my situation is made easier because: the retirement payout I enter comes as a deposit when I download from my checking account. The funds themselves come from a TIAA account, which I have under Investing, and what I follow there is the current balance of the fund, reflecting gains, losses, and withdrawal. So the income I get as bank deposit and the WD from TIAA move in tandem but not through Quicken. I'm no pro on this and it took me a while to figure this out but I think I;m right. thanks again. and I wrote this before reading Jim's and Damian's posts. I'll look again at them later. thanks.