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YNAB does support multi account split transactions, it’s just a combination of the split and transfer types. It’s not meant to support full accounting but it certainly supports that.

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Sorry, but YNABs transfers are bordering on hostile to the user. Unless things have greatly changed very recently, then YNAB would double all my auto transfer postings (I auto transfer money biweekly/monthly to vehicle maintenance, property tax, annual insurance bills, discretionary, house maintenance and a few registered accounts like retirement, my kids education etc). YNABs process here proved to require constant reconciliation. Not only that, but further placing postings for capital gains would make it throw a tizzy.

YNAB is basically completely useless as far as anything beyond an extremely extremely rudimentary single user budget.

When you say “transfer money to discretionary” for example, is that a category in your budget or a separate account?

I’ve never had YNAB double up a transfer.

Also, capital gains - not sure what the issue is there either. Add a transaction and categorize it to “Ready To Assign”. Works great.

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