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smart-split

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Original

English
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Translation

Chinese

Smart Split

智能拆分

Overview

概览

Split one transaction into multiple category allocations. Useful for mixed-purpose purchases like a Costco trip that includes groceries, household supplies, and electronics — or a business meal that's partially deductible.
将一笔交易拆分为多个类别分配。适用于混合用途的采购，例如一次 Costco 购物同时包含食品杂货、家居用品和电子产品，或一笔部分可抵扣的业务餐费。

Wilson Tools Used

使用的 Wilson 工具

  • transaction_search
    — find the transaction to split
  • categorize
    — assign categories to the resulting split entries
  • transaction_search
    — 查找要拆分的交易
  • categorize
    — 为拆分生成的条目分配类别

Workflow

工作流

  1. Ask the user which transaction to split (by description, date, or amount).
  2. Use 
    transaction_search
    to find and confirm the target transaction.
  3. Ask how the transaction should be split:
    • By specific dollar amounts (e.g., "$50 groceries, $30 household, $20 electronics")
    • By percentage (e.g., "50% groceries, 30% household, 20% electronics")
  4. Validate that split amounts sum to the original transaction amount.
  5. Mark the original transaction as a parent/split transaction.
  6. Create child transactions for each split portion with:
    • Same date and description as the parent (with category suffix)
    • The allocated amount
    • The assigned category
  7. Confirm the split with a summary table.
  1. 询问用户要拆分哪笔交易（按描述、日期或金额）。
  2. 使用 
    transaction_search
    查找并确认目标交易。
  3. 询问应如何拆分交易：
    • 按具体金额拆分（例如“$50 食品杂货、$30 家居用品、$20 电子产品”）
    • 按百分比拆分（例如“50% 食品杂货、30% 家居用品、20% 电子产品”）
  4. 验证拆分金额之和是否等于原始交易金额。
  5. 将原始交易标记为父交易/拆分交易。
  6. 为每个拆分部分创建子交易，包括：
    • 与父交易相同的日期和描述（附加类别后缀）
    • 分配金额
    • 分配的类别
  7. 使用汇总表确认拆分结果。

Without Wilson

不使用 Wilson

To split transactions manually in a spreadsheet:
  1. Find the transaction row (e.g., "COSTCO" for -$100.00).
  2. Change the amount in that row to the first split portion (e.g., -$50.00) and set its category (e.g., "Groceries").
  3. Insert new rows below for each additional portion:
    DateDescriptionAmountCategory
    2025-03-15COSTCO (Groceries)-50.00Groceries
    2025-03-15COSTCO (Household)-30.00Household
    2025-03-15COSTCO (Electronics)-20.00Electronics
  4. Verify the split: 
    =SUMIF(B:B,"COSTCO*",C:C)
    should equal the original -$100.00.
  5. Add a "Split" or "SplitGroup" column with a shared ID so you can trace splits back to the original.
如需在电子表格中手动拆分交易：
  1. 找到交易所在行（例如金额为 -$100.00 的“COSTCO”）。
  2. 将该行的金额改为第一个拆分部分的金额（例如 -$50.00），并设置其类别（例如“食品杂货”）。
  3. 在下方为每个其他拆分部分插入新行：
    日期描述金额类别
    2025-03-15COSTCO（食品杂货）-50.00食品杂货
    2025-03-15COSTCO（家居用品）-30.00家居用品
    2025-03-15COSTCO（电子产品）-20.00电子产品
  4. 验证拆分结果：
    =SUMIF(B:B,"COSTCO*",C:C)
    应等于原始金额 -$100.00。
  5. 添加“Split”或“SplitGroup”列并使用共享 ID，以便将拆分记录追溯到原始交易。

In YNAB or Mint

在 YNAB 或 Mint 中

  • YNAB: Click the transaction > "Split" button > add category lines with amounts.
  • Mint (now Credit Karma): Click the transaction > "Split transaction" > add categories and amounts.
  • YNAB：点击交易 > “拆分”按钮 > 添加类别行及对应金额。
  • Mint（现为 Credit Karma）：点击交易 > “拆分交易” > 添加类别和金额。

Important Notes

重要说明

  • Split amounts must sum exactly to the original transaction amount. Wilson will warn if there's a discrepancy.
  • The original transaction is preserved with a 
    split: true
    flag so reports can show either the consolidated or split view.
  • Splits cannot be nested (you can't split a split).
  • To undo a split, ask Wilson to merge the split entries back into the original transaction.
  • 拆分金额之和必须与原始交易金额完全一致。如果存在差异，Wilson 会发出警告。
  • 原始交易会保留，并带有 
    split: true
    标志，以便报表显示合并视图或拆分视图。
  • 拆分不能嵌套（不能拆分已经拆分的交易）。
  • 如需撤销拆分，请要求 Wilson 将拆分条目重新合并到原始交易中。