EMI & Installment PlansCore feature

Split high-value invoices into scheduled payments your clients can pay over time

Divide a single invoice into a schedule of smaller payments with defined due dates. Record the principal, down payment, interest rate and EMI amount, and CrmLeaf generates the full installment schedule. Track each installment as paid, partial or overdue, and let clients pay online through your connected payment gateway or offline through any configured method.

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  • Core feature, no add-on fee
  • Free trial
  • No credit card
values define a plan: principal, down payment, interest, EMI
4
values define a plan: principal, down payment, interest, EMI
installment statuses: paid, partial, overdue
3
installment statuses: paid, partial, overdue
interest supported for interest-free plans
0%
interest supported for interest-free plans
add-on fee: a core feature
0
add-on fee: a core feature

How it works

The installment lifecycle in five steps

One invoice, one agreed total, collected on a schedule you and the client agreed.

  1. Step 01

    Create invoice

    Create or open the invoice for the total the client owes

  2. Step 02

    Set schedule

    Enter principal, down payment, interest rate and EMI amount

  3. Step 03

    Track payments

    Each installment shows as paid, partial or overdue

  4. Step 04

    Reminders

    Payment reminders notify clients of upcoming or overdue installments

  5. Step 05

    Close

    When every installment is collected, the invoice moves to paid

What's inside

Four installment plan capabilities

01

Plan Setup

Define principal, down payment, interest rate and EMI amount; the schedule is generated for you.

See how it works
02

Schedule & Tracking

Every installment has its own due date and amount, tracked as paid, partial or overdue.

See how it works
03

Online Collection

Clients pay each installment on a signed public payment page with per-installment pay buttons.

See how it works
04

Reporting & Visibility

Outstanding installments, collection progress and overdue amounts across all active plans.

See how it works

In detail

How each capability works

01 / 04

Plan Setup

An installment plan starts from an existing invoice. Enter the four values that define it: the principal (total amount owed), the down payment the client pays upfront, the interest rate on the remaining balance, and the EMI amount for each installment.

CrmLeaf calculates the number of installments from these values and generates the schedule, each installment with its own due date and amount. For interest-free plans, enter a zero interest rate and the balance is divided into equal installments.

If the terms change before collection begins, edit any plan value and the schedule regenerates. Plan values should match the terms agreed with the client before the first installment is collected.

Built in

  • Create an installment plan from any existing invoice
  • Enter principal, down payment, interest rate and EMI amount
  • Number of installments calculated automatically
  • Interest-free plans supported with a zero interest rate
  • Edit plan values and regenerate the schedule before collection
  • Principal & down payment
  • Interest rate
  • EMI amount
  • Auto-generated schedule
02 / 04

Schedule & Tracking

Once a plan is created, the installment schedule becomes the collection ledger. Each row is one installment with a due date and amount, and moves through paid, partial or overdue as payments come in.

The parent invoice reflects the aggregate: it stays unpaid until the first installment payment is recorded, moves to partial as installments are collected, and reaches paid only when every installment has been fully collected.

Overdue installments are flagged automatically when the due date passes without full payment, so your finance team sees which clients need follow-up without spreadsheet reconciliation.

Built in

  • Each installment tracked with its own due date and amount
  • Three statuses per installment: paid, partial, overdue
  • Automatic overdue detection when the due date passes
  • Parent invoice status syncs with collection progress
  • Schedule view shows collected vs. outstanding at a glance
  • Per-installment due dates
  • Paid / partial / overdue
  • Automatic overdue flagging
  • Parent invoice sync
03 / 04

Online Collection

Clients pay installments through the same signed public payment page used for standard invoices, with no login required. When an invoice has an active plan, the page shows the full schedule with a pay button for each installment.

The page embeds your connected payment gateways, such as Stripe, PayPal and Razorpay, so clients choose their preferred method. For payments made outside the gateway, record offline payments against any installment manually.

The page uses your company branding, and clients receive payment confirmation for each installment collected.

Built in

  • Signed public URL, no client login required
  • Full schedule with per-installment pay buttons
  • Embeds connected gateways: Stripe, PayPal, Razorpay and others
  • Offline payment recording for bank transfers or cash
  • Company branding on every payment page
  • Signed public payment page
  • Per-installment pay buttons
  • Gateway integration
  • Offline payment recording
04 / 04

Reporting & Visibility

Installment data feeds CrmLeaf's receivables and payment reporting. See outstanding installments across all active plans, filter by client, due date range or overdue status, and spot accounts that need follow-up.

Each installment payment is recorded as a standard payment in the payment ledger, so it appears in payment reports, receivables aging and cash-flow views alongside one-time invoice payments.

For project-linked invoices, installment collection progress is visible in the project financial summary, giving project and account managers one view of revenue collected per engagement.

Built in

  • Outstanding installments visible across all active plans
  • Filter by client, due date or overdue status
  • Installment payments appear in standard payment reports
  • Receivables aging includes installment balances
  • Project financial summary reflects installment collection
  • Receivables aging
  • Overdue filtering
  • Payment ledger
  • Project financial summary

Connected across CrmLeaf

Installment data that flows into invoicing, payments and project financials

Each installment payment updates the parent invoice, feeds the payment ledger, adjusts receivables aging and reflects in project financial summaries, without manual reconciliation.

See Invoicing & Billing
  • InvoicingParent invoice moves through unpaid, partial and paid
  • PaymentsEach installment recorded in the central payment ledger
  • ReceivablesOutstanding installments in aging and collection reports
  • ProjectsFinancial summaries show installment collection per engagement

FAQ

Common questions about EMI & installment plans in CrmLeaf

  • An EMI (Equated Monthly Installment) plan lets a client pay a large invoice in equal monthly installments instead of one lump sum. You record the principal, any down payment, the interest rate and the EMI amount, and CrmLeaf generates the schedule so collection can be tracked against it.

Related

Explore further

Invoicing & BillingCreate, send and track invoicesMilestone BillingBill by project milestonePaymentsRecord and reconcile paymentsCredit NotesIssue credits against invoices

Set up your first installment plan in minutes

Create an invoice, define the EMI terms and let your client pay on schedule, all inside your free trial.

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