Link an expense to a commitment

Sometimes a charge lands in your expenses and Surrah doesn't realise it paid a commitment — a different card, an unfamiliar merchant name, a transfer that looks like any other. You can file it yourself: open the expense and tell Surrah which commitment it paid.

Linking a charge

1. Open the expense from your expenses list.
2. Tap the ⋯ menu and choose Pays a commitment.
3. Pick the commitment the charge paid.
4. Confirm.

That's it. The charge is now this cycle's payment on that commitment: any overdue flag clears, a loan, credit card or instalment balance drops by the amount paid, and the commitment moves to its next due date.

No second expense is created. Linking files a charge you already have — it never adds a new one, so your spending totals don't move. It's the same reasoning that keeps Also record as expense switched off by default when you mark a commitment paid.

What you can link to

The picker lists your own commitments that are waiting for a payment — active or overdue. It leaves out:

• Savings goals. Goals are funded, not paid — use Add funds.
• Paused commitments. Resume it first.
• Anything already finished. Cancelled and completed commitments take no more payments.

One expense pays one commitment. If it's already linked, unlink it before linking it somewhere else.

If the amount doesn't match

Surrah warns you before you confirm when the charge is smaller than the payment the commitment expects — 100 against an expected 300, say. Go ahead and it records the 100 you actually paid: a loan, credit card or instalment balance drops by 100, and the commitment still moves to its next cycle.

There is no half-paid state in Surrah. A cycle is either closed or it isn't, and recording a payment closes it — exactly what Mark paid has always done when you type in a smaller amount. What you still owe isn't lost: on a loan, credit card or instalment plan it stays in the remaining balance, the number that tracks the debt. It simply won't come back as arrears on the next cycle.

Undoing it

Once linked, the expense's menu names the commitment it pays and offers Unlink.

Unlinking removes the payment and puts the money back: the balance returns to what it was, and the commitment goes back to its previous due date. The expense itself is untouched — nothing leaves your spending.

Undo doesn't stay open forever. As soon as something else moves that commitment on — you record another payment, or its next cycle comes round — the link sits under newer history, and Surrah tells you it can no longer be undone. In practice you have about one payment cycle to change your mind. After that, work from the commitment itself.

Surrah already does this for you where it can

Most of the time you'll never need any of this. When a bank message arrives from a merchant Surrah recognises as one of your commitments, it links the charge and moves the commitment on with nothing for you to tap. Linking by hand is for the ones it missed — and Unlink works on an automatic match too, if it picked the wrong commitment.

One exception: a payment you recorded through Mark paid is managed from the commitment, not from the expense. Surrah will say so if you try.