Loan

A consumer loan, a mortgage, a car loan, a business loan — create an account of type “Loan”. It knows the bank’s payment schedule: how much to pay and when, how much you still owe, when you will pay it off and how much you will overpay. The app accrues interest on its own, and a payment is a single transfer from your account. Do not confuse it with a credit card: a card has a limit and an interest-free period, a loan has a schedule.

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How to add one

On the “Accounts” screen press + New account, type — “Loan”.
Name the account — “Mortgage”, “Car loan”, “Growth loan”.
Enter the outstanding debt — without a minus sign. For a new loan that is the full amount, for a loan you are already paying — what you still owe the bank.
Set the issue date, or for a loan you are already paying — the date of the last payment. The debt refers to that date, and interest accrues from it. The app does not invent past payments: they already left your accounts.
Fill in the rate and the term in months or the contract payment — one of the two is enough. If you know the payment from the contract, enter it: it is more precise than the computed one (it carries the bank’s rounding and insurance), and the app derives the term itself.
Check the payment day — the day of month from the contract. It follows the date above until you pick another one: click the field and pick the day in the grid, as in a calendar, or “Last day”. Same as the issue date brings it back to the date.
Keep the payment type “Annuity” (equal payments — most loans work this way) or choose “Differentiated” (equal principal shares, a declining payment).
Switch on “The money landed on my account” only for a cash loan: pick the receiving account and the date — the app records the disbursement as a transfer from the loan account to yours. The landing date follows the issue date until you touch it, so interest for payment dates that have already passed is accrued exactly as the preview promises. Set a later date and the app drops that promise honestly: until the money lands, no interest builds up. For a mortgage or a car loan the bank pays the seller directly, and a loan you are already paying is not marked by money on your account — leave the switch off.
Press Create.

As soon as the debt, the rate and the term (or the payment) are filled in, a “What happens next” note appears under the fields: the monthly payment, the next payment date and the interest for the period. If the start date is in the past and payment dates have already passed, the note also says how many accruals the app will create — record the payments you have made since then as transfers yourself.

Computer and web: “New account” → the “Loan” type → the outstanding debt, the rate and the term; under the fields “What happens next” shows the payment, the next date and the interest for the period, and “Create” opens the card of the new loan.

Phone: “Add account” → a name and the “Loan” type → the outstanding debt, the rate and the term; “What happens next” appears below with the payment and the next date, and “Create” saves the loan.

Interest accrues by itself

On the payment day a “Loan interest” expense for the past period appears on the loan account: the app computes it by actual days on the outstanding debt — the way the bank does. It is a regular transaction: visible in the feed, editable and deletable, and the app never creates it a second time. Interest you recorded by hand or imported from a statement wins: the app skips its own accrual for that period, and if that interest arrives after the app's accrual, it replaces it.

Changed the payment day, the issue date (or the date of the last payment), the outstanding debt or the currency in the account settings? The app recalculates its own accruals under the new terms instead of leaving the old ones next to the new ones. The edit form warns about it in advance with an “Accruals will be recalculated” notice. Accruals you corrected by hand stay as they are; changing the rate does not recalculate the past — it applies to the next periods.

Automatic accrual is on from the start — the “Accrue interest automatically” switch in the account settings. Without it the balance would drift from the bank by exactly the interest after the first payment. If your bank counts differently (a grace period on a mortgage, say), switch it off and enter the interest yourself with the same category.

A payment is a single transfer

When the payment day comes, record a transfer from your money account to the loan account for the payment amount. The interest has already been accrued by then, so the transfer covers it and part of the principal — the balance afterwards matches the bank’s schedule. There is no need to split the payment into “interest” and “principal”.

The “Make a payment” button on the loan card opens a transfer with the loan account already set as the recipient — pick your account and check the amount. In a personal book a transfer can repeat: switch that on and the payment records itself every month.

Early repayment is just a bigger transfer. The schedule is recomputed from the actual balance: the payoff date and the overpayment move on their own, and the calculator on the “Schedule” tab shows exactly how much you save.

