Everyday

Money owed to you: track who owes you, collect each payment, and get reminders

When someone owes you money, you log the full debt, the date to start collecting, and whether they pay weekly, twice a month, or monthly. Monuvia works out each payment, reminds you on the day it's due, and, if you want, adds what you collect to your income.

What you'll get

Keep track of what people owe you: how much is left to collect, which day each payment is due, and get a reminder that day without having to remember.

Requirements

Be signed in and online: creating accounts, collecting, and undoing collections all require internet.
For the push reminder: turn on notifications (and, on iPhone or iPad, have Monuvia installed as an app). Without push, the reminder still shows up in Discoveries.

Money owed to you is money someone owes you and will pay back in several installments: a loan to a relative, a sale on credit, an advance. You log the whole debt and how you'll collect it; Monuvia splits the amount, works out the date of each payment, and reminds you when it's due. It works like Installment purchases, but in reverse: here the money comes in instead of going out.

#Create an account

Open Money owed to you (/cobrar) from the shortcuts on the home screen and go to "Add money owed to you".
Enter who owes you (required) and, if you like, what it's for: for example "Juan" and "Loan."
Under the total, enter the full amount they owe you.
Choose how often they pay: weekly, twice a month, or monthly.
Enter the number of payments, that is, how many installments they'll pay it in. That sets how long the debt will last.
Pick the date of the first payment. It defaults to tomorrow.
Check the preview: you'll see what each payment is worth, the date of the last one, and the real dates of the first few.
Decide whether to "Add what I collect to my income" (it's on by default) and save the account.

Note. Time is expressed as a number of payments. The screen shows you the approximate duration and the date you finish collecting, for example "You finish collecting on Dec 15, 2026."

#How dates and amounts are worked out

Weekly: one payment every 7 days from the first date.
Twice a month: two payments per month, not "every 15 days." If the first payment is on the 5th, the next ones fall on the 20th, the 5th of the following month, the 20th, and so on. If you start on the 20th, the next payment is the 5th of next month.
Monthly: the same day every month. If a month is shorter, the payment falls on its last day (a January 31 payment moves to February 28 and goes back to March 31).
Amounts: the total is split into equal parts and the last payment absorbs the cents. For example, $100 in 3 payments is $33.33, $33.33, and $33.34.

The preview always shows the real dates of the first few payments, so you can check they're what you expected before saving.

#Collect a payment

On the account's card you'll see the next payment with its number, date, and amount. If it's past due it shows as "Overdue"; if it's due today, as "Today."
When you receive the money, tap "Collect."
The payment is logged with today's date and the planned amount, and the progress bar moves forward.

If the person gave you a different amount or paid on a different day, tap "Collect a different amount," enter what you received (it can't be more than planned) and the date you collected it (it can't be in the future).

Keep in mind. If you collect less than planned, the difference is added to the next payment automatically. If it was the last one, Monuvia adds a new payment, labeled "Balance," one period later, so what was missing doesn't slip out of sight.

#Collect everything, change a date, or undo

"Collect all": if the person settles what's left in one go, it marks every pending payment as collected (it asks you to confirm).
"View payments" opens the full list. On a pending payment you can tap "Change date" if they asked for more time; only that payment moves, the others stay as they are.
"Undo" on a payment you already collected puts it back to pending and reverses the income it had added. If that payment had pushed a shortfall onto another one and you've already collected that other one, undo the most recent first (they are undone in reverse order).
"Edit" changes the person's name or the reason. The total, frequency, and schedule can't be edited (you can only move the date of a single payment): if you got those wrong, delete the account and create it again. In History, "Reopen" undoes the last payment of a finished account and puts it back in "To collect".

#Add what you collect to your income

With "Add what I collect to my income" turned on, every time you collect, Monuvia logs an extra income (for example "Collected: Juan · Loan") with the amount collected and the date. That raises what you have available in the period when you collect. If you turn it off when creating the account, collecting only keeps track of the debt and doesn't touch your budget.

Note. Undoing a payment also reverses its income. Deleting an active account reverses the income it added; deleting a finished one (history) keeps the income you already logged.

#Reminders on the day you collect

Once a day Monuvia checks what you're due to collect. If you turned on notifications, you get a single push, "Today's summary," whose "Collect:" part lists the day's fixed income and the payments from your accounts that are due today.

What you're due to collect that day is also saved inside the app, in Discoveries (as the "To collect today" notice), even if you don't have push turned on. And on the home screen, the "To collect" card shows each account's next payment (if it's due within the next two weeks or already overdue), along with your fixed income on the way. When you collect the last payment of an account, the app congratulates you and leaves a notice that you've collected everything from that person.

Note. The push only arrives on the due date: overdue payments aren't repeated by notification, but you'll see them marked "Overdue" on the home screen and in Money owed to you. Like the other reminders, the push goes to the household owner.

Common problems

I don't get the notification on the due date.

Check that notifications are on (the notice at the top of Money owed to you lets you turn them on, or go to Settings › Notifications) and that the permission isn't blocked in your browser. On iPhone or iPad, Monuvia must be installed as an app. Even if the push doesn't arrive, the day's reminder is saved in Discoveries.

I collected less than planned and a new payment showed up at the end.

That's the balance. Since it was the last payment, Monuvia added another one, labeled "Balance," one period later, for what was missing.

The person asked for more time.

Tap "View payments" and use "Change date" on the payment you want to move. The other payments don't move.

I marked a payment as collected by mistake.

Tap "View payments" and then "Undo" on that payment. It goes back to pending and the income it had added is reversed.

I don't want what I collect to count in my budget.

That option is chosen when you create the account ("Add what I collect to my income"). If you already created it with the option on, delete the account and create it again with the box turned off.

My twice-a-month payments don't fall every 15 days.

That's on purpose: twice a month means two payments per month (for example the 5th and the 20th), not a 15-day interval. The preview when you create the account shows the real dates.

I created the account with today's date or a past date and didn't get a reminder.

The reminder goes out once a day, early, only for payments due that day; payments that are already overdue aren't repeated by notification, but you'll see them marked "Overdue" on the home screen and in Money owed to you. Mark what you've already received as collected and the next payments will remind you.

It won't let me undo a payment.

If that payment had pushed a shortfall onto another payment and that other one is already collected, you need to undo the most recent one first. Undo payments in the reverse order you marked them.

Go to Money owed to youReviewed October 20, 2026

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