Question about possibly double counting

Hello.

I am currently updating my plan on adviice but this year I wanted to keep things more simple (or lazier ๐Ÿ˜› ) . So instead of breaking down all the expenses into categories I just wanted to do an annual lump of all the expenses since I am using only one bank account. So what I did was I just downloaded the entire 2025 spreadsheet and just sum up all the debits for the year and enter an annual expense on the platform and zeroed all the other expense categories while using the simple mode. However when I look at the plan and spending, it looks like the platform uses my total expenses entered and adds on a debt payment. But since my total expenses already includes debt payments, it looks like it's doubled counted in my situation. Can someone suggest is there an easy way to just enter the total expenses without categories and avoid this double counting of debt payments? I am not really concerned with tracking expenses in categories.

Thanks.

Posted Jun 12, 2026, 8:20 PM UTC

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