Feature — Categorize

Every transaction gets a home.
AI suggests. You decide.

The categorization workspace is where your uploaded transactions get labeled, sorted, and approved. Clarity AI prepares a suggested category for every row based on your patterns. You review each one, adjust what needs adjusting, and approve — nothing becomes permanent until you say so.

AI suggestions based on your patterns Business and personal in one workspace Bulk apply for recurring vendors

In this walkthrough you are seeing the categorization workspace in action: transactions loading from an uploaded statement, Clarity AI suggesting categories for each row, a mix of quick approvals and manual overrides, a bulk-apply for recurring vendors, and a split transaction being handled inline. Pay attention to how fast the workflow moves once you have a few months of pattern history built up — the AI gets significantly more accurate over time.

How it works

One workspace. Every transaction in order.

Transactions load from your uploaded statementsAfter uploading a bank or credit card statement, every transaction appears in the categorization workspace in date order, ready to review. Nothing skips the queue.

Clarity suggests a category for each rowBased on vendor name, dollar amount, account context, and your past patterns, Clarity prepares a suggested category for each transaction. Recurring vendors you have categorized before are recognized and pre-filled automatically.

You adjust, split, or bulk-apply as neededChange any suggestion by clicking the category field. Split a mixed-purpose transaction into two portions with their own labels. Select a group of identical vendors and bulk-apply one category to all of them at once. Add a memo to any row for your own records or your accountant.

Approve and your books updateWhen the workspace looks right, approve the batch. All categorizations flow into your dashboard and reports immediately. Nothing is permanent until you hit approve.

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Why it's different

Not a set-it-and-forget-it sorter. A review-and-approve workflow.

Most budgeting apps categorize in the background and show you the result after the fact. Money Mastery shows you every suggestion before it becomes part of your books — because the difference between 'client lunch' and 'personal meal' matters, and only you know which is which.

Nothing permanent without your approval

Every AI suggestion sits in a pending state until you review and approve it. Your books reflect what you decided, not what an algorithm guessed while you were away.

Bulk apply saves hours on recurring vendors

Your phone bill, your weekly supply order, your regular coffee shop — these never need to be manually categorized once Clarity learns them. Select all matching rows and apply the category in one click.

Split any transaction inline

One supply run that mixed business and personal items? Split it directly in the categorization view without leaving your workflow. Both portions land in the right place in your books.

Ready to use it

Categorize is included in every Money Mastery plan.

No add-ons. No upgrades required. Every feature in the system — account upload, categorization, the dashboard, split transactions, business/personal separation, share-with-accountant, and Clarity AI — comes with your membership.

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What the workspace gives you

Precision tools for real financial life.

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Business and personal side by side

Hold both sides of your financial life in one view. Toggle between accounts without losing your place. Each transaction is labeled to its correct side automatically based on which account it came from.

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Learned suggestions get smarter

Clarity does not start from scratch each month. It builds a pattern library from your categorization history. By month three, most of your regular transactions are pre-filled correctly before you even open the workspace.

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Search, sort, and filter

Find a specific vendor, filter to a date range, or sort by amount to spot large uncategorized items first. The workspace is built for focused work, not scrolling through hundreds of rows hoping to find the one thing you are looking for.

Common questions

Got questions?

Yes. The workspace shows all your uploaded accounts together. You move between a business checking account and a personal credit card without leaving the view. Each transaction carries its account label so you always know which side it belongs to.

Bulk apply lets you select multiple transactions and assign them the same category at once. It is most useful for recurring vendors — your regular coffee shop, your phone bill, your weekly supply order — where the category is always the same. Select all matching rows, pick the category once, and apply it to all of them simultaneously.

Yes. Every row has a memo field. Use it to flag a transaction for your accountant, record the business purpose of an expense, note something to review later, or document why a transaction was categorized a certain way.

Use the split transaction tool directly from the categorize view. It divides the charge between two portions, each with its own category and label. Both sides land in the correct place in your books and reports.

It depends on how much history you have built up. In the first month, expect to manually review and adjust more. By month three, with a solid pattern library, most recurring transactions are pre-filled correctly. You should always review — but the time required shrinks significantly as the system learns your habits.

Every transaction gets a home.AI suggests. You decide.