u/criti_biti

In other budget apps I had my mortgage set up as a normal tracking account/liability. I'm trying to use the Zerosum Loan account setup to access some of the extra projections/analyical insights. I've run into two problems:

• Can't change the date interest is recorded. Interest is charged against my account on the 28th of each month (same as the date of settlement/loan opened) however in Zerosum it can only be applied to the 1st of each month. This means there is an "expected" interest amount applied on the 1st that I can't correct until the 28th. Other option would be to delete the automatic interest payment each month and record it as an adjustment instead but I'm not sure if that will affect the calculations.
• The goal target for my Mortgage category is set up as $447.50 weekly as I receive my salary weekly and pay my mortgage fortnightly. When viewing the Mortgage category goal from within the Loan account, it says the monthly goal total is $447.50. I imagine this is a weird language carry over where the Loan account assumes the goal is monthly, even though the current due amount is for a weekly interval. Editing the goal amount from within the Loan screen only allows a monthly interval. I imagine the maths is more complex on the Loan screen than Budget screen which is why there is less flexibility in goal settings.
• This also creates a disconnect between default payment and minimum payment. My monthly minimum is $1790, but my default payment is $895 fortnightly. These are not the same thing but the app is treating default & minimum interchangeably.

Ideal solution for me would be: able to edit the date interest is recorded, change the default payment interval, and align Loan goal settings with Budget goal settings.