With respect to setting a budget and recording Income from my paycheck, should it be the gross amount or net of my taxes, my HSA contribution, my 401(k) contribution?

I'd like to record my total paycheck, plus all the amounts that are going to taxes, HSA, 401(k) etc., but when Mint sees the deposit it just sees the net amount, so won't it always look like I'm under budget?

Answer

FYI, this is a public community board, and I'm only a community member like you.

You can chat with support during the business day (https://mint.lc.intuit.com/questions/1295428) or you can file a ticket here: https://www.mint.com/contact-mint

You have multiple options:

You can record your true paycheck figures, but it will require you to manually split your paycheck deposit every time it shows up.  See here for splitting (change your income to be your gross amount, then put in all the various deductions to be negative values):

FYI, this is a public community board, and I'm only a community member like you.

You can chat with support during the business day (https://mint.lc.intuit.com/questions/1295428) or you can file a ticket here: https://www.mint.com/contact-mint

First, wait until the transaction is final (final transactions show up in black, pending show up in gray).

Next, on the website, go to the "Transactions", then open up the "Edit Details" for the transaction that you need to split.  With the transaction in the detailed view, the first line will be labeled "Details" and will show a more detailed version of the transaction description.  To the right of that will be a button with an arrow that splits and points in two - that's the "split" button.  Click that and you'll split your transaction into two, and you'll be able to set a description, a category, and an amount for each split.  You can split an original transaction multiple times as needed and you can always cancel the split as well.

Alternatively, you can set your "Income" budget to just be your average net pay amount for each month.  There's less work for you, but you won't necessarily see all the true spending in your life.  You may also see those transactions elsewhere, so you may not be losing as much as you think.  For example, have you added your HSA and 401k accounts into Mint?  If so, then you can see increases in those accounts as those transactions come through.

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