Every ExpenseBot account starts with two default tags: Business and Personal. They're starting points, not final classifications.
- Business = "this is a business expense, but I haven't sorted it further yet." Think of it as to be classified.
- Personal = "this is personal — exclude it from business reports and tax exports." A row tagged Personal is left out of Schedule C, the Year-End Tax Summary, and all specialized reports by default.
- Custom tags = anything you create yourself ("Client: Acme Corp", "Film – Production", "NYC Conference"). These are specific classifications that mean something in your workflow.
The key rule: AI features — the film scanner, persona scanners, the trip tagger — only suggest tags for rows that are untagged or still on a default Business/Personal tag. They will never overwrite a custom tag you've set; only the defaults are treated as "not yet classified." That's why your own tags stay put while generic rows get re-tagged.
To create your own tags: Settings → Tags, or the Tags wizard.