Payment Services (EMI Tracking)

Payment services track recurring financial obligations — like loan EMIs or credit card bills — that are due on a fixed day each month.

Common Examples

• Home loan / car loan EMI
• Credit card minimum payment due
• Personal loan repayment
• School/college fee (monthly instalment)

Setting Up

1. Go to Services → + Add Service
2. Select Payment as the type
3. Enter:
   • Service Name (e.g. "Car Loan EMI")
   • Monthly Amount in ₹ (e.g. 12,500)
   • Billing Day (e.g. 7 for 7th of each month)
4. Save

Tracking

On the Calendar, the payment appears only on its billing day showing a Paid or Unpaid status.

When you pay:

1. Click Mark Paid on the calendar or in the Bills section
2. Select your payment method (Bank Transfer, UPI, Cash, etc.)
3. Optionally add a payment note (e.g. transaction reference)

Notes

• Payment type is identical to Subscription in how it's tracked — both are fixed charges on a billing day
• The distinction is semantic — use Payment for financial obligations (loans, dues) and Subscription for services (streaming, memberships)
• Past payment history is stored so you can verify you've never missed an EMI