Categories inside the Excluded group keep transactions out of budget spending. The transactions stay in your history, so you can still find and check them.
The defaults are Transfers, CC Payments, and Refunds. You can also create a category under Excluded for something you want to track outside the household budget, such as Reimbursable work expenses.
Example: your employer pays you back
You pay $120 for a work dinner, and your employer later sends you $120. If you don’t want this to use up your household’s restaurant budget, both transactions can go in a custom category under Excluded.
| Transaction | Category | Effect on the household budget |
|---|---|---|
| $120 work dinner paid with your card. | Reimbursable work expenses, under Excluded. | The purchase stays out of budget spending. |
| $120 repayment from your employer. | The same excluded category. | The deposit is kept out of income; it isn’t another paycheque. |
You can find both transactions in your history. Check that the repayment actually arrived: excluding the purchase doesn’t mean you’ve been paid back.
Will the purchase and reimbursement just cancel each other out?
Not in the current budget calculations. Vylo doesn’t subtract an incoming refund or reimbursement from the original expense category’s spending. A $120 restaurant purchase can still show as $120 spent even after a $120 repayment arrives.
To leave the pair out of your household budget, put both in an excluded category. If you prefer to keep the original expense in the budget, leave it in its expense category and classify the repayment under Excluded, knowing the budget won’t automatically reduce that spending total.
For a partial repayment, don’t assume the whole purchase has been covered. For example, a $90 reimbursement against a $120 dinner leaves $30 you paid yourself. Keep track of the difference and email us if you need help representing it.
Choosing an excluded category
Use the same category controls as for other transactions:
- Create a category inside Excluded if none of the defaults describes it well.
- Change the purchase’s category to that excluded category.
- When the repayment arrives, assign it to the excluded category too. Don’t leave it marked as salary or side-gig income.
Those guides include the web and iPhone steps. For a one-off work dinner, leave merchant memory off so future personal meals at the same restaurant aren’t also excluded.
Excluding one purchase or a whole category
Changing one transaction’s category affects that transaction. Moving an entire expense category into Excluded affects the transactions assigned to it, including older purchases. Check what’s in the category before moving it.
If most restaurant visits are personal and just one was for work, move that purchase to Reimbursable work expenses. Keep Restaurants where it is.
Excluding something changes how it counts in the budget. It doesn’t remove the charge from your bank account, return any money, or delete the transaction.