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Historical splits broken - mortgage payments

Ted P

I just noticed that the splits for all of my mortgage payments have disappeared, from February 2025 and earlier.

Previously the splits were created properly - e.g. for a $3000 payment it would have $2000 going to interest, $1000 to the principal account.

Now all of those historical payments are really wrong:

From the paying account I see the full $3000 as a transfer to the principal account
From the principal account I still see only $1000 as a transfer from the paying account

All the payments from March 2025 forward are still correct.

This only happened to mortgage payments, and only from the current quicken version of the paying account. I phrase it that way because, while I've had the same paying account for 20+ years, I created a new account in Quicken in 2020 because of some performance issues I was having with the old account. All the splits from before 2020 from the old account still look right.

I can go back and manually recreate the splits, but I have multiple mortgages (rental properties plus home) - it would be hundreds of transactions to recreate.

I'm not sure how long it's been broken. Everything was definitely right for 2024 when I did my tax calculations in January, and like I say the March forward transactions are right, so it seems like something happened in ~ February. I could open an old backup file but haven't bothered to.

Honestly I don't expect anyone has a magic answer, and I suspect I'll just live with it. I'm already living with another issue - that when I try to reconcile a split transaction from the recipient account, it breaks the split in the source account (link below). Given that the main reason I use Quicken is because of the split functionality, this is getting increasingly frustrating.

https://community.quicken.com/discussion/7954820/reconciliation-of-mortgage-entries-still-broken

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Comments

Quicken Jasmine

Hello @Ted P,

Thanks for reaching out!

When you open one of the broken transactions in the paying account, does it still show as a split, or is it just a single transfer line now? And in the mortgage account, is that transaction still linked back to the paying account, or does it look disconnected?

Also, have there been any changes to your loan reminder setup or categories recently, like renaming or deleting the interest/principal categories? That could cause older entries to drop split details.

If you haven’t already, checking an old backup to compare one of those entries might help pinpoint when things broke.

Let me know what you find!

Quicken Jasmine

https://community.quicken.com/discussion/7963779/historical-splits-broken-mortgage-payments

I have not heard from you yet, are you still needing assistance?

Let me know!

Ted P

sorry for the delay.

there are no splits.

When I look at the 'sending' account in quicken, i see the total $ amount of the mortgage payment (principal and interest) with no splits, and it shows as a transfer of that total amount to the mortgage principal account.

when i look at the receiving (mortgage principal) account, I only see a transfer in of the principal amount, not the interest.

So the good news is that both of the accounts are whole - the paying/sending account shows a deduction of the right total amount, the principal account shows a reduction of the principal only amount. But obviously the reports for the year are missing the interest.

I can fix each transaction manually by opening the transaction from the sending account and recreating the split. I've done that for this year so this year's taxes will be right. I haven't done it for most accounts for past years.

Quicken Kristina

Thank you for your reply,

Do you have a bill reminder for this transaction? If so, does that reminder show the split properly, or does it also show just the principal? Do you normally input the transactions manually, or do they download from your financial institution? How long ago did they stop displaying as splits? If the issue started fairly recently, you can try restoring a backup from before the problem started, and see if that corrects the problem with split transactions vanishing from your historical transactions.

I hope this helps!