diff --git a/src/csv_export.rs b/src/csv_export.rs
index af41087..5369c29 100644
--- a/src/csv_export.rs
+++ b/src/csv_export.rs
@@ -268,7 +268,7 @@ pub fn _4_transaction_mvmt_detail_to_csv(
             let date = txn.date.format("%Y/%m/%d").to_string();
             let tx_number = txn.tx_number.to_string();
             let tx_type = txn.transaction_type(&ars, &raw_acct_map, &acct_map)?;
-            let memo = txn.memo.to_string();
+            let memo = txn.user_memo.to_string();
             let mut amount = d128!(0);
             amount += mvmt.amount;   //  To prevent printing -5E+1 instead of 50, for example
             let ticker = raw_acct.ticker.to_string();
@@ -354,7 +354,7 @@ pub fn _5_transaction_mvmt_summaries_to_csv(
         let txn_date_string = txn.date.format("%Y/%m/%d").to_string();
         let tx_num_string = "Txn ".to_string() + &txn.tx_number.to_string();
         let tx_type_string = txn.transaction_type(ars, &raw_acct_map, &acct_map)?.to_string();
-        let tx_memo_string = txn.memo.to_string();
+        let tx_memo_string = txn.user_memo.to_string();
         let mut term_st: Option<Term> = None;
         let mut term_lt: Option<Term> = None;
         let mut ticker: Option<String> = None;
@@ -508,7 +508,8 @@ pub fn _6_transaction_mvmt_detail_to_csv_w_orig(
         "Date".to_string(),
         "Txn#".to_string(),
         "Type".to_string(),
-        "Memo".to_string(),
+        "User Memo".to_string(),
+        "Auto Memo".to_string(),
         "Amount".to_string(),
         "Ticker".to_string(),
         "Term".to_string(),
@@ -546,7 +547,8 @@ pub fn _6_transaction_mvmt_detail_to_csv_w_orig(
             let date = txn.date.format("%Y/%m/%d").to_string();
             let tx_number = txn.tx_number.to_string();
             let tx_type = txn.transaction_type(&ars, &raw_acct_map, &acct_map)?;
-            let memo = txn.memo.to_string();
+            let user_memo = txn.user_memo.to_string();
+            let auto_memo = txn.get_auto_memo(ars, raw_acct_map,acct_map)?;
             let mut amount = d128!(0);
             amount += mvmt.amount;   //  To prevent printing -5E+1 instead of 50, for example
             let ticker = raw_acct.ticker.to_string();
@@ -574,7 +576,8 @@ pub fn _6_transaction_mvmt_detail_to_csv_w_orig(
             row.push(date);
             row.push("Txn ".to_string() + &tx_number);
             row.push(tx_type.to_string());
-            row.push(memo);
+            row.push(user_memo);
+            row.push(auto_memo);
             row.push(amount.to_string());
             row.push(ticker);
             row.push(term);
diff --git a/src/csv_import_accts_txns.rs b/src/csv_import_accts_txns.rs
index 7ca2e13..aa32c9e 100644
--- a/src/csv_import_accts_txns.rs
+++ b/src/csv_import_accts_txns.rs
@@ -208,7 +208,7 @@ pub(crate) fn import_transactions(
             tx_number: this_tx_number,
             date_as_string: this_tx_date.to_string(),
             date: tx_date,
-            memo: this_memo.to_string(),
+            user_memo: this_memo.to_string(),
             proceeds: proceeds_parsed,
             action_record_idx_vec: action_records_map_keys_vec,
         };
diff --git a/src/transaction.rs b/src/transaction.rs
index bc2f9c6..5d323f9 100644
--- a/src/transaction.rs
+++ b/src/transaction.rs
@@ -19,7 +19,7 @@ pub struct Transaction {
 	pub tx_number: u32,	//	Does NOT start at zero.  First txn is 1.
 	pub date_as_string: String,
 	pub date: NaiveDate,
-	pub memo: String,
+	pub user_memo: String,
 	pub proceeds: f32,
 	pub action_record_idx_vec: Vec<u32>,
 }
@@ -209,6 +209,60 @@ impl Transaction {
 
         Ok(both_are_non_home_curr)
     }
+
+    pub fn get_auto_memo(
+		&self,
+		ars: &HashMap<u32, ActionRecord>,
+		raw_accts: &HashMap<u16, RawAccount>,
+		acct_map: &HashMap<u16, Account>
+	) -> Result<String, Box<dyn Error>> {
+
+        let auto_memo = if self.action_record_idx_vec.len() == 2 {
+
+            let marginness = self.marginness(ars, raw_accts, acct_map);
+
+            if (marginness == TxHasMargin::NoARs) | (marginness == TxHasMargin::TwoARs)  {
+
+                let og_amt = ars.get(&self.action_record_idx_vec[0]).unwrap().amount;
+                let og_acct_key = ars.get(&self.action_record_idx_vec[0]).unwrap().account_key;
+                let og_acct = acct_map.get(&og_acct_key).unwrap();
+                let og_raw_acct = raw_accts.get(&og_acct.raw_key).unwrap();
+                let og_ticker = &og_raw_acct.ticker;
+
+                let ic_amt = ars.get(&self.action_record_idx_vec[1]).unwrap().amount;
+                let ic_acct_key = ars.get(&self.action_record_idx_vec[1]).unwrap().account_key;
+                let ic_acct = acct_map.get(&ic_acct_key).unwrap();
+                let ic_raw_acct = raw_accts.get(&ic_acct.raw_key).unwrap();
+                let ic_ticker = &ic_raw_acct.ticker;
+
+                format!("Paid {} {} for {} {}", og_amt, og_ticker, ic_amt, ic_ticker)
+
+            } else {
+
+                format!("Margin profit or loss")
+            }
+
+        } else {
+
+            let amt = ars.get(&self.action_record_idx_vec[0]).unwrap().amount;
+            let acct_key = ars.get(&self.action_record_idx_vec[0]).unwrap().account_key;
+            let acct = acct_map.get(&acct_key).unwrap();
+            let raw_acct = raw_accts.get(&acct.raw_key).unwrap();
+            let ticker = &raw_acct.ticker;
+
+            if amt > d128!(0.0) {
+
+                format!("Received {} {}", amt, ticker)
+
+            } else {
+
+                format!("Spent {} {}", amt, ticker)
+
+            }
+        };
+
+        Ok(auto_memo)
+    }
 }
 
 #[derive(Clone, Debug)]
diff --git a/src/txt_export.rs b/src/txt_export.rs
index 566ebc2..bfe2575 100644
--- a/src/txt_export.rs
+++ b/src/txt_export.rs
@@ -134,7 +134,7 @@ Enable like-kind treatment: {}",
                         mvmt.transaction_key,
                         tx_type,
                         mvmt.date_as_string,
-                        txn.memo
+                        txn.user_memo
                     );
 
                     writeln!(file, "{}", description_str)?;