“Mortgage” → “Make a payment”: the transfer to the loan is prefilled, 30,950 ₽ — the remaining debt goes down, and the “Schedule” tab says the next payment is made and shows the following date.

On the phone, “Make a payment” on the loan card opens a transfer with the loan already selected.

The “Schedule” tab

Next to “Transactions” on the loan card there is a “Schedule” tab:

Next payment — how much to pay by which date, and how many days are left. Seven days before the due date the line turns yellow, three days before — red; an overdue payment stays highlighted until you record it. The app counts cumulatively: pay a couple of days late and the overdue mark clears itself, pay ahead and the reminder stays quiet until the lead runs out.
Cost of the loan — the outstanding debt, the payment, the rate with “≈ this much interest per month right now”, the month you pay it off and the interest ahead, plus “Interest paid” — from real transactions, all time and this year.
Payment schedule — the date, the payment, the interest, the principal and the balance after the payment, from the current balance. The first row is the nearest unpaid payment: on the payment day it is today's, with the interest already accrued, and once you pay — next month's. The next 12 rows are shown, the full schedule is a button away. On a computer and on a tablet this is a five-column table; on a phone it is “date and payment” cards with “interest · principal” and “balance” meta lines, so every number reads without swiping sideways.
Early repayment — an “extra per month” control (a slider on the web and on a computer, preset chips on a phone): how many months earlier you pay it off and how much interest you save.

If the payment does not cover the interest — which happens with a high rate and a small payment — the debt does not go down: the “Paid off by” tile shows a dash and there is no payment schedule, since such a loan cannot be closed under its contract. The calculator says so plainly: “The payment does not cover the interest — the debt does not shrink”. Pick an extra amount, and as soon as the schedule starts to converge it shows the payoff date and the interest ahead. “N months earlier” is not shown in this case: without the extra the loan never closes, so there is nothing to compare with.

If the schedule terms are missing (rate, term or payment not filled in), the tab suggests setting up the account.

The “Schedule” tab: the next payment with a traffic light and “Make a payment”, the “Cost of the loan” tiles, the payment table and the extra-payment slider — the calculator shows at once how many months earlier the loan closes and how much interest you save.

Phone: the same “Schedule” tab — the next-payment card, “Cost of the loan”, the payments as row cards and early repayment with “+1,000 ₽” … “+25,000 ₽” chips.

Footnotes under the calculations

The ¹ mark by “Cost of the loan” and “Payment schedule” points to a footnote at the bottom of the tab: the schedule, interest and total cost are calculated from the rate, term and payment type you entered; your bank may round amounts and shift dates, and the exact schedule is in your loan agreement. The line below reminds you that the calculations are for reference only and are not an individual recommendation: you make your own decisions based on them (section 6 of the License Agreement).

Where else the loan shows up

On the “Accounts” screen loans are grouped under “Loans” right after credit cards, with the total debt and the monthly payments in the header. Instead of a balance sparkline the card shows “30 950 ₽ by 15 Sep · 5d”.
The balance card of the account says “Outstanding debt” without a minus sign (“Loan repaid” at zero), the same next-payment line sits under the amount, the KPIs are “Paid” and “Interest” for the month, and “Debt dynamics” replaces “Cash flow”.
On the Summary a notice with the amount, the date and a “To schedule” button appears seven days before the payment and when it is overdue. The cross hides it until the next payment date, a recorded payment removes it by itself.
Loans are part of the book’s total balance as a liability — just like a credit card debt. If the negative figure in the total gets in the way, turn off “Include in total balance” in the loan form: the loan stays in the list with its outstanding debt but leaves the total balance.

In a business book

The “Loan” type is available in a business book too. Interest is an expense and counts towards the tax base under “income minus expenses” and the general regime; the principal and the disbursement are transfers and never land in income or expenses.

Where next

Credit card — limit, interest-free period, minimum payment.
Recurring transactions — how to make the loan payment recurring.
Transactions — how the transfer that carries a payment works.
Accounts — the general things: transfers, currencies, archive.