Should I input my non-credit card debt (mortgage, car loan, etc) as a credit card into YNAB?

I started YNAB a few days ago. In my initial set up, I noticed there is a place where you can input credit card debt and it automatically shows up as a category in your budget. I wasn't sure why there wasn't a specific place for other debt (mortgage and car). So, I thought I would just input those debts as credit cards and view them in that category. I liked the look of it, as I can see ALL my debt together in one place... but as I am learning more about the YNAB way, I'm not sure this is the best way to do it. Only, I'm not really sure why. 

What is the best way to set up non-credit card debt and why wouldn't you put them in with the credit card category? 


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    • nolesrule
    • YNAB4 Evangelist
    • nolesrule
    • 9 mths ago
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    No. The credit card management in YNAB is designed for consumer credit management, which means you are using those accounts for budgeted purchases. it is not designed for management of loans.

    You would either enter them as liability Tracking accounts (if you want them in YNAB for net worth purposes), or don't put them in YNAB at all.

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  • That makes sense now. I guess I was just wanting to see all my debt in one place and not taking into account the difference in them. 


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  • 9 mths agoLast active
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