Bills

Use this guide to learn how bills work in FinyxFin, including recurring payments, due dates, bill tracking, and payment workflows.

đŸŽŦ Watch the Video Tutorials

Learn how to manage bills and link payments in FinyxFin.

â–ļī¸ Watch: Bills â–ļī¸ Watch: Linked Entities

📱 Overview

Bills help you track recurring payments like utilities, subscriptions, and credit card statements. Set up your bills once and FinyxFin helps you stay on top of due dates and payment status.

ℹī¸ Important

FinyxFin is a personal finance organization tool designed to help you track and understand your finances. Calculations, imported data, summaries, projections, and classifications should be reviewed before relying on them for financial, tax, accounting, or legal purposes.

📅

Due Dates

Track when each bill is due

🔁

Recurring

Auto-generate monthly bills

💰

Record Payment

Pay bills directly from the bill row

🔗

Linked Payments

Connect existing transactions to bills

🔔

Reminders

Get notified before due dates

📋 Types of Bills

FinyxFin supports two types of bills, each with different linking rules:

📄 Regular Bills

Standard bills for utilities, subscriptions, and services.

  • Electricity, gas, water
  • Internet, phone
  • Subscriptions (Netflix, Spotify)
  • Insurance premiums

→ Paid via Expense transactions

đŸ’ŗ Credit Card Bills

Monthly credit card statements linked to your card accounts.

  • Chase statement
  • Amex monthly bill
  • Any credit card payment

→ Paid via Transfer transactions

⚠ī¸ Important Difference

Regular bills are paid with Expense transactions (money leaving your account). Credit card bills must be paid with Transfer transactions (money moving between accounts) — they are never treated as expenses.

➕ Creating a Bill

1

Open Bills

Navigate to the Bills section from the sidebar

2

Click Add Bill

Start creating a new bill

3

Enter Bill Name

Give it a descriptive name (e.g., "Electricity", "Netflix")

4

Set Amount

Enter the bill amount (can be updated later)

5

Set Due Date

When is this bill due?

6

Enable Recurring (Optional)

Set up automatic monthly regeneration

7

Save

Your bill is ready to track

📊 Bill Status

Bills can have the following statuses:

Unpaid Partial Overdue
Status Meaning
Unpaid No payment made yet
Partial Some payment made, balance remaining
Paid Full amount paid — you're done!
Overdue Past due date and not fully paid

💰 Recording a Payment

The quickest way to record a payment is directly from the Bills view — no need to go to Transactions first.

How to Access Record Payment

đŸ–Ĩī¸ Mac

Right-click on any bill row and select Record Payment from the context menu.

📱 iPhone & iPad

Swipe left on the bill row and tap Record Payment from the swipe actions.

You can also open the bill detail and tap Record Payment from there on any platform.

✅ All in One Step

Record Payment opens a pre-filled payment form with the bill amount and correct transaction type already set. Just choose the account, confirm the amount, and save — the bill status updates automatically.

đŸ’ĩ Paying Regular Bills via Linked Transaction

Alternatively, you can link an expense transaction to a bill directly from the Transactions screen. This is useful if you want to record the expense first and associate it with a bill at the same time.

1

Go to Transactions

Open the Transactions screen and click Add

2

Select Expense

Regular bills are expenses (money leaving your account)

3

Enable Link This Transaction

Toggle on the linking option

4

Select the Bill

Only regular bills appear (credit card bills are excluded)

5

Enter Payment Amount

Pay full amount or partial (e.g., $10 of a $60 bill)

6

Choose Account & Save

Select which account pays and tap Add

✅ Automatic Updates

The expense transaction is created and the bill automatically updates to Partial or Paid status based on the payment amount.

đŸ’ŗ Paying Credit Card Bills via Linked Transaction

Credit card bills require Transfer transactions. You can use Record Payment from the bill row (see above) or link a transfer manually from the Transactions screen:

1

Go to Transactions

Open the Transactions screen and click Add

2

Select Transfer

Credit card payments move money between accounts

3

Enable Link This Transaction

Toggle on the linking option

4

Select Credit Card Bill

Choose the credit card bill to pay

5

Save

Transfer is recorded and bill updates

💡 Why Transfers for Credit Cards?

When you pay a credit card, you're moving money from your bank to pay off debt — not spending money. The actual expenses were recorded when you made purchases with the card.

📝 Partial Payments

You can make partial payments on bills:

  • Pay any amount less than the full bill
  • Bill status changes to Partial
  • Remaining balance is displayed
  • Make additional payments until fully paid

Completing a Partial Payment

To pay the remaining balance:

  • Option 1: Right-click the bill → Mark as Paid
  • Option 2: Create another linked transaction for the remaining amount
💰 Amount Changes

If your linked payment amount differs from the bill amount, FinyxFin may prompt you to update the bill. Confirm to accept the new amount.

📅 Bills in Schedule View

View upcoming bills in the Schedule screen:

  1. Open Schedule from the sidebar
  2. Go to the Bills & Loans section
  3. See all upcoming bills with status and due dates
🔔 Apple Reminders Integration

Enable Apple Reminders sync to get bill reminders on your Apple Watch, through Siri, and in the Reminders widget. See the Apple Reminders guide for setup.

❓ Frequently Asked Questions

Q: Why can't I see credit card bills when linking an expense?
Credit card bills only appear when linking Transfer transactions. They're excluded from expense linking because credit card payments aren't expenses — they're debt payments.
Q: Can I change a bill's amount?
Yes, edit the bill to change the amount. If you pay a different amount via linked transaction, you'll be prompted to update the bill.
Q: How do I handle variable bills like electricity?
Set up the recurring bill with an estimated amount. When you pay, link the transaction with the actual amount — the bill will update accordingly.
Q: Can I link existing transactions to bills?
Yes, but only from the Transactions screen. Select the transaction, enable linking, and choose the bill.
Q: What if I delete a linked payment?
The bill status will revert — from Paid to Partial, or from Partial to Unpaid — based on remaining payments.
Q: Can I have multiple bills with the same name?
Yes, each bill is tracked separately. You might have "Electricity" bills for different months or properties.

đŸ’Ŧ Need Help?

📧 Contact Support

Email us at: support@finyxfin.app

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