select a file from your device. Coincert detects the format from the file extension.
4. For CSV files: Coincert shows a column mapping step. It auto-detects common column names (Date, Amount, Payee, Memo), but you can adjust the mapping manually. Tap Continue to proceed.
5. For OFX/QFX files: Coincert parses the file and skips directly to the preview step. The ledger balance from the file is displayed if available.
6. Review the preview of transactions to be imported.
7. Confirm the import. Transactions are added to the account, and Auto-Tune runs automatically to categorize them.

Import at Account Creation

You can also import an OFX/QFX file when creating a new account. See the Accounts documentation for details.

Echo Detection During Import

Echo Detection runs automatically during import to flag transactions that may already exist in your account. See the Echo Detection section above.

Platform Differences Summary

All smart features — Auto-Tune, Ear Training, Harmonics, Riffs, Stage Names, Echo Detection, and Crossfade — work identically on all platforms. The differences are limited to how you navigate and interact with the interface.