Feature Request: "Smart Installments" (MSI) for Credit Cards - Crucial for Mexico/LatAm Users

I’ve been using MoneyCoach and I love the design and the Apple-native feel. However, there is a specific credit card behavior common in Mexico and Latin America called "Meses Sin Intereses" (Interest-Free Monthly Installments) that is currently hard to manage in the app.

The Problem:

When I buy something (e.g., a TV for $12,000) over 12 months interest-free:

1. My Bank: Immediately blocks the full amount ($12,000) from my Credit Limit.

2. My Payment: I only pay $1,000 each month.

Current Issue in MoneyCoach:

• If I log the Total ($12,000): My Credit Limit looks correct (full), but my Monthly Budget report is ruined because it thinks I spent $12,000 in one day.

• If I log a Recurring Transaction ($1,000/mo): My Budget looks correct, but my Credit Limit looks empty (available), which is dangerous because I might overspend.

The Feature Request:

Could you add a specific "Installment / EMI" toggle when adding a transaction?

• Input: Total Amount + Number of Months.

• Behavior:

1. Credit Limit: Deduct the TOTAL amount immediately (to reflect real available credit).

2. Budget/Reports: Only show the MONTHLY portion as an expense for the current month.

This feature would make MoneyCoach the absolute best option for millions of users in Mexico and Latin America.

Thanks for your hard work!