Recurring transactions

Most money movements aren't surprises. Rent is due on the first, the paycheque lands on the 25th, and you already know about the dentist appointment next month. Budgero gives you two ways to put that knowledge into the budget before the money moves — recurring transactions for things that repeat, and scheduled one-offs for things that happen once. Both show up on your dashboard so the next few weeks are never a mystery.

True to Budgero's manual-first philosophy, neither posts anything behind your back: recurring transactions wait for your confirmation, and one-offs are entries you created yourself.

Recurring transactions

A recurring transaction is a template: what to pay (or receive), from which account, in which category, and on what rhythm. You manage them in Settings → Recurring Transactions.

Each template defines:

• Name and memo — "Rent", "Salary", "Gym membership".
• Direction — a Bill (outflow) or Income (inflow).
• Amount, account, and category — exactly like a normal transaction.
• Schedule — daily, weekly, every 2 weeks, monthly, every 2 months, quarterly, every 6 months, or yearly, anchored to a start date.
• Reminder — how many days before the due date you want a notification.

From the schedule, Budgero generates occurrences — the individual upcoming due dates — about six months into the future. The settings page lists what's coming up next, and for each occurrence you have two choices:

• Mark ready creates the real transaction and runs your continuous rules on it automatically — so the payee, category, and memo cleanup you've automated applies to recurring entries too. The transaction is always dated on the occurrence's due date, even if you confirm it a few days early.
• Skip this time drops a single occurrence without touching the schedule. The series continues with the next date.

Nothing is ever posted automatically. A recurring transaction is a reminder with a one-click "make it real" button, not a standing order — you stay the final checkpoint between the plan and the ledger.

Templates can be paused and resumed at any time, and deleting one removes upcoming reminders without touching transactions that were already posted.

Reminders

Enable notifications on the Recurring Transactions page and Budgero will remind you before each due date, using the per-template "days before" setting. Notifications are local to your device — consistent with the zero-knowledge model, no server ever learns what your bills are.

Scheduled one-off transactions

Not everything repeats. For a single known future expense — a flight payment, an annual insurance premium, a planned purchase — just enter a normal transaction and give it a future date. There's no separate feature to learn: the regular transaction form on any account page is all it takes.

A future-dated transaction is a real ledger entry that simply hasn't reached its date yet. You can edit or delete it like any other transaction, and it appears on the dashboard as Scheduled so it doesn't catch you off guard.

The Upcoming transactions card

The dashboard's Upcoming transactions card merges both kinds of planned activity into one timeline:

• Recurring series show only their next occurrence — a monthly bill appears once, not six times. Recurring items carry a Recurring badge (or Ready to post once you've marked them ready).
• Scheduled one-offs show every future-dated transaction within the next 3 months, marked with a Scheduled badge.

The card shows the soonest six items, each with its amount, account, and a due-in countdown. Items are interactive:

• Click a recurring item to jump to its account page.
• Click a scheduled item to open a quick-edit dialog where you can adjust the date, amount, payee, or category — or delete it — without leaving the dashboard.

The Manage automations link at the bottom takes you to the recurring settings page.

Which tool for which job?

You know…	Use	Why
It repeats on a rhythm (rent, salary, subscriptions)	Recurring transaction	One template covers every future instance, with reminders
It happens once, on a known date	Future-dated transaction	A real entry, already in the ledger, visible on the dashboard
You're saving toward it but haven't committed to a date or payee	A goal	It's a funding plan, not a transaction yet — see Goals

A common pattern combines all three: a target-date goal accumulates the money, a recurring reminder nudges you when the bill is near, and marking it ready posts the transaction against the category the goal has been filling all along.