Categories aren’t new to personal finance software. A category is just a bucket in which to track spending. You could have categories for Food, Entertainment, Auto, Utilities, and more. I won’t go into great detail here; you can read the Moneydance documentation for more information. I’m going to assume you have a rudimentary understanding of what categories are and how they’re used.
The point of this article is to provide examples of useful categories and subcategories, and some tricks on reporting on them. This is by no means a definitive guide on the subject; rather it’s more of a set of examples to illustrate how I’ve come to use them.
Categories are easy to create. Click on Tools -> Categories from the main menu.

You’ll be presented with a list of existing categories. Moneydance also displays the type (Income or Expense), the balance, and the grand total.
One thing to keep in mind is that categories are really just accounts in category’s clothing. Moneydance presents them as logically different, but functionally they’re the same. But I don’t want to get off-topic here; it’s not important for this purposes of this article. It just explains why there are balances in your categories.
My name is Brian Jarrett and I'm a computer programmer and 


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Back in February of 2010 I
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