Commitments

What this solves

Commitments are big, dated obligations that don’t fit a monthly budget category: a car loan, a wedding you’re saving for, school fees, or a savings goal. This tab tracks the schedule, funded vs. still needed, and — for a loan — the payback plan, and warns you when something’s unfunded.

Create a commitment

Open Commitments, click New commitment.
Pick a type: Purchase (installments), Loan repayment (fixed schedule), Scheduled payments (a fixed series like school fees), or Savings & investing goal.
Describe it in plain language — Lucius drafts the schedule and funding plan for you to review.

Track and fund a commitment

The list shows each commitment’s funding coverage (from linked accounts, envelopes, or income) and a Needs attention lane for ones coming due without full coverage.
The detail page shows the full schedule; edit an existing funding source directly, or record a partial payment from the mark-paid box.
There’s no manual “add” form for a new funding source or a checklist action — click Manage with Lucius and describe what to add (an optional reminder included).
A timeline strip shows past and upcoming installments at a glance.

What Lucius can do here

Create a commitment of any type and set up its schedule from a plain description.
Add, remove, or update funding sources; record a loan repayment.
Add reminders and checklist actions; update details as plans change.

Things that trip people up

Not automatically funded just because you created it — coverage only rises once you link a real funding source.
Reminders are backed by an automation, not a plain setting — toggling one on creates a scheduled automation, also visible under Automations.
A loan commitment tracks the schedule you tell it, without verifying your rate or amortization against the lender — your own record, not a source of truth for what the bank charges.