Liability Classes & Types

Findex supports a variety of liability types so you can track all of your debts and obligations in one place — from mortgages to credit cards and everything in between. Here's a breakdown of every liability type available.

Last updated About 1 month ago

Available Liability Types

Mortgage

A loan used to purchase property. Mortgages are typically long-term obligations with fixed or variable interest rates. You can link a mortgage directly to a real estate asset in your portfolio, giving you a clear picture of your property's net equity.

Credit Card

Outstanding credit card balances. Track what you owe across one or more credit cards, along with interest rates and payment schedules.

Personal Loan

A general-purpose loan from a bank, credit union, or other lender. Personal loans are usually unsecured and come with a fixed repayment term and interest rate.

Auto Loan

A loan taken out specifically to finance a vehicle purchase. Auto loans typically have a fixed term and can be linked to the corresponding vehicle asset if you track it in your portfolio.

Student Loan

Education-related debt, including government and private student loans. Student loans often have unique repayment terms and interest structures — Findex lets you track them all in one place.

Business Loan

Debt taken on for business purposes, such as a startup loan, line of credit, or commercial financing. If you track business assets in Findex, linking a business loan gives you a fuller picture of your business finances.

[Image: The liability type selection screen showing all available types with icons]

How Liability Types Affect Your Portfolio

Your liability type determines:

  • How your debt breakdown is categorized — The liabilities section groups debts by type, helping you understand where your obligations are concentrated.

  • Which data fields are available — For example, mortgages include fields for property linkage and loan term, while credit cards focus on balances and rates.

  • How your net worth is calculated — All liabilities are subtracted from your total asset value to give you an accurate net worth figure.

Linking Liabilities to Investments

Some liability types can be linked directly to an asset in your portfolio. For example:

  • A mortgage linked to a real estate asset.

  • An auto loan linked to a vehicle tracked under alternatives.

  • A business loan linked to unlisted equity in a company you own.

Linking a liability to an asset helps you see the true net value of that investment after accounting for associated debt.

Tips

  • Use the right liability type — Choosing the correct type ensures your debt breakdown is accurate and the right data fields are shown.

  • Not sure which type to use? Personal Loan works well as a general-purpose option if your debt doesn't fit neatly into another category.

Need Help?

If you have any questions or run into something unexpected, don't hesitate to reach out. You can contact us at team@findex.se — we're happy to help!