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Plan

Not sure about a term? See the Glossary.

What the Plan page is for

Plan items describe money you expect to happen.

Examples:

  • salary (incoming)
  • rent (outgoing)
  • subscriptions (outgoing)
  • VAT payment (outgoing)
  • Income tax prepayment or additional payment (outgoing), if you have run "Preview plan items" and "Apply plan items" from tax data

One-time vs recurring

  • One-time: happens once (e.g. a yearly insurance payment)
  • Recurring: happens multiple times (e.g. rent every month)

In a recurring plan item, each single date is one instance.

Plan items (income tax)

When you record tax assessments, projections, or prepayment notices on the Tax projection page and run "Preview plan items" and "Apply plan items", Valutra creates plan items — e.g. quarterly prepayments, additional payments, or refunds.

These plan items appear here in Planning and flow into the Balance forecast.

Projects & contracts (optional)

Note: Projects/contracts are typically relevant for freelancers/self-employed and companies. If you are employed, you usually don’t need this section.

If you plan income via projects or contracts (typical for freelancers/self-employed), you’ll see an additional Projects & Contracts section at the top of this page.

  • Use it to create projects/contracts and derive planned income from them.
  • If you don’t need it, disable it in Settings (“Enable Projects & Contracts (for freelancers/self-employed)”).

More details: Projects & contracts and Settings.

Create a plan item from a payment

If you recorded a recurring payment in the past but do not yet have a matching plan item, you can create one directly from the payment modal.

Steps:

  1. Create or open a payment on the Payments page.
  2. Click Create plan item.
  3. Review the suggestions (name, amount, recurrence, start date) and choose a category.
  4. Save the plan item.

Details and limitations: Payments — Create a plan item from a payment.

Keep planning and reality consistent

When actual payments exist, connect them to instances.

Important rule (no double counting):

  • if a payment exists for an instance, the payment wins

Retirement: select plan items

You can mark individual plan items as retirement-relevant so they are included in the retirement view.

How it works:

  1. In the table, use the Retirement column (circle ○ / check ✓).
  2. Click ○ to mark the plan item as retirement-relevant.
  3. In the dialog, set the amount in retirement (in today’s money, without inflation).
  4. Click ✓ to open the dialog again (adjust the amount or remove the retirement setting).

Important:

  • The “amount in retirement” is a separate assumption for the retirement view.
  • The plan item itself stays unchanged.

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