The Transactions tab is the first tab on the Spending page (in the left sidebar of any client file, marked Beta). It's the full ledger of a client's bank and credit card transactions. This is where you filter down to the transactions you care about and set or fix their categories.
Every transaction shows its date, description, merchant, amount, account, and current category. Next to the category you'll see where it came from: Manual, Rule, AI, or Uncategorized.
The Spending tab is visible to both advisors and clients in the portal. Categories you set and rules you create apply to that client's transactions only.
What the Category Source Labels Mean
This is the most useful thing to understand on this tab.
Manual — You set this category by hand on this specific transaction. Manual always wins. Nothing (no rule, no re-import) will overwrite it.
Rule — A spending rule matched this transaction and set the category. Change the rule and every transaction it covers updates.
AI — Kerdora auto-categorized it when it came in. This is a best guess. It's the one to review.
Uncategorized — Nothing has categorized it yet. Worth a look.
The priority is simple: Manual beats Rule beats AI. If you want a one-off fixed, set it on the transaction. If you want a pattern fixed everywhere, use a rule (see Spending Rules).
Filtering Down
Filtering is how you make a long ledger usable. The filters available:
Search — Free text across merchant, description, and account.
Account — One specific linked or imported account.
Category — A specific category, or Uncategorized to find what still needs attention.
Tags — Transactions carrying a specific tag.
Type — Income, spending, transfer, or hidden.
Date range — A start and end date.
Amount range — A minimum and maximum amount.
Filters stack. A common cleanup pass: filter Category to Uncategorized, then work down the list assigning categories. If the list is empty you'll see "No transactions match the current filters" — clear a filter to widen it back out.
Setting a Category on a Transaction
To categorize a transaction, set its Transaction category directly on the row. There's a searchable category picker — start typing and it filters the list. The category source flips to Manual once you do this, which means it's locked in and won't be changed by a rule or a re-sync.
If you find yourself setting the same category on the same kind of transaction over and over (every Costco run, every payroll deposit), stop and make a rule instead. One rule beats fifty manual edits and keeps working on future transactions.
Hiding Transactions From Spending
Some transactions shouldn't count toward spending: a credit card payment, a transfer between the client's own accounts, a reimbursed expense. Use Hide from spending on the transaction to pull it out of the spending totals. It stays in the ledger (you can still see it), it just doesn't distort the Cash Flow view. To bring it back, use Show in spending.
Like categories, hiding can be done per-transaction or in bulk with a rule. If every payment to a particular credit card should be hidden, a rule handles it once and forever.
Tags vs. Categories
A transaction has exactly one category but can carry multiple tags. Categories drive the spending structure and reports. Tags are flexible labels for slicing across categories — "Reimbursable," "Tax," "Business." Add or remove tags on the transaction. See Spending Categories, Groups, and Tags for managing the tag list itself.
The Practical Workflow
Filter Category to Uncategorized and clear out the easy ones.
For anything that repeats every month, make a rule instead of hand-categorizing.
Hide transfers and credit card payments (a rule is good for this too).
Spot-check the AI-labeled transactions for anything obviously wrong.
Switch to the Cash Flow tab to see the cleaned-up picture.