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Add Support for Credit Card Installment Plans

Budget Flow💡 Feature Requests

Dear Budget Flow Team,

I hope this message finds you well.

I’m writing as a loyal and engaged user of your app to strongly request the addition of one crucial feature that is currently missing—credit card installment tracking.

In many countries, especially in Asia, installment payments on credit cards are a common and essential part of personal finance. However, Budget Flow does not currently support this function, which makes it very difficult for users like myself to accurately reflect our cash flow and debt management in the app.

This missing feature creates a major gap in what is otherwise a highly useful budgeting tool. For users managing multiple installment plans—whether for electronics, healthcare, or large purchases—it's incredibly frustrating not to be able to track payment schedules, outstanding balances, and monthly obligations within the app.

I urge your team to prioritize the development of this feature. It would not only greatly improve the accuracy of financial planning but also expand the app’s appeal to a broader international user base.

Thank you for your hard work and continued innovation. I look forward to hearing your plans regarding this functionality.

Consolidated requirements

  • Represent the full credit-card purchase/liability separately from its scheduled monthly installments.

  • Show installment progress such as “$100 (1/3)” for a $300 purchase paid over three months, together with the outstanding balance and monthly obligations.

  • Keep the finite payment schedule distinct from an indefinite recurring expense.

The additional manual payment action has been tracked separately: Pay now action for credit card statement balance.

Posted by Harlem Hsieh ·
4 comments

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Comments4

  • Render Now

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    Oct 29

    •

    Merged request

    •

    10 votes

    Divide expenses into months with credit card.

    When you make an expense, you have the option to pay it in months. For example, when making a purchase of $300 in 3 months, In your credit card account you will see the total expense of $300, but in the monthly transactions you will see the expense of “$100 (1/3)” the first month and so on every month until it is paid.

    • thetanguy

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      Sep 16, 2024

      Awesome, would be also great to have a “Pay now” button in each credit card account. The expectation would be when you press the pay now button, the app directly shows the amount which you owe in the first month.

      Best example from a competitor: “Money Manager”

      This is the credit card account setup screen where you have a settlement and payment date:

      Then you use the credit card for 2 months, and the usage will be divided based on your settlement date:

      Then you see the “Pay” button in your current month

      When you press that, it will show you the balance until the previous settlement date to be paid now:

  • Ahmad Jamal Baioun

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    Oct 29

    •

    Merged request

    •

    11 votes

    Installment Tracking

    It would be extremely helpful to have an installment/payment plan feature — allowing us to log recurring monthly payments separately from regular expenses. This would make budgeting and forecasting much easier. Thank you!

  • Homero Zambrano

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    Oct 29

    •

    Merged request

    •

    1 vote

    Add the option for installments

    In recurring payments, add the option of choosing which type it is, repeat or installments