diff --git a/src/script/ismine.h b/src/script/ismine.h
--- a/src/script/ismine.h
+++ b/src/script/ismine.h
@@ -8,6 +8,7 @@
 
 #include <script/standard.h>
 
+#include <bitset>
 #include <cstdint>
 
 class CKeyStore;
@@ -16,9 +17,10 @@
 /** IsMine() return codes */
 enum isminetype {
     ISMINE_NO = 0,
-    ISMINE_WATCH_ONLY = 1,
-    ISMINE_SPENDABLE = 2,
-    ISMINE_ALL = ISMINE_WATCH_ONLY | ISMINE_SPENDABLE
+    ISMINE_WATCH_ONLY = 1 << 0,
+    ISMINE_SPENDABLE = 1 << 1,
+    ISMINE_ALL = ISMINE_WATCH_ONLY | ISMINE_SPENDABLE,
+    ISMINE_ENUM_ELEMENTS,
 };
 
 /** used for bitflags of isminetype */
@@ -36,4 +38,18 @@
 isminetype IsMine(const CKeyStore &keystore, const CScript &scriptPubKey);
 isminetype IsMine(const CKeyStore &keystore, const CTxDestination &dest);
 
+/**
+ * Cachable amount subdivided into watchonly and spendable parts.
+ */
+struct CachableAmount {
+    // NO and ALL are never (supposed to be) cached
+    std::bitset<ISMINE_ENUM_ELEMENTS> m_cached;
+    Amount m_value[ISMINE_ENUM_ELEMENTS];
+    inline void Reset() { m_cached.reset(); }
+    void Set(isminefilter filter, Amount value) {
+        m_cached.set(filter);
+        m_value[filter] = value;
+    }
+};
+
 #endif // BITCOIN_SCRIPT_ISMINE_H
diff --git a/src/wallet/test/coinselector_tests.cpp b/src/wallet/test/coinselector_tests.cpp
--- a/src/wallet/test/coinselector_tests.cpp
+++ b/src/wallet/test/coinselector_tests.cpp
@@ -75,8 +75,7 @@
     auto wtx =
         std::make_unique<CWalletTx>(&wallet, MakeTransactionRef(std::move(tx)));
     if (fIsFromMe) {
-        wtx->fDebitCached = true;
-        wtx->nDebitCached = SATOSHI;
+        wtx->m_amounts[CWalletTx::DEBIT].Set(ISMINE_SPENDABLE, SATOSHI);
     }
     COutput output(wtx.get(), nInput, nAge, true /* spendable */,
                    true /* solvable */, true /* safe */);
@@ -127,7 +126,9 @@
         // HACK: we can't figure out the is_me flag so we use the conditions
         // defined below; perhaps set safe to false for !fIsFromMe in add_coin()
         const bool is_me =
-            coin.tx->fDebitCached && coin.tx->nDebitCached == SATOSHI;
+            coin.tx->m_amounts[CWalletTx::DEBIT].m_cached[ISMINE_SPENDABLE] &&
+            coin.tx->m_amounts[CWalletTx::DEBIT].m_value[ISMINE_SPENDABLE] ==
+                SATOSHI;
         static_groups.emplace_back(coin.GetInputCoin(), coin.nDepth, is_me, 0,
                                    0);
     }
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -388,24 +388,18 @@
     std::multimap<int64_t, CWalletTx *>::const_iterator m_it_wtxOrdered;
 
     // memory only
-    mutable bool fDebitCached;
-    mutable bool fCreditCached;
-    mutable bool fImmatureCreditCached;
-    mutable bool fAvailableCreditCached;
-    mutable bool fWatchDebitCached;
-    mutable bool fWatchCreditCached;
-    mutable bool fImmatureWatchCreditCached;
-    mutable bool fAvailableWatchCreditCached;
+    enum AmountType {
+        DEBIT,
+        CREDIT,
+        IMMATURE_CREDIT,
+        AVAILABLE_CREDIT,
+        AMOUNTTYPE_ENUM_ELEMENTS
+    };
+    Amount GetCachableAmount(AmountType type, const isminefilter &filter,
+                             bool recalculate = false) const;
+    mutable CachableAmount m_amounts[AMOUNTTYPE_ENUM_ELEMENTS];
     mutable bool fChangeCached;
     mutable bool fInMempool;
-    mutable Amount nDebitCached;
-    mutable Amount nCreditCached;
-    mutable Amount nImmatureCreditCached;
-    mutable Amount nAvailableCreditCached;
-    mutable Amount nWatchDebitCached;
-    mutable Amount nWatchCreditCached;
-    mutable Amount nImmatureWatchCreditCached;
-    mutable Amount nAvailableWatchCreditCached;
     mutable Amount nChangeCached;
 
