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Recurring transactions

A salary every month, rent, subscriptions, your internet bill — transactions that repeat on a clear interval. Recurring transactions free you from entering them by hand: set the schedule once, and Svodly creates the transactions on their dates itself.

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A new 1,500 ₽ “Swimming pool” expense dated 6 October → “Repeat” → “Custom schedule…”: “Week”, every 2 weeks on Tuesdays and Thursdays, 10 times — “Next” updates at once. After “Save” the journal already has the 8 October one as well: missed dates are filled in automatically. The opened transaction shows “Every 2 weeks on Tue, Thu · 10 times”.
On the phone: “+” → 1,500 → “Repeat” → “Week”, every 2 weeks on Mondays and Thursdays, “Count” 10 — “Upcoming” recalculates at once → “Done” → “Sport & fitness” → “Save”: the transaction is in the feed, and the Summary shows a “Charge in 3 days” banner.

Create a recurring transaction

  1. Create a new transaction (+) — an expense or income — and fill in the amount, account and category as usual.
  2. Open the “Repeat” field and choose a frequency: Every day, Every week, Every month, Every year — or “Custom schedule…” for fine-tuning.
  3. With “Custom schedule…” the settings open right under the field (the “Set up schedule” link under a preset frequency leads there too). Define the frequency and the “every N” step, the days of the week (for weekly), the day of the month or “last day” (for monthly), and the ending — “Forever”, “Until date” or “Count … times”. The next dates are shown right under the settings.
  4. Save the transaction — it becomes the first in the series. If its date is in the future, it shows up in the journal on that day; if it is in the past, the missed repeats are filled in right away.
The “Repeat” field is available in a personal book for expenses, income and transfers between your own accounts. In a business book the role of “expected payments” is played by settlements, so the field isn't shown there.

A repeating transfer

“Put money aside into savings every month” no longer has to be entered by hand: transfers between your own accounts have the same “Repeat” field as income and expenses — on the “Transfer” tab. On its date a full transfer is created with both legs (money leaves the source account and arrives on the destination one), including a cross-currency one — at the rate set when the series was created.

To set aside not on a schedule but from every income — “10% of every salary” — use the savings account’s auto-allocations.

Skipping a single repeat or stopping the series removes the transfer as a whole, both legs at once — no one-sided half is left behind.

The schedule is for transfers between your own accounts inside one book. A transfer between books has no repetition yet — it is entered by hand on its date.

How transactions are created

Svodly creates the transactions in a series automatically on their dates. Generation is “catch-up”: transactions missed while the app was closed are created when the app starts, when the book is opened and after syncing. There are no separate notifications — a ready transaction simply appears in the journal.

Managing a series

Recurring transactions live in the shared “Transactions” journal, and expense series are also listed on the Subscriptions tab of Analytics — with the per-month price and the next charge. Open any transaction in a series to:

Transactions that have already been created stay in place when a series is stopped. Handy, for example, for raising the amount when rent is indexed, via “this and the following”.

To move a transaction of a series to another day, change its date or time. With the “only this one” scope, just this transaction moves and the series stays as it was. With “this and the following”, it moves together with all the following repeats: a payment that came on the 27th now comes on the 26th. The date can’t be changed for the whole series at once — transactions already made stay on their dates.

A subscription transaction of 14 September → date 12.09 → “Save” → “This and following”: the transaction moves, and the series becomes “every month, on the 12th”.
On the phone the date is changed in the calendar of the transaction form; on saving, a sheet asks for the scope — “Only this one” or “This and following”.

The series template carries more than the amount, the account and the category: the project and the tags are its fields too. Repeats inherit them, and editing by scope changes the project and the set of tags on a single transaction, on all live transactions of the series, or on a new rule if the series has been split. Clearing the project or all the tags works the same way — in any of the three scopes.

Automatic tags — “Recurring”, “Subscription”, “FNS receipt” — do not go into the template: the app puts them on a particular transaction itself, and editing the series does not remove them. A tag deleted from the directory is not put on new repeats. Recurring transfers have no project.

Floating amounts

For payments with a variable amount (an electricity bill, say), set the series for a regular date and edit the specific transaction after the fact: open the created record and change the amount with the scope “only this one”. If there was no payment this month — skip the repeat.

Recurring transactions don't move money at the bank — they only create records in your Svodly book. The actual payment goes through your bank, the Faster Payments System (SBP) or your provider's app. Svodly merely records the fact.

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