Track every dollar of your loan
automatically
CountAbout’s loan amortization feature builds your full payment schedule and automatically splits downloaded bank transactions into principal, interest, and escrow — so you always know exactly where your money goes.
Set up your loan once — CountAbout handles the rest
Enter your loan details — balance, rate, term, and payment amount — and CountAbout generates a complete amortization schedule showing exactly how each payment breaks down over the life of your loan.
Then, when your loan payment downloads from your bank, CountAbout automatically creates a recurring split transaction that separates principal, interest, and escrow. No spreadsheets. No manual math. No guessing.
6 reasons to track loans in CountAbout
Full Amortization Schedule
See a month-by-month breakdown of principal, interest, and remaining balance for the entire life of your loan. Know exactly when you’ll be debt-free.
Automatic Payment Splitting
When your mortgage or loan payment downloads from your bank, CountAbout automatically splits it into principal, interest, and escrow — no manual entry needed.
Recurring Transaction Rules
The split is set up as a recurring transaction, so it works automatically every month as your amortization schedule progresses.
Accurate Budget Reports
With interest and principal properly separated, your spending reports and budgets reflect reality. See exactly how much you’re paying in interest vs. building equity.
Works for Any Loan
Mortgages, auto loans, student loans, personal loans — if it amortizes, CountAbout can track it. Set up multiple loans and track them all.
See Your Payoff Progress
Watch your principal balance decrease over time. Whether you’re a couple paying off a mortgage or a family tackling student loans, see exactly how much closer you are to being debt-free with every payment.
Loan tracking — how CountAbout compares
Most budgeting apps treat loan payments as a single lump sum. CountAbout is one of the only apps that automatically breaks them down.
| Loan Feature | CountAbout | YNAB | Monarch | Quicken Classic | Simplifi | Rocket Money | EveryDollar | Empower |
|---|---|---|---|---|---|---|---|---|
| Amortization Schedule | ✓ | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ |
| Auto Principal/Interest Split | ✓ | ✗ | ✗ | Monthly only | ✗ | ✗ | ✗ | ✗ |
| Auto-Split on Bank Download | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Recurring Split Transactions | ✓ | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ |
| Supports All Loan Types | ✓ | Limited | ✗ | Fixed-rate only | ✗ | ✗ | ✗ | ✗ |
| Payoff Projections | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | Basic | ✓ |
| Available on All Plans | ✓ | ✓ | Paid only | Paid only | Paid only | Paid only | Paid only | Free |
| Annual Price | $19.99–$54.99 | $109 | $99.99 | $59.88+ | $71.88 | $49.99+ | $99 | Free* |
* Empower is free but generates revenue through financial advisory upselling.
Loan amortization in CountAbout — what to know
What types of loans can I track?
Any amortizing loan — mortgages, auto loans, student loans, personal loans, and home equity loans. If it has a fixed or variable rate with regular payments, CountAbout can generate the amortization schedule and auto-split your payments.
How does the automatic payment splitting work?
When you set up a loan in CountAbout, it creates a recurring split transaction linked to your amortization schedule. When your loan payment downloads from your bank, CountAbout automatically categorizes the principal, interest, and escrow portions based on that month’s schedule — no manual entry required.
Is this feature available on the Basic plan?
Yes. Loan amortization is available on all plans, including Basic. If you’re on the Basic plan, you can enter loan payments manually and CountAbout will still split them according to your amortization schedule. Premium users get automatic splitting when payments download from their bank.
Can I track multiple loans at the same time?
Absolutely. Set up as many loans as you need — mortgage, car payment, student loans — and each one gets its own amortization schedule and automatic payment splitting.
How is this different from what YNAB or Monarch offer?
YNAB and Monarch require you to manually split every loan payment into principal and interest — looking up the breakdown from your lender each month. CountAbout does this automatically using your amortization schedule. Quicken Classic offers a similar feature but only for monthly-interest loans and doesn’t auto-split downloaded transactions.
Try CountAbout free
for 45 days
Set up your loans, see your amortization schedule, and let CountAbout handle the math. All features included — no credit card required.
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