Does the spending tracker count transfers as part of net income?

No. Origin’s Spending Tracker generally does not count transfers as part of your income or expenses.

Origin classifies transactions into three primary types:

• Income — money you’ve earned or received
• Expense — money you’ve spent
• Transfer — money moved between your own accounts

Because ordinary transfers don’t represent actual earnings or spending, they’re excluded from your net income, Spending, Budget, and cash flow calculations. This helps prevent money you’re simply moving between accounts from inflating your financial totals.

How does Origin identify transfers?

Origin can automatically identify when money is being transferred between two of your connected accounts.

When Origin confidently matches the incoming and outgoing sides of an ordinary transfer, both transactions are categorized as Transfer and excluded from your income and spending calculations.

For example, moving money from checking to savings doesn’t represent new income or an expense, so neither side should affect your Spending totals.

If Origin isn’t confident that two transactions represent the same transfer, it won’t automatically pair them.

Automatically matched transfers may also appear in Review Transactions so you can confirm that the match is correct. If it isn’t, you can revert the match and Origin will restore the transactions to their previous categories.

Are mortgage payments considered transfers?

Mortgage payments are an exception.

Although a mortgage payment may involve money moving between two accounts associated with you, the payment itself represents a real household expense.

Origin therefore categorizes the mortgage payment leaving your bank account as an Expense so it’s included in Spending, Budget, and cash flow.

If your mortgage account is also connected and Origin matches the other side of the transaction:

• The payment leaving your bank account remains an Expense.
• The corresponding transaction on the mortgage account is categorized as a Transfer.
• The payment is counted as spending only once.
• The mortgage-side transaction isn’t counted as income.

This applies to new transactions. Existing history isn’t automatically recategorized, and Rules you’ve already created will continue to take priority.

💡 Tip: If another transaction categorized as a Transfer actually represents spending, you can manually edit the transaction and categorize it as the appropriate expense.