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@BlueGrits

How this works — transfer or expense — depends on whether you have a mortgage account set up in Simplifi representing the debt you owe on the mortgage.

Mortgage payments often include PITI (Principle, Interest, Taxes, Insurance). If you have a mortgage account in Simplifi, then the "P" portion of your mortgage payment (and any "additional principle" payment) can be treated as a transfer to that mortgage account, thus reducing the debt. The "ITI" portions are expenses.

But many people do not track their mortgage in Simplifi, so there is no debt account to be used for the transfer. In that case, you would probably just categorize the "P" portion as a mortgage expense as @Coach Natalie says.

Thanks for response @DryHeat.

@Coach Natalie Thanks, I will give it a try.

@fnums, thanks for posting to the Community!

The Category Rule is likely being superseded by the design of Quicken Simplifi to automatically detect and link Transfers: https://support.simplifi.quicken.com/en/articles/3352152-how-do-transfers-work#h_ca5cb3b369

This is something that will likely require manual intervention if you'd like the transactions to not be Linked Transfers. One thing you can try that comes to mind is setting up a Recurring Series for the credit card payment and using the "Credit Card Payment" Category. When transactions are linked to Recurring Reminders, they are supposed to acquire the Payee and Category of the Series, so this may work for you!

Let us know!

@BlueGrits, thanks for posting your inquiry to the Community!

I would definitely consider a mortgage payment an expense, just like I would a rent payment. The reason credit card payments are considered "transfers" is because you've already tracked the spending in the credit card account, so the transfer of funds to cover those expenses should not also be counted as an expense.

I hope this helps!