Just to clarify regarding my original question- the "online" version has a tab for recurring transactions. THAT is what I need to be able to do: set up estimates (1 per person) that will automatically go out twice a month. For example: 50 of them going out on the 8th of March, for payments due the 15th of March; or 100 of them going out automatically on the 25th for payments due the 1st of the following month. I don't want to have to tick each one to be sent...can the desktop version do that??? thanks again for all responses...again estimates, not invoices, and done automaticaly by setting a date???