Scheduled and recurring payments

Salli keeps future payments separate from confirmed Activity until they actually happen.

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One-time plans

Create a future expense or income with:

• merchant or payer;
• direction and amount;
• account;
• category;
• due date; and
• optional note.

The plan appears in upcoming projections but not in the ledger. Choose Record paid when it happens; Salli then creates a confirmed transaction and removes the plan.

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Recurring detection

Salli groups confirmed, non-transfer debits by account, normalized merchant, and category. It suggests a pattern only after at least three observations with a consistent cadence and amount. Supported cadence windows:

• weekly: observed median of 5–9 days;
• monthly: 25–36 days;
• quarterly: 80–100 days; and
• yearly: 330–400 days.

Amount variation must remain within 18%, and cadence-specific tolerances must pass.

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Approve before tracking

Suggestions show confidence and estimated next date. You can track, edit, dismiss as not recurring, or leave them for later. Nothing reserves money until you approve it.

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Safe to Spend and reminders

Approved payments due before payday reserve money. Optional local reminders can use a private preview that hides merchant and amount.

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Stop or delete

Stopping a recurring schedule prevents future reservation and reminders but does not delete past transactions. Deleting a one-time plan removes only the future plan.