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Categories

Categories help organize transactions and analyze expenses by type.

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Default categories

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Expense categories

🍔 Food & Dining
  • Groceries
  • Restaurants and cafes
  • Food delivery
  • Alcohol
🚗 Transportation
  • Public transport
  • Taxi
  • Gas
  • Parking
  • Car maintenance
🏠 Home
  • Rent
  • Utilities
  • Repairs
  • Furniture
  • Appliances
🛍️ Shopping
  • Clothing and shoes
  • Electronics
  • Gifts
  • Hobbies
💊 Health
  • Pharmacy
  • Doctors
  • Fitness
  • Insurance
🎓 Education
  • Courses
  • Books
  • Subscriptions
🎬 Entertainment
  • Movies and theater
  • Games
  • Travel
  • Sports
💰 Finance
  • Bank fees
  • Interest
  • Taxes
  • Insurance

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Income categories

  • 💼 Salary
  • 💻 Freelance
  • 🎁 Gifts
  • 📈 Investments
  • 🏠 Rental Income
  • 💸 Refund
  • 🎰 Other

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Creating a category

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Quick creation

  1. Settings → Categories
  2. + (Create category)
  3. Fill in:
    • Name - e.g., “Pets”
    • Icon - choose from SF Symbols
    • Color - select color
    • Type - Expense or Income
  4. Create
⏱️ Time: 15 seconds

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Creating a subcategory

To organize similar expenses:
  1. Settings → Categories
  2. + → Create subcategory
  3. Select parent category
  4. Fill in subcategory data
  5. Create
Example hierarchy: 
🍔 Food & Dining (parent)
  ├─ Groceries (subcategory)
  ├─ Restaurants (subcategory)
  └─ Food delivery (subcategory)
Benefits:
  • Detailed analytics
  • Grouping in reports
  • Convenient navigation

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Duplication rules

Important: You cannot create two categories with the same name for one type (expense or income).Allowed: Use the same name for different types.Example:
  • “Rent” (expense) - paying for apartment ✅
  • “Rent” (income) - rental income ✅
  • These are two different categories
If you try to create a duplicate, you’ll see the message: “A category with this name already exists for this type”.

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Editing categories

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Modifying a category

  1. Settings → Categories
  2. Tap on category
  3. Change:
    • Name
    • Icon
    • Color
    • Parent category
  4. Save

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Moving a category

Change order:
  1. Settings → Categories
  2. Edit
  3. Hold ≡ and drag
  4. Done
Make it a subcategory:
  1. Open category
  2. Parent category
  3. Select parent
  4. Save
Make it a main category:
  1. Open subcategory
  2. Parent category
  3. Select “None”
  4. Save

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Merging categories

If you created duplicates:
  1. Settings → Categories
  2. Select category to delete
  3. Merge with…
  4. Select target category
  5. All transactions will move to target category
  6. Confirm

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Deleting a category

When deleting a category, all transactions will move to “Uncategorized”
How to delete:
  1. Settings → Categories
  2. Swipe left on category
  3. Delete
  4. Confirm
Alternative: Hide the category instead of deleting

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Hiding a category

If category is no longer used:
  1. Open category
  2. Enable Hide
  3. Save
What happens:
  • Category doesn’t appear when creating transactions
  • Old transactions keep this category
  • Can be shown again at any time
Show hidden:
  1. Settings → Categories
  2. Show hidden
  3. Select category
  4. Disable Hide

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Icons and colors

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Choosing an icon

Available libraries:
  • SF Symbols (3000+ icons)
  • Emoji
How to choose:
  1. When creating/editing category
  2. Tap on icon
  3. Select from library or enter emoji
  4. Select
Recommendations:
  • Use clear icons
  • One icon = one category
  • Emoji for quick recognition

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Choosing a color

Palette:
  • 20 preset colors
  • Or custom color (HEX)
Recommendations:
  • Similar categories - similar colors
  • Expenses - warm colors (red, orange)
  • Income - cool colors (green, blue)
  • Important categories - bright colors

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Categorization rules

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Creating a rule

Automatic category assignment:
  1. Settings → Automation → Categorization rules
  2. + Create rule
  3. Fill in:
    • If description contains - keyword
    • Then category - select category
    • And account (optional) - for specific account
  4. Save

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Rule examples

KeywordCategory
”Lidl”, “Walmart”, “Target”Groceries
”Uber”, “Lyft”Transportation
”Netflix”, “Spotify”Subscriptions
”Starbucks”, “Coffee”Cafes
”Gas Station”, “Fuel”Transportation
”Pharmacy”Health

