ローン返済ガイド·6 分で読める
住宅ローンは「定期支出」ではない？ローン返済の正しい記帳方法！
毎月のローン返済を全額「支出」として記録していませんか？実はこれでは財務レポートが歪んでしまいます！
ローン返済 ≠ 支出
毎月の返済額には2つの部分が含まれています：
- 元金 — 借りたお金を返す部分（負債が減る）
- 利息 — 借りたことへの対価（これが本当の支出）
定期支出 vs 定期返済
- 定期支出：Netflix、家賃、保険料など純粋な消費
- 定期返済：住宅ローン、カーローン、学生ローンなど元金+利息があるもの
よくある質問
- Q1. Why is mortgage not an "expense"?
- The principal portion of a mortgage payment moves money from your bank account into a home asset — it does not disappear. Only the interest is a true cost paid to the bank. Recording the entire payment as expense incorrectly shows you "losing" $2,000–3,000/month when most of it is just an asset transfer.
- Q2. How do I record a mortgage correctly in Mr.Splitter?
- Use the "Transfer" transaction type for the principal: from your cash account into the property asset account. Record the interest portion separately as an "Expense". Your monthly net worth then reflects reality.
- Q3. Does the same approach apply to car, personal, and student loans?
- Same logic: principal is a "Transfer", interest is an "Expense". Differences: vehicles depreciate (adjust the asset down periodically); personal loans have no matching asset (deduct directly from the liability); student loans are typically expensed first and amortized.
- Q4. How should I record an early payoff?
- The principal portion is still a "Transfer" (cash to loan liability), but any prepayment penalty should be recorded as an "Expense". Mr.Splitter supports custom categories, so you can add "Loan early-payoff fee" to track these.