What More activity types changes
ReadyCents starts each account with a focused set of common transaction choices. Turn on More activity types from the account's Settings menu under Transaction entry to add less-common corrections, rewards, and investment entries for that account.
The setting is saved separately for each account. It only changes which choices appear in the transaction picker. It does not change the account type, balance, bank connection, or budget math. Your transaction direction also matters, so an inflow-only choice does not appear while entering an outflow.
Checking, savings, money market, and cash
Shown first
- Ready to Budget
- Assign Directly to an Envelope
- Return to Original Envelope
- Reimbursement Received
- Interest Earned
- Rewards or Cashback Received
- Bank Fee Reimbursement
- Deposit or Payment Reversal
- Balance Adjustment
More activity types adds
- Interest Added to Savings Goal
- Bank Fee
- Tax Refund
- Bank Bonus
- Loan Proceeds
- Investment Withdrawal
- Starting Balance Adjustment
Account-to-account transfers stay available without the switch. Savings accounts also offer goal contributions, goal withdrawals, certificate deposits, and certificate maturities.
Credit cards and other debt
Shown first
- Purchase
- Merchant Refund
- Assign Directly to an Envelope
- Interest Charge
- Credit Card Fee
- Rewards Applied to This Card
More activity types adds
- Chargeback Credit
- Chargeback Reversal
- Account Adjustment
- Returned Payment
- Rewards Redeemed for a Purchase
- Rewards Used for Travel
Payment, Balance Transfer In, Balance Transfer Out, and Cash Advance remain in Money movement because they move value between accounts instead of describing ordinary spending.
Investment accounts
Shown first
- Contribution
- Withdrawal
- Dividend Received
- Interest Received
- Dividend Reinvested
- Investment Purchased
- Investment Sold
- Core Position Sweep
- Fee
- Balance Adjustment
More activity types adds
- Capital-Gains Distribution
- Investment Exchange
- Cash Held in This Account
- Tax Withholding
- Gain or Loss
- Return of Capital
- Rollover
Other tracking accounts
Tracking accounts stay outside the spending budget. Their account-to-account movement choices use Transfer In / Contribution and Transfer Out / Withdrawal so the direction is clear without treating the move as income or spending.
A credit card can still handle everyday spending
You can enter ordinary purchases, refunds, rewards, and transfers directly in a credit card account just as you enter activity in checking. ReadyCents still keeps the account's credit card behavior on the budget side.
A funded purchase reduces its spending envelope and reserves the same cash for the card payment. An unfunded purchase creates card debt. Paying the card remains a transfer from checking or savings, so the payment is not counted as a second expense.