     CWalletTx(const CWallet *pwalletIn, CTransactionRef arg)
@@ -421,24 +415,8 @@
         nTimeReceived = 0;
         nTimeSmart = 0;
         fFromMe = false;
-        fDebitCached = false;
-        fCreditCached = false;
-        fImmatureCreditCached = false;
-        fAvailableCreditCached = false;
-        fWatchDebitCached = false;
-        fWatchCreditCached = false;
-        fImmatureWatchCreditCached = false;
-        fAvailableWatchCreditCached = false;
         fChangeCached = false;
         fInMempool = false;
-        nDebitCached = Amount::zero();
-        nCreditCached = Amount::zero();
-        nImmatureCreditCached = Amount::zero();
-        nAvailableCreditCached = Amount::zero();
-        nWatchDebitCached = Amount::zero();
-        nWatchCreditCached = Amount::zero();
-        nAvailableWatchCreditCached = Amount::zero();
-        nImmatureWatchCreditCached = Amount::zero();
         nChangeCached = Amount::zero();
         nOrderPos = -1;
     }
@@ -483,14 +461,10 @@
 
     //! make sure balances are recalculated
     void MarkDirty() {
-        fCreditCached = false;
-        fAvailableCreditCached = false;
-        fImmatureCreditCached = false;
-        fWatchDebitCached = false;
-        fWatchCreditCached = false;
-        fAvailableWatchCreditCached = false;
-        fImmatureWatchCreditCached = false;
-        fDebitCached = false;
+        m_amounts[DEBIT].Reset();
+        m_amounts[CREDIT].Reset();
+        m_amounts[IMMATURE_CREDIT].Reset();
+        m_amounts[AVAILABLE_CREDIT].Reset();
         fChangeCached = false;
     }
 
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -2115,6 +2115,16 @@
     return result;
 }
 
+Amount CWalletTx::GetCachableAmount(AmountType type, const isminefilter &filter,
+                                    bool recalculate) const {
+    auto &amount = m_amounts[type];
+    if (recalculate || !amount.m_cached[filter]) {
+        amount.Set(filter, type == DEBIT ? pwallet->GetDebit(*tx, filter)
+                                         : pwallet->GetCredit(*tx, filter));
+    }
+    return amount.m_value[filter];
+}
+
 Amount CWalletTx::GetDebit(const isminefilter &filter) const {
     if (tx->vin.empty()) {
         return Amount::zero();
@@ -2122,23 +2132,10 @@
 
     Amount debit = Amount::zero();
     if (filter & ISMINE_SPENDABLE) {
-        if (fDebitCached) {
-            debit += nDebitCached;
-        } else {
-            nDebitCached = pwallet->GetDebit(*tx, ISMINE_SPENDABLE);
-            fDebitCached = true;
-            debit += nDebitCached;
-        }
+        debit += GetCachableAmount(DEBIT, ISMINE_SPENDABLE);
     }
-
     if (filter & ISMINE_WATCH_ONLY) {
-        if (fWatchDebitCached) {
-            debit += nWatchDebitCached;
-        } else {
-            nWatchDebitCached = pwallet->GetDebit(*tx, ISMINE_WATCH_ONLY);
-            fWatchDebitCached = true;
-            debit += Amount(nWatchDebitCached);
-        }
+        debit += GetCachableAmount(DEBIT, ISMINE_WATCH_ONLY);
     }
 
