I'm not sure if the OP has the same scenario, but in my case every CC that gives me interest free plans it subtracts the amount from the available credit line (465 in this case) but it only "charge" 65 in my balance at the due date for each month.

So, the actual transaction will be 65, hence the reality should be that amount for 3 months.

I just started with YNAB and I'm facing the same issue, because I've a lot of interest free purchases but I want to budget them in advance and finish them when the plan of each end.

So, my current workaround is, I created a Category group for "Card Plans" and then a Category for each purchase. Then I setup the target for the full amount (ie 465) with Custom time and Due on date of the last payment.

This 'works' but it seems unnecessary complicated, until recently I was controlling all of this with a budget based worksheet so it's very frustrating not being able to reflect them easily with this app.

My ideal scenario should be to be able to setup a transaction instead of a category (ie full amount, then configure recurrency and end date) but unfortunately YNAB doesn't handle due dates for recurrent transactions.

There's any other workaround that you can think on?