How to track cash spending

A cash withdrawal tells you how much money left your bank account. It does not tell you what you spent it on. Record the purchases themselves to include cash in your spending categories.

In Reign, you can snap a receipt or use Quick log. Both work for cash and card purchases.

Snap the receipts you have

Take a clear photo of the receipt. Reign reads the merchant, date, total, currency, and line items. It suggests a category for the purchase and tags for its items. Check the result and correct anything it misread.

Choose the wallet you use for cash so you can find those purchases later. You can keep cash and card purchases in separate wallets within the same space.

Use Quick log when there is no receipt

For a tip, parking payment, or market purchase without a receipt, open Quick log. Add the amount, category, date, and wallet. A short description can help you recognize it later.

Quick log is included on Free and does not use a receipt scan.

Avoid counting a withdrawal as spending twice

If you import bank transactions, check how you record cash withdrawals. Moving money from a bank wallet into a cash wallet is a transfer; the purchases you make with that cash are expenses. Counting both as expenses would inflate your spending total.

When importing your history, review transfers before confirming the import.

Review cash and card spending together

Open Insights to see spending by category. A category such as eating out can then include the cash lunch as well as the dinner you paid for by card.

The totals reflect the purchases you have recorded. If something is missing, add it with Quick log or snap the receipt when you find it.

Create a free account and record your next cash purchase.

Related reading: tracking without a bank connection and receipt tracking compared with other approaches.