Feature, Categorize
Every transaction gets a home. Clarity suggests, and you decide.
The categorization workspace is where your uploaded transactions get labeled, sorted, and approved. Clarity AI prepares suggested categories from the choices you have made before. You review each one, adjust what needs adjusting, and approve, and nothing becomes permanent until you say so.
- AI suggestions based on your patterns
- Business and personal in one workspace
- Bulk apply for recurring vendors
Included in every paid membership
This is in Rise, at $49.99 a month, and in everything above it. The higher memberships do not unlock more of the system, they add Donna’s time.
Here you are seeing the categorization workspace in action: transactions loading from an uploaded statement, a category suggested from your past choices, a need or desire label on every row, and a few rows selected for Apply to Selected, the bulk tool for recurring vendors. Pay attention to how fast the workflow moves once you have a few months of your own choices behind you, because your past choices come back as suggestions on similar transactions.
One workspace, with 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 categories from your own historyMoney Mastery remembers how you categorize, so Clarity prepares a suggested category from the vendor name and your past choices. Recurring vendors you have categorized before come back with that category as a suggestion, ready for you to accept or change.
- 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.
A review-and-approve workflow that keeps every decision in your hands.
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, so your books reflect the decisions you made yourself.
Bulk apply saves hours on recurring vendors
Your phone bill, your weekly supply order, your regular coffee shop, come back already suggested once you have categorized them, because Money Mastery remembers how you categorize. 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.
Precision tools for real financial life.
Business and personal side by side
Hold both sides of your financial life in one workspace, and move between your accounts without losing your place. You mark each transaction as personal or business, so every row lands on the side it belongs to.
Suggestions from your own history
Each month begins with your own history: Money Mastery remembers how you categorize, and your past choices come back as suggestions on similar transactions. Once you have a few months of your own choices behind you, your regular transactions tend to arrive with the category you gave them before already suggested.
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.
Here is what you may want to know
Can I handle business and personal in the same session?
Yes. You move between your uploaded accounts, a business checking account and a personal credit card for example, without leaving the workspace. You mark each transaction as business or personal, so you always know which side it belongs to.
What is bulk apply and when do I use it?
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.
Can I add a memo to individual transactions?
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.
What if a transaction needs to be split between business and personal?
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.
How accurate are the AI suggestions?
It depends on how much history you have built up. In the first month, expect to manually review and adjust more. Once you have a few months of your own choices behind you, recurring transactions tend to arrive with the category you gave them before. You should always review, and the review gets quicker as your past choices come back as suggestions on similar transactions.
Smart categorization is included in every paid Money Mastery membership.
Rise, at $49.99 a month, includes the whole system: account upload, categorization, the dashboard, split transactions, business and personal separation, sharing with your accountant, and unlimited Clarity AI questions. The memberships above Rise add more of Donna’s time rather than more of the system, and if you would like to begin without paying anything, La Soglia is free.
See the memberships → Start free with La Soglia