Better handling of past loan installments

[raninehme]

Hi! One small improvement I noticed while testing loans.

The loan screen already supports marking installments as paid, but when creating a loan with a first due month in the past, all installments still start as unpaid.

It would be useful to handle this in one of two ways:

• Automatically treat past installments as paid based on the first due month
• Allow selecting specific previous months/installments and marking them as paid

For example, if a loan started in February and several monthly payments have already happened, I should be able to enter that history instead of starting again from 0 of 15 paid.

That would make it much easier to add existing loans to Yuvomi without the remaining balance being incorrect.

Thanks for considering it!

[ulsklyc]

Shipped in v2.29.0. The loan form now asks how many installments are already behind you, and it suggests the figure derived from the first due month - so in your February example, adding the loan today fills in the months that have passed instead of starting at 0 of 15.

It suggests rather than derives, which is the one place I did not follow your first option. A payment-free start, a deferral, or a loan entered late with a gap in its history all make the computed number wrong, and a silently applied wrong number is worse here than no number at all, because it creates real payment records. So the field is prefilled and stops suggesting the moment you touch it. That also covers your second option in practice: if six of nine past months were actually paid, you type 6.

The expensive part was not the field - it was what the obvious implementation would have done. Ticking those installments off through the normal payment route would have booked each one into the budget, because every regular installment creates a budget entry. Those payments were made before Yuvomi existed and never went through your household. Booking them would have filled past months with expenses that never happened and moved your account balances with them - you would have fixed the remaining balance and broken the history. The brought-forward installments are therefore recorded against the loan with no budget entry attached, while ticking off an installment the normal way books exactly as it always did.

Thanks for the report, and for describing the situation rather than just the feature - the detail that these payments predate the app is what determined the whole shape of the fix.

[raninehme]

Amazing work. Will test it out!