Overview
In Liquify, transactions are not the budget. The plan lives in boxes. Transactions are activity evidence on a linked account—recent charges and transfers you can browse on Accounts. You do not need a full ledger to run the plan.
Where they come from
| Source | How you get them |
|---|---|
| Bank Sync | Synced from a connected bank on a linked box |
| Crypto addresses | Recent allowlisted stablecoin transfers on a linked crypto account |
| Manual | Add a row on a manual account |
| CSV import | Bulk import on a manual account (see below) |
Bank and crypto activity is provider-owned and read-only. Manual and CSV rows are user-authored evidence.
Manual transactions and balance
On a manual account:
- Adding a non-zero transaction updates the balance.
- Editing, deleting, or clearing transactions does not change the balance.
That keeps the balance you set as the source of truth while transactions stay optional evidence.
CSV import (manual accounts)
On a manual account, open Import CSV. Keep the header row, then choose Add (merge) or Replace. Sample file: Manual transactions sample CSV.
Up to 1000 rows per account.
| Column | Notes |
|---|---|
| date | Posting date. Example: 2026-10-01 (YYYY-MM-DD or common day/month/year). |
| name | Description. Cap: 100 characters. Example: Coffee. |
| amount | Signed amount; use negative for outflows. Cap: absolute value up to 1,000,000. Example: -4.50. |
| currency | ISO 4217 code. Example: EUR. |
Add merges rows (new transaction rows can update the balance by the net of those rows). Replace swaps the list and does not change the account balance.
For investment holdings CSV, see Investments.
Crypto noise
Crypto transfers often arrive with generic or fixed-pattern descriptions, not merchant names like a bank statement. They are still useful to see amounts and timing on Accounts, but they are usually weaker for matching than bank text. Prefer clear expense names/descriptions when you rely on Transactions Analysis with bank-linked boxes.
Why they matter
Transactions help most on expense-driven boxes (dated bills and subscriptions):
- Transactions Analysis compares planned expenses on linked boxes with recent charges (about the last 30 days) to find drift—wrong amounts, wrong dates, missing charges, or forgotten recurring bills.
- Otherwise, the list is for visualization—confirm what hit the account without categorizing every purchase into the plan.
Fixed-amount and goal boxes mainly need the linked balance; you can ignore the transaction list there if you want. On expense-driven boxes, Expected in account shows how much to keep for upcoming bills.
What they are not
- Not a double-entry bookkeeping ledger
- Not required to keep Remaining at zero or to fund boxes
- Not automatically rewriting your plan—analysis suggests; you edit expenses when you agree