Scheduling a bill

Step 8 of the Quick start. Your register reads correctly and your envelopes are set. The last piece is what has not happened yet.

Schedules forecast — they never post on their own

This is the most important thing on the page. A scheduled bill in Tovari is a forecast. It tells the app that $X is expected to leave account Y on date Z, so your projections and your Safe to Spend number can take it into account.

Nothing is ever written to your register automatically. A schedule cannot create a transaction; only you can, with Enter. If you never touch a scheduled occurrence, no transaction exists for it — the occurrence simply stays outstanding.

Enter and Skip

Each bill carries a cursor: the next occurrence Tovari still considers unpaid. Both actions move it, and only one of them writes anything.

Action	What it writes	What it does to the schedule
Enter	Creates a transaction dated at the occurrence, prefilled from the bill — payee, category, and signed amount — as an uncleared row	Advances the cursor past that occurrence
Skip	Nothing at all	Advances the cursor past that occurrence

So Skip is “this one didn’t happen, move on”, not “delete the bill”. The schedule itself is untouched and the next occurrence appears as normal.

One refinement on Enter: if your bank has already posted that exact payment, Tovari can recognise the existing row and settle the occurrence against it rather than creating a second copy.

Overdue occurrences stay put

Tovari measures “next due” from that cursor, not from today. An occurrence you never entered does not quietly disappear when its date passes — it stays outstanding and shows as overdue on its real date. A bill whose first payment is in the past therefore surfaces immediately, overdue, exactly as it should.

The consequence is that a backlog is visible rather than silently discarded, and you clear it by entering or skipping each occurrence.

Web

Create the schedule

1. Open Bills & Schedule in the left navigation.
2. Press Add Bill in the toolbar. The editor panel opens.
3. Fill it in:
   • Amount, and whether it is an expense or income.
   • Category and Account.
   • Memo — optional; it is carried onto the transaction when you enter one.
   • Frequency — one-time, weekly, biweekly, twice-monthly, monthly, quarterly, or annually, with the day-of-month or day-of-week controls the frequency needs.
   • First Payment (or Date for a one-time item).
4. The editor autosaves — there is no Save button.

If you set a first payment in the past, the editor asks whether you meant it: Yes, schedule it keeps the past date (and the occurrence surfaces overdue straight away), or Use today moves it forward. Once a schedule is running, Next Payment is editable, which is how you reset or nudge the cursor by hand.

Enter or skip an occurrence

Scheduled occurrences also appear at the top of the account’s register, in the Scheduled Bills section. Each row ends with two small buttons:

• The tick — Enter — posts the transaction and advances.
• The cross — Skip — advances only.

Each row also shows a projected balance, so you can see what the account looks like after the occurrence lands.

Mobile

Enter and Skip do exactly the same thing here as on the web — same two verbs, same cursor, same forecast-only rule. What is different is how you reach them: mobile puts them on the row itself rather than in a grid of icon buttons.

Create the schedule

1. Open the Bills tab in the bottom tab bar.
2. Tap Add a bill in the header. The New Bill sheet opens.
3. Fill in the amount, Account, category, frequency, and First payment.
4. Tap Save. (Tapping an existing bill opens the same sheet as Edit Bill.)

Enter or skip an occurrence

There are two routes, and they offer the same two verbs in the same order:

• The action strip. A bill due within the next seven days shows an inline Enter / Skip pair directly under the row. If an Enter fails, the button becomes Try again in place — you do not have to hunt for a banner — and Skip stays available, because a failed Enter has not consumed the occurrence.
• Swipe (iOS). Swipe the row right to reveal Enter and Skip. Swipe left instead for Pause/Resume, Edit, and Delete. A long swipe fires the leftmost action of the set it revealed, which on the left-swipe side is deliberately Pause — the reversible one — so a careless full swipe can never delete a schedule.

On Android, long-press the row for the same menu instead of swiping.

A paused bill has no outstanding occurrence, so it offers no Enter or Skip at all rather than an action the server would refuse.

Where you are now

Tovari knows what you have, what you spent it on, what you are budgeting, and what is coming. That is everything the last page needs: understanding Safe to Spend.