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Rule priority

If multiple rules match:
  1. Rules are applied top to bottom
  2. First matching rule triggers
  3. Others are ignored
Change order:
  1. Settings → Categorization rules
  2. Edit
  3. Drag rules
  4. Done

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Applying rules

To new transactions:
  • Rules are applied automatically
To existing transactions:
  1. Search → select transactions
  2. ⋯ → Apply rules
  3. Thrust will recalculate categories

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ML categorization

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Automatic categorization with AI

How it works:
  1. You add a transaction
  2. AI analyzes:
    • Description
    • Amount
    • Location
    • Your previous transactions
  3. Suggests the most likely category
Learning: The more transactions you add, the more accurate AI suggestions become. Enable/disable:
  1. Settings → Transactions
  2. ML categorization
  3. Toggle on/off

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Training the model

AI learns from your actions:
  • You select a category → AI remembers
  • You correct a category → AI adjusts the model
  • You create rules → AI considers them
Reset training:
  1. Settings → ML categorization
  2. Reset model
  3. AI will start learning from scratch

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Category analytics

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Viewing expenses by category

Trends tab:
  1. Open Trends (📊)
  2. Expenses by category
  3. You’ll see:
    • Pie chart
    • Percentage of each category
    • Amount by category
    • Comparison with previous period
Filters:
  • By period (week, month, year)
  • By accounts
  • Expenses/income only

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Category details

Tap on category for details: Statistics:
  • Total spent for period
  • Number of transactions
  • Average transaction amount
  • Largest transaction
Chart:
  • Expenses by day
  • Trend (rising/falling)
  • Comparison with previous period
Transactions:
  • All transactions in this category
  • Sort by date/amount
  • Quick editing

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Data export

Export by category:
  1. Open category in Trends
  2. ⋯ → Export
  3. Select format (CSV or PDF)
  4. Select period
  5. Export

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Category budgets

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Budget connection

Each budget is linked to a category:
  1. Create a budget
  2. Select category
  3. All expenses in this category count toward the budget
Multi-category budgets: You can create a budget for multiple categories: Example: “Home” budget = Rent + Utilities + Repairs

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Viewing category budget

From category:
  1. Open category in Trends
  2. If budget exists, you’ll see:
    • Budget limit
    • Spent
    • Remaining
    • Progress
Quick budget creation:
  1. Open category
  2. Create budget
  3. Thrust will suggest amount based on history
  4. Adjust and Create

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Tips and best practices

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Organizing categories

Don’t create too many:
  • 10-15 main categories is enough
  • Use subcategories for details
  • Too many categories = confusion
Group logically:
  • Similar expenses in one category
  • Use hierarchy
  • Don’t split small expenses
Examples of good structure: 
🍔 Food (main)
  ├─ Groceries
  ├─ Restaurants
  └─ Delivery

🚗 Transportation (main)
  ├─ Gas
  ├─ Taxi
  └─ Public transport

🏠 Home (main)
  ├─ Rent
  ├─ Utilities
  └─ Repairs

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Naming categories

Good names:
  • Short and clear
  • Describe expense type
  • No abbreviations
Examples:
  • ✅ “Groceries”
  • ✅ “Restaurants & Cafes”
  • ✅ “Public Transport”
  • ❌ “Food1”
  • ❌ “PT”
  • ❌ “Misc”

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Using rules

Create rules for:
  • Frequent places (supermarkets, gas stations)
  • Subscriptions (Netflix, Spotify)
  • Regular payments
Don’t create rules for:
  • Rare purchases
  • Unique transactions
  • Too generic words

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Regular review

Every 3 months:
  • Check used categories
  • Merge similar ones
  • Delete unused ones
  • Create new ones if needed
Analyze:
  • Which categories are used most
  • Are there many “Uncategorized” transactions
  • Do you need new subcategories

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Frequently asked questions

Q: How many categories can I create? A: Unlimited. But we recommend 10-20 main ones for convenience. Q: Can I change the category for multiple transactions at once? A: Yes. Select transactions → Change category → Select new one. Q: What to do with “Uncategorized” transactions? A: Periodically review them and assign categories. Or create rules for automation. Q: Can I restore a deleted category? A: No. But you can create a new one with the same name and manually reassign transactions. Q: How to move a subcategory to another parent? A: Open subcategory → Edit → Select new parent category. Q: Does category order affect anything? A: Only the display in the list when creating transactions. Put frequently used ones at the top. Q: Can I use one category for both expenses and income? A: Yes, but these are two different categories with the same name. For example, “Rent” (expense) and “Rent” (income).

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Next steps

Transactions

Managing transactions

Budgets

Creating category budgets

AI CFO

Ask AI about categories

Getting started

Back to start