Receipts and receipt splits

Upload a receipt, let Copia match it to the purchase, and split one charge across the categories its items belong to.

Paid planWebUpdated November 13, 2026By Copia TeamView as Markdown

A receipt shows what you actually bought, which a bank description rarely does. Copia reads each receipt, finds the transaction it belongs to, and can split that one charge across categories by line item. A $100 store run can count $60 toward Groceries and $40 toward Household, and the budget shows both.

The Receipts page listing receipts with a thumbnail, merchant, file name, amount, date, a Matched status, and upload date, with Upload Receipt at the top — The Receipts page lists every receipt with its match status.

Add a receipt

On Receipts, choose Upload Receipt and pick an image or PDF.
On the web app you can drop a receipt anywhere you can upload a file. Copia recognizes it as a receipt, saves it to Receipts, and keeps you on the page you were on.

Copia reads the merchant, date, total, and line items from the receipt.

How matching works

Copia looks for a transaction with the same amount, a date close to the receipt’s, and a matching merchant. Bank descriptions often add processor codes and suffixes, so Copia compares the meaningful words of the merchant name rather than the whole string.

One clear match. The receipt links to that transaction.
A tie. When two transactions match equally well, Copia does not guess. The receipt stays pending and suggests both.
No match yet. The receipt stays pending and says why.

A TJ Maxx receipt for $78.18, matched to its transaction, with five line items each assigned a category such as Groceries, Home Care, and Shopping — A receipt’s details: the matched transaction and each line item’s category.

To link one yourself, open the receipt and use the transaction picker. It starts with the best suggestions, and typing searches your transactions by description or amount near the receipt’s date. Unlink on either the receipt or the transaction separates them again.

Splits across categories

Once a receipt is linked, its line items can split the transaction across subcategories.

Tax and discounts are spread across the items in proportion to their prices.
Tip and anything left over stay on the transaction’s own category.
The budget, category history, and insights all count the split amounts.

To change where an item counts, open the receipt and pick a new category for that line.

Opening a TJ Maxx receipt and moving its Scented Candle line item from Shopping to Home Care — Moving one line item to another category. The split follows.

A split transaction shows an N categories chip in the list, and its details show the split grouped by category.

The receipt section of a transaction, with a budget split of 91% Gas (Fuel), $52.15, and 9% Other Food & Dining, $5.19 — The budget split on a transaction with a linked receipt.

A receipt with no bank transaction

Cash purchases, or a card that is not connected, have no transaction to match. Choose Create transaction on the pending receipt and pick the account. Copia picks the card whose last four digits are on the receipt, if it finds one.

If the bank later posts the same charge, Copia moves the receipt, split, notes, and tags onto the bank’s transaction and removes the one it created, so you never end up with both.

Common questions

Why did Copia not link my receipt automatically?

Either no transaction matched yet, or two transactions matched equally well. Copia never guesses between a tie. The receipt says which case it is, and you can link it from the suggestions or create the transaction.

I created a transaction from a receipt. Will the bank charge duplicate it?

No. When the bank posts the same charge on the same account within 5 days, Copia moves the receipt, its split, and your edits onto the bank transaction and removes the one made from the receipt.

How are tax and tip split?

Tax and discounts are spread across the items in proportion to their prices. Tip and anything left over stay on the transaction’s own category.