As Michael noted, this is a budgeting vs. accounting question.
Other than the 'Cash Flow' report, I would recommend investigating the Budget module. (*not* necessarily changing your account tree or transactions, though that may be in order anyway.)
You can budget what is expected and get a report that tracks outlays paying down liabilities (among many other things) and get a net result. You'll be able to compare budgeted (expected) vs. actual and even show the variance.
If you then want a graph, you can export the report to a spreadsheet and have fun from there.
Regards, Adrien On 7/8/22 10:20 AM, Peter Wu wrote:
Hi there, See attached bar chart. Blue means income, red - expense, and green is net profit. This is inaccurate because the red expense does not include mortgage payment. Question: how can I include mortgage payment in my monthly income/expense chart? Here is how I setup things: I use two account, Asset-bank account, and Liability-Mortgage account. I have fund going out from bank account into mortgage account each month. Mortgage account has a big balance which I own. Let's say that number is 300, 000$. Every month I put 3000$ in to bring that number down slightly. I do not split the 3K payment into principle and interest. Too much work…. One other thing I do with mortgage account in gnucash is that, I put an artificial offset transaction against "opening equity" to balance mortgage I own. Balance shows zero in the mortgage account. I do this so I can see the "net worth" reflects how much asset I have without the mortgage balance. (If net worth includes mortgage balance it will always be negative. At the end the day, banks owns all of us I guess...) Back to my question. With my setup, how can I have an accurate income/expense chart that includes mortgage payments for rental property?
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