A phone bought in parts shows up in your statement one payment at a time, and the rest of the debt is easy to forget. Turn the purchase into a plan in Budgie once, and you always see how many payments are left and when the next one is due.
With Monobank Pay in parts, the store splits the price into up to 24 payments. The first payment is taken right away when you buy, and the rest are taken from your card automatically on the same date every month. If you keep the number of payments the store offers, there is no fee; adding more payments costs extra.
With PrivatBank Pay in parts, the store sets the number of payments as well. For online purchases at the bank’s partner stores you can stretch the term yourself, up to twice the number of payments the store offers and no more than 25, for a fee for every extra month.
Either way, your statement only ever shows the payment that has just been taken. How much is still left, how many payments remain and when the last one is due stay out of sight, unless you keep track of them somewhere.
Budgie does not recognise pay-in-parts purchases by itself. Your bank’s first payment arrives as an ordinary expense, and it stays one until you turn it into a plan. You do that once per purchase, by hand, and it takes a few taps. From then on Budgie follows the monthly payments for you.
Open your transactions and find the expense for the first payment, dated the day you made the purchase. It can come from Monobank sync, from an imported PrivatBank statement or from an entry you added yourself.
Press and hold the expense in the list to open the long-press menu and choose Pay in parts. The same option is in the menu at the top of the transaction screen. It appears for an expense with a single category that is not yet linked to a debt and not merged into another transaction.
Choose 2, 3, 4, 6, 10, 12 or 24 payments; three are selected to begin with. Budgie treats your expense as one payment and multiplies it, so the plan total and the size of each payment update as you tap. Under the choice, a timeline shows the month of the first and the last payment.
If the bank quoted a different total, for example because you added payments for a fee, tap the total and type the amount from the bank. Budgie then shows the approximate size of each payment. Tap Fee 0% and enter the bank’s fee in percent to see how much of that total is the fee. The plan always follows the total you entered.
The plan takes the name of the purchase; tap it to rename the plan, for example to the item you bought. Tap Create plan, and Budgie opens the new plan straight away.
The plan screen shows what is left to pay, how much you have already paid, the total and the share already repaid. Below it, a line such as 2 of 3 paid gives the amount and date of the next payment, followed by every payment attached to the plan.
On Home, every open plan sits under You owe, next to your other debts. The card shows the next payment with its date and how much is left out of the total.
After each Monobank sync or statement import, Budgie checks every open plan. The next payment is due on the same day of the month as the first one. Budgie looks on the same account for an expense within three days of that date, with the amount of the next payment and the same name as the first one; for Monobank, Budgie recognises the bank’s own monthly payment entries. When exactly one expense fits, it is added to the plan. When several could fit, Budgie leaves them alone rather than guess.
Creating a plan does not add the full price as one big expense. Each payment stays an ordinary expense in its category, on the day it left your card. So your budget and spending statistics show what you really paid each month, not the whole phone in the month you bought it.
The plan itself is a debt: it shows what you still owe and is not counted as spending. For more on how plans work, see installment tracking.
No. You turn the purchase into a plan yourself with Pay in parts. After that, Budgie attaches the monthly payments that match the plan.
The first payment, the one taken on the day you bought the item. Budgie counts it as the first of the payments and works out the total from it.
Type in the total the bank shows, fee included. Enter the fee in percent to see how much of the total it is; the plan follows the total.
No. Each payment counts in its category in the month it is paid. The plan only keeps score of what is paid and what is left.
Yes. Any expense with a single category that is not already linked to a debt can become a plan, whether it came from a bank or you entered it yourself.
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