Recurring transactions
Rent, salaries, subscriptions, loan repayments, standing supplier orders — the payments that happen whether you remember them or not. Set them up once and stop re-typing them.
Detected patterns
SBB watches your entries and surfaces detected patterns: the same counterparty, a similar amount, at a regular interval. Rather than making you build every rule by hand, it proposes the ones already visible in your books, and you convert them to rules.
Review the suggestion before accepting — a coincidence of three similar payments is not always a pattern.
Creating a rule
Set:
- Amount — fixed, or left open where it varies
- Interval — weekly, monthly, quarterly, yearly
- Category and money location
- Counterparty
- Start date, and an end date where the commitment ends
When it is due
Rules can post when due — writing the transaction automatically — or wait for you to confirm.
Post automatically for genuinely fixed, certain amounts: rent, a subscription.
Confirm first where the amount moves: utilities, commission, anything usage- based. An auto-posted estimate that was wrong is worse than a reminder.
Why it is worth doing
Nothing is forgotten. The commitments that damage a business are the ones nobody logged.
Your forecast becomes real. Recurring rules are the backbone of committed outflow — without them a forecast only knows about money already spent, which is the least useful thing to know.
Month-end gets shorter. The predictable entries are already there.
Keeping rules honest
Review them quarterly:
- Cancel rules for services you no longer use — this is where quiet subscription waste hides
- Update amounts after a rent or salary change
- End rules for finished commitments
A stale recurring rule posts wrong numbers indefinitely, and because it looks routine nobody questions it.
Recurring vs adjustments
| Situation | Use |
|---|---|
| Same payment, regular interval | Recurring rule |
| One payment covering several months | Prepayment |
| Cost incurred now, billed later | Accrual |
| Asset cost spread over years | Depreciation |