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# Scheduled transactions: plan what is coming

Scheduled transactions are the money you know is coming or going: rent, payroll, a loan payment, a regular deposit. Adding them shows you whether an account will cover what is due before it is due.

Each one is a forecast. It shows in that account's register and its projected balance, and it never posts by itself. Give it a category and class, and the bank line it becomes is filed with them when you tie the two together. When a waiting bank line clearly matches one schedule (same account, same amount to the cent, within five days), BooksGPT suggests them for you: the line says **Scheduled** in your review inbox, and you approve it as usual or choose **Not this one**, which takes the suggestion off and keeps the payment in the forecast. For a split schedule the line offers **Split as scheduled** instead, and nothing changes until you click it.

## Add a schedule

1. Open **All pages** in the left sidebar, then under **Daily work** click [Scheduled](https://app.booksgpt.ai/go/scheduled-transactions).
2. Click **Schedule a transaction**.
3. In **What is it**, give it a name you will recognise, like Office rent.
4. Choose which way the money moves: **Deposit** or **Payment** on a bank, **Charge** or **Payment** on a card.
5. Enter the amount. Under **Category** pick what the bank line should be filed as, and its **Class** if your workspace uses classes. For a payment that covers several things, such as a loan's principal and interest, click **Split** and give each part its category and amount until it reads **Fully allocated**.
6. Enter the first date.
7. Leave **Repeats** on **Just once**, or pick an interval such as **Every month**, or **Custom**.
8. For a repeating one, set **Ends** to **Never**, **On a date**, or **After N** times. The summary under the form repeats the cadence and any end date.
9. Click **Add to register**.

![The Schedule a transaction dialog with Office rent, Payment, 2400.00, monthly, ending never](https://booksgpt.ai/help/scheduled/schedule-dialog-v2.png)

Every row in the list carries a **Forecast** label, so no date or amount reads as posted. **Category** shows what its bank line will be filed as, **Repeats** names the cadence, **Next** is the next date or **Finished**, and the amount carries its direction. A category you have since made inactive shows **Inactive**: edit the schedule to pick another.

![Scheduled transactions with rent, payroll, and a loan payment, one paused](https://booksgpt.ai/help/scheduled/schedule-list.png)

On each row you can:

- **Pause** it to stop counting it in the projected balance, then **Resume** it.
- **Edit** it to change the amount, date, or cadence.
- **Delete** it. Your books don't change, and bank lines it already filled keep their category.

![The schedule list as cards on a phone, each with the Forecast label, its cadence, next date, and actions](https://booksgpt.ai/help/scheduled/schedule-card-phone.png)

## Coming up in the register

In the account register, what you scheduled appears under **Coming up**, folded into the **Projected balance**:

- An item due on or before today that has not matched a posted transaction is marked **Overdue** (or **Due today**) at the top of the list. It counts as if it clears today, until it matches or you settle it.
- Click **It happened** and pick the bank line it became. **Use this line** files that line with the schedule's category and class, or splits it the way the schedule is split, and posts it; a line you already approved keeps its own category. If the amount was different you can tick **Use ... from now on**. **Mark done** records it without a bank line. On an account with no bank feed, such as petty cash, **Record transaction** adds the transaction for you, filed as scheduled, after showing any that look the same. Click **Skip** if the money is not coming.
- Upcoming items offer **Done** (on a phone, **It happened**) and **Skip**.
- A row you settle stays in the list, struck through, with **Undo** for at least a week.
- On a bank account, the **Lowest projected balance** leaves out late deposits, in case they stay late.

| When the real bank row arrives (same amount, within five days), the occurrence is marked **cleared** on its own. If it matched the wrong transaction, click **Undo** on its row.

## Good to know

- The register's Export puts the projection in its own file, so it can never be read as posted activity.
- A bank line waiting in the [review inbox](https://app.booksgpt.ai/go/inbox) is already in the register's balance, unless it is held as a possible copy of your imported books, so the projection starts from it.
- To read the projection in full, see [Open an account register](https://help.booksgpt.ai/en/article/open-an-account-register-1fdx4jg/).

|| A projection is a plan, not a record. Scheduled items never reach your reports, your reconciliations, or your books; only the real transaction does, when it posts.