     return debit;
@@ -2155,23 +2152,11 @@
     Amount credit = Amount::zero();
     if (filter & ISMINE_SPENDABLE) {
         // GetBalance can assume transactions in mapWallet won't change.
-        if (fCreditCached) {
-            credit += nCreditCached;
-        } else {
-            nCreditCached = pwallet->GetCredit(*tx, ISMINE_SPENDABLE);
-            fCreditCached = true;
-            credit += nCreditCached;
-        }
+        credit += GetCachableAmount(CREDIT, ISMINE_SPENDABLE);
     }
 
     if (filter & ISMINE_WATCH_ONLY) {
-        if (fWatchCreditCached) {
-            credit += nWatchCreditCached;
-        } else {
-            nWatchCreditCached = pwallet->GetCredit(*tx, ISMINE_WATCH_ONLY);
-            fWatchCreditCached = true;
-            credit += nWatchCreditCached;
-        }
+        credit += GetCachableAmount(CREDIT, ISMINE_WATCH_ONLY);
     }
 
     return credit;
@@ -2180,13 +2165,7 @@
 Amount CWalletTx::GetImmatureCredit(interfaces::Chain::Lock &locked_chain,
                                     bool fUseCache) const {
     if (IsImmatureCoinBase(locked_chain) && IsInMainChain(locked_chain)) {
-        if (fUseCache && fImmatureCreditCached) {
-            return nImmatureCreditCached;
-        }
-
-        nImmatureCreditCached = pwallet->GetCredit(*tx, ISMINE_SPENDABLE);
-        fImmatureCreditCached = true;
-        return nImmatureCreditCached;
+        return GetCachableAmount(IMMATURE_CREDIT, ISMINE_SPENDABLE, !fUseCache);
     }
 
     return Amount::zero();
@@ -2199,25 +2178,20 @@
         return Amount::zero();
     }
 
+    // Avoid caching ismine for NO or ALL cases (could remove this check and
+    // simplify in the future).
+    bool allow_cache =
+        filter == ISMINE_SPENDABLE || filter == ISMINE_WATCH_ONLY;
+
     // Must wait until coinbase is safely deep enough in the chain before
     // valuing it.
     if (IsImmatureCoinBase(locked_chain)) {
         return Amount::zero();
     }
 
-    Amount *cache = nullptr;
-    bool *cache_used = nullptr;
-
-    if (filter == ISMINE_SPENDABLE) {
-        cache = &nAvailableCreditCached;
-        cache_used = &fAvailableCreditCached;
-    } else if (filter == ISMINE_WATCH_ONLY) {
-        cache = &nAvailableWatchCreditCached;
-        cache_used = &fAvailableWatchCreditCached;
-    }
-
-    if (fUseCache && cache_used && *cache_used) {
-        return *cache;
+    if (fUseCache && allow_cache &&
+        m_amounts[AVAILABLE_CREDIT].m_cached[filter]) {
+        return m_amounts[AVAILABLE_CREDIT].m_value[filter];
     }
 
     Amount nCredit = Amount::zero();
@@ -2233,10 +2207,10 @@
         }
     }
 
-    if (cache) {
-        *cache = nCredit;
-        *cache_used = true;
+    if (allow_cache) {
+        m_amounts[AVAILABLE_CREDIT].Set(filter, nCredit);
     }
+
     return nCredit;
 }
 
@@ -2244,13 +2218,8 @@
 CWalletTx::GetImmatureWatchOnlyCredit(interfaces::Chain::Lock &locked_chain,
                                       const bool fUseCache) const {
     if (IsImmatureCoinBase(locked_chain) && IsInMainChain(locked_chain)) {
-        if (fUseCache && fImmatureWatchCreditCached) {
-            return nImmatureWatchCreditCached;
-        }
-
-        nImmatureWatchCreditCached = pwallet->GetCredit(*tx, ISMINE_WATCH_ONLY);
-        fImmatureWatchCreditCached = true;
-        return nImmatureWatchCreditCached;
+        return GetCachableAmount(IMMATURE_CREDIT, ISMINE_WATCH_ONLY,
+                                 !fUseCache);
     }
 
     return Amount::zero();