I’m not sure if “Payment” and “Deposit” are technical banking or accounting vocabulary terms, but they might add a jargon-barrier for users. I believe users can be strong budgeters without using those terms in this context. When I want to teach clients terms for money that comes in and goes out of their budget, I say “income” and “expenses.” As a new user, I’ve had to stop and remember which is which with “payment” and “deposit.”