Cannot track a loan correctly with a repeating online payment

[Paul Goldman]

I have not been able to figure out how to accurately track the interest and
principal reduction on a mortgage if I pay it using a repeating online
payment.

Here is the scenario:

I create a new loan. I specify the interest rate, the term, etc, and Quicken
figures out the monthly payment. It automatically figures out the interest
and principal reduction for each payment if I let Quicken create the monthly
payments. But if I select a repeating online payment, at set up time for the
payment, Quicken asks for a budget category for the transaction.
Unfortunately, every month the budget categories are exactly the same, so I
have to manually adjust the budget categories every month so that my
accounts are balanced.

Does anyone know if I'm doing it wrong, or if it's working as designed??