Rent or mortgage: a schedule, not a shock.

In many markets rent lands as one large yearly payment; elsewhere a mortgage lands every month for twenty years. Either way it is the most predictable money in your life. Qoyla turns it into automatic reservations you stop thinking about.

Plan your housing money

The mechanism

1 · Set the date and amountNext March’s rent, or this month’s mortgage and its escrow, becomes the target; Qoyla works the schedule backward.

2 · Reserved before you can spend itA fixed slice moves to the housing reserve each payday, before discretionary money exists.

3 · The reserve earns while it waitsMoney gathering for a yearly rent is matched to safe growth, matured to the due date; a mortgage buffer holds one extra payment ahead, so a rough month never touches the roof.

4 · Paid, with the recordWhen the day comes the money is simply there, and the whole year of reservations is one sealed chain.

Worked example

A year’s rent due in 11 months, reserved in twelve equal slices. A mortgage works the same backward: the payment plus one-twelfth of an extra month reserved each payday builds a full payment of cushion every year. Matched to a money-market option at typical recent yields, the reserve earns roughly half a month’s reservation back before the due date, earned by patience you’d already committed to.

Your landlord, or your lender, won’t believe you

Set the plan in ten minutes; the due date becomes boring.

Plan your housing money For families