# Split transaction between checking and cash accounts

Hello,

I am trying to figure out the logic beyond a split transaction that part of the amount is paid with cash.

for simplicity, if a transaction amount is \$40.

Paying \$10 from my cash, and the \$30 from debit card.

When actually inputting this information as a split transaction, i see that YNAB is adding \$10 to the cash balance instead of decreasing it. and from the debit card the entire \$40 was removed from the balance.

Can someone explain the logic behind it?

How can you actually handle a scenario like a listed above with a split transaction? the only way i was able to do it as by creating 2 transactions, one in each account with the proper amount.

is their a better way?

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• I assume you have a cash account, and the transaction can be entered in either that cash account or checking (with appropriate changes). The bottom line on split transactions is to reflect reality.

Assuming you'll enter this in checking, you'll need a \$30 outflow on the Net or top-line. (You know that's going to show up on your bank statement.) You spent \$40 on a Whatsit, so Split 1 should be a \$40 outflow categorized to Whatsit. You also used \$10 cash to help out, which is a \$10 inflow transfer in Split 2. (Again, this is from the perspective of the checking account.)

This keeps everything "together" for later reference, which I prefer over separate transactions.

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• Thank you very much!

My problem was that i was always putting the total amount on the net/top line, and then trying to figure out it in the splits.

But, when doing as you said, it is reflected correctly! thank you again!

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• dakinemaui
• dakinemaui
• 10 mths ago
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Spring Green Clarinet Yep, the key to splits is what will show up on your statement (i.e., reality) for that account shows up on the top line. You can fill in the lines you're sure about, and the rest mostly take care of themselves.

As an example, if you record this in the cash account, the top-line would be \$10 outflow and the transfer split line would be a \$30 inflow from checking. I frequently make these mixed-funding transactions (e.g., Amazon Gift Balance+Amazon CC or Paypal Balance+Checking Balance) and typically record in whichever account has the larger outflow.

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• 10 mths agoLast active
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