What is a transfer?
A transfer is when money moves between two accounts you own, such as checking to savings, savings to checking, or checking to a credit card payment. The total amount of money you have doesn't change. It just sits in a different bucket.
In ReadyCents, hit the Transferbutton in the transactions toolbar to record one. Pick the source account, the destination account, the amount, and the date. That's it.
Why transfers don't count as income or expense
If you move $500 from checking to savings, you didn't earn $500 and you didn't spend $500. You're just as rich (or poor) as you were before. ReadyCents ignores transfers in your reports, your Ready to Budget math, and your tax totals.
This is why getting transfers right matters. If you accidentally enter a transfer as a regular outflow, you'll see fake spending in your reports.
Transfers vs credit card payments
A credit card payment is a transfer too. Money leaves checking and reduces the card balance. The difference is that each card has a linked payment envelope, and ReadyCents derives how much reserved payment cash the transfer used. Regular bank-to-bank transfers have no payment envelope.
If you're paying a credit card, use the credit card payment flow (it auto-fills the amount from your card balance). If you're moving money between checking and savings, use Transfer.