How do I enter a future vehicle purchase and its loan?

Enter the net cost of the vehicle in EXPENSES on its purchase date. Use the purchase price less the trade-in amount if you are modelling only the net replacement cost. For repeated replacements, use the multiple-date expense feature.

If it is financed, enter the borrowing separately in LOANS with its start date, principal, rate and payments. The purchase expense spends the money; the loan provides the financing and calculates repayments. Do not also include those loan payments in your regular vehicle-expense budget.

Enter ongoing costs such as fuel, maintenance and insurance as recurring expenses. These are separate from the purchase and financing.