Turn a large invoice into a payment plan the client can say yes to: an agreed number of installments, dates on a calendar, a running balance, and automatic reminders before each one falls due. You get paid, they get breathing room, and nobody has to remember what is left.
The Expense Splitter is a live Taskade Genesis app you can drive on this page. It already breaks one total into shares, which is the arithmetic behind an installment plan, although it splits between people rather than across dates. Build a split, then click "Use this app" to clone and own a copy in about ten seconds and turn those shares into scheduled installments with due dates.
The build gives you a parent invoice with child installments underneath it, each one a record with its own due date, amount, and status. The running balance updates as payments land, so the question "how much do they still owe" has one answer rather than three. The agent proposes plan shapes based on the amount and your cash needs, drafts the agreement wording, and warns you when a plan is drifting: two consecutive late installments is a signal worth acting on before the fifth one.
Workspace DNA keeps a plan from drifting into a bad debt. Memory holds the agreement, every payment, and every conversation about it, so the client's position is always documented. Intelligence, drawing on 15+ frontier models from OpenAI, Anthropic, Google, and open-weight providers, reads the payment pattern and tells you whether this is a client managing cash carefully or a client heading for default. Execution sends the reminder, records the payment, and updates the balance without a person in the loop.
The AI agents here carry 34 built-in tools, and persistent memory matters most: the agent writing the reminder for installment four knows what happened at installments one through three. That produces a message that acknowledges the client's track record instead of one that reads like it was written by someone who has never met them.
Payment plans are also a sales tool, which is easy to forget. A client who cannot approve a single large invoice can often approve three smaller ones, and the work goes ahead. Having the schedule ready to propose in a call, with dates and amounts, converts far better than promising to send something over later.
Watch the plan in the view that helps:
- Calendar view for installment dates across the coming months
- Table view for amounts, paid to date, and remaining balance
- Board view to move installments from scheduled to due to paid
- List view for a simple client-facing summary of the plan
- Plus the rest of the 7 project views
Automations carry the schedule. A Taskade automation sends the reminder three days before each installment, issues the payment link, marks the installment paid on the Stripe event, and escalates a missed one to you rather than to the client automatically. Across 100+ bidirectional integrations, Stripe and Gmail pull payment and reply events in while Google Calendar and Slack push the dates and alerts out. See due dates and scheduled automations.
Clone it, invite your team, and the plans are yours. Every arrangement you have ever agreed sits in one place, which makes the next negotiation easier.
Stating the boundary: this schedules and tracks installments as an operations layer. It is not a lending product, it does not calculate interest for a regulated credit agreement, and payment plans with interest may carry legal requirements where you operate. Check before you charge for time.
Look at billing systems built by other operators in the Community Gallery, start at Taskade Genesis, or read invoice automation. Build the plan on terms from Draft Payment Terms and a Late Fee Policy, and let a broken plan fall through to Build a Collections Escalation Ladder.
Frequently Asked Questions
How many installments should I offer?
The agent reasons from the invoice size, your cash runway, and the client's history, and proposes options with the trade-offs stated. Three payments over 90 days is common for project work. Longer plans raise your risk, and it will say so rather than agreeing with you.
Does the client see the whole schedule?
Yes, and they should. A single summary showing dates, amounts, and remaining balance prevents most disputes. Publish it as a shared view or include it with the plan agreement.
What happens if they miss one?
The missed installment flags immediately, the agent drafts a low-friction message first, and the escalation only sharpens if the pattern continues. You approve every step, so a good client is not automatically treated like a bad one.
Can I charge a fee for paying in installments?
You can record one as a line item, though whether you should depends on your market and local rules on credit terms. The app tracks whatever you agree, it does not decide it for you.
Does the balance update automatically when they pay?
Yes, when payments arrive through a connected processor. Manual payments like bank transfers can be marked in a click, or matched automatically as covered in Reconcile Payments Against Invoices.
Can I run plans for several clients at once?
Yes. Each plan is its own set of linked records, and the calendar shows every installment due across all clients so you can see cash arriving week by week.
What if the client wants to settle early?
Ask the agent for the payoff figure and it returns the outstanding balance with the remaining installments listed, then closes the plan and marks the parent invoice settled once payment lands.
