I have found in creating a budget for 2026 that the monthly averages shown for a category in the 2025 budget are incorrect. You would assume that clicking on a monthly actual payment in 2025 budget that when it gives you "monthly average" that would be the average payment for all of 2025 in that category. This is incorrect. According to Quicken, that number indicates the average payment over the years for that category. I think that answer is also incorrect. You would have to check year by year to prove that incorrect. So do not rely on Quickens monthly average tab. You have to average yourself. Hopefully Quicken can change this to make it accurate.