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Spread transactions

Budget Flow💡 Feature Requests

It would be great if transactions could include a start and end date to influence the monthly +/- balance.

E.g. adding the ability to apply the start and end date for e.g. a membership/subscription (gym, insurance, utility bill) if payed annually, quarterly etc. (exceeding one calendar month). The amount should be deducted directly from the account as it has been already paid but calculated based on the total days of the prepayment (e.g. 365 days) the amount for each day should be applied to monthly balancing if opted in.

Let’s say a gym membership costs 600€ per year, the annual payment of the 600€ should be deducted from the bank account but there should be the option to distribute/spread the transaction balance across the entire time e.g. -50.95€ in January so there isn‘t a full hit in Decembers +/- balance. Same could be applied to income as well e.g. bonus one-time-payment for the entire prior year.

Posted by Disjoin-zaire-wireless-urgent ·
6 comments

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Comments6

  • ssmmuu

    •

    Mar 15, 2025

    Totally need this feature. In financial terms, this would be called amortization.

    Picture this scenario. I have a monthly budget of 30,000. However, I pay 30,000 in house rent quarterly in advance, so 4 times per year.

    From an account perspective, the 30,000 for the first quarter is debited on 1 Jan, but the budget for Jan should only be reduced by 10,000.

    To implement this feature, for every transaction there should be an “Amortize” toggle. You should then be able to set a start and end date. The dates should be used to affect budgeting. For the account, the entire amount should be debited on the day of the transaction.

  • Simone

    •

    Feb 9, 2025

    I’d like that the transaction had duplicable, without write again place, tag, and other description

  • moneytracker2948

    •

    Jan 22, 2025

    I think this request would be useful, but I wonder if it would become a little confusing with viewing the total amounts.

  • Danial Ul-Haque

    •

    Jan 5, 2025

    Have you tried saving it as a recurring transaction?

    Then every month same amount is deducted from your account. Also you can change the amount for every month if it’s higher or lower