Installment expenses and payment method

What it is

An instalment expense is a single purchase split into several charges over time — a new fridge over 10 months, a sofa over 6, a roof repair over 3.

Rather than recording ten loose expenses and losing sight of the total, you record one expense and say how many instalments it was split into. Each instalment then gets its own date and its own status.

When to use it

High-value purchases split on a card or by bank slip.

Services contracted with staged payments.

Any one-off cost that will be settled over several months.

Do not confuse this with a recurring expense: recurring is a cost that repeats indefinitely (electricity, internet, monthly cleaning). An instalment expense is a purchase with a defined end.

How to record it

1. Go to Transactions → + New Transaction.

2. Select the type Expense.

3. Fill in the category, the description, the total amount and the date.

4. Enter the number of instalments.

5. Choose the payment method.

6. Click Save.

The instalments are generated with their respective due dates. You track each one and mark them off as they are paid.

Planned and actual method

When you record the expense you say how you intend to pay — the planned method. When the payment happens, that choice automatically fills in the actual method, which is how it was really paid.

Most of the time the two are the same and you need do nothing. The distinction exists for when it changes: you planned a bank slip and ended up paying by Pix.

Credit card instalments

A purchase split on a credit card is treated as an already paid purchase. The supplier has been paid; the debt is now with the card issuer.

That changes how the cost appears in reports, and it is the accounting-correct behaviour — it stops a completed purchase showing as outstanding for months.

What you will see in Rezvia

The main expense, with the total amount and the list of instalments.

Each instalment's payment appears in the financial filters and in the main expense's history, so you never lose the link between an instalment and the purchase that created it.

On instalment expenses, controls that make no sense for that kind of entry are hidden, to avoid edits that would be refused.

The screen works the same on mobile and on desktop.

Worked example

You buy a washing machine for R$ 3,000 over 6 instalments on a credit card.

You record a R$ 3,000 expense, enter 6 instalments and choose credit card. Rezvia generates the six instalments of R$ 500.

Because it was on a credit card, the purchase is recorded as already paid. In the following months you track each instalment, and the history stays tied to the original purchase — with no six loose expenses fighting for space in the report.

Important

Splitting into instalments does not change the total amount of the expense; it only spreads the payment.

An instalment expense is different from a recurring expense. See How to configure recurring expenses.

The instalments here are for your own expense. They have nothing to do with the instalments offered to a guest paying for a booking.