Summary
Nance treats transfers between your own accounts as self-transfers, not as income or expense. It identifies both sides of the transaction and handles them in a way that avoids double counting.
How This Works in Nance
When money moves between your own accounts (e.g., bank → bank, bank → credit card), Nance classifies it as a Self Transfer.
What Nance Detects
- One side → Debit (expense) from one account
- Other side → Credit (income) into another account
Instead of counting both separately, Nance links them as a single transfer event.
How It Appears in Analytics
Nance handles self-transfers differently based on what you're viewing:
When “All” is Selected (Spend Type)
- Income and expense sides are shown separately per account
- This helps you understand money movement across accounts
When “Income” or “Expense” is Selected
- Only that side of the transfer is shown
- Still treated independently, not merged
When “Self Transfer” is Selected
- Nance combines both sides into a single representation
- The higher amount is treated as the main value
- The lower amount is shown as a stacked portion (if both exist)
- If only one side exists, only that amount is shown
Why This Matters
- Prevents double counting of your money
- Keeps your spending and income accurate
- Still gives visibility into how money moves between accounts
Money didn’t leave your world—it just changed rooms. Nance knows the difference.