diff --git a/scripts/seed/installments.ts b/scripts/seed/installments.ts
new file mode 100644
index 0000000..4636441
--- /dev/null
+++ b/scripts/seed/installments.ts
@@ -0,0 +1,68 @@
+import type { Types } from "mongoose";
+import { createTransaction } from "@/features/transactions/service";
+import { AccountModel } from "@/models/account";
+import { CategoryModel } from "@/models/category";
+import { TransactionModel } from "@/models/transaction";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+
+/**
+ * Örnek taksitli kart harcamaları (Faz 7b): bir kısmı gerçekleşmiş, kalanı planlı taksitler.
+ * İdempotent: aynı satıcıyla taksit planı varsa atlanır.
+ */
+const PURCHASES = [
+  {
+    payee: "Hepsiburada",
+    description: "Çamaşır makinesi",
+    amountMinor: 18_000_00,
+    count: 9,
+    daysAgo: 75,
+    category: "ev",
+    by: "admin",
+  },
+  {
+    payee: "Teknosa",
+    description: "Telefon",
+    amountMinor: 12_000_00,
+    count: 6,
+    daysAgo: 20,
+    category: "diger-gider",
+    by: "emre",
+  },
+];
+
+export async function seedInstallments(
+  householdId: Types.ObjectId,
+  userIds: Map<string, string>,
+): Promise<number> {
+  const today = todayIstanbul();
+  const card = await AccountModel.findOne({ householdId, name: "Garanti Bonus" }).lean();
+  if (!card) return 0;
+  let created = 0;
+  for (const p of PURCHASES) {
+    const exists = await TransactionModel.exists({
+      householdId,
+      payeeName: p.payee,
+      "installment.planId": { $type: "objectId" },
+    });
+    if (exists) continue;
+    const category = await CategoryModel.findOne({ householdId, defaultKey: p.category }).lean();
+    const r = await createTransaction(userIds.get(p.by)!, String(householdId), {
+      type: "expense",
+      amount: p.amountMinor,
+      date: addDays(today, -p.daysAgo),
+      accountId: String(card._id),
+      toAccountId: null,
+      categoryId: String(category!._id),
+      splits: [],
+      payee: p.payee,
+      description: p.description,
+      tags: [],
+      installments: p.count,
+      attachmentIds: [],
+    });
+    if (!r.ok) throw new Error(`Seed taksiti oluşturulamadı (${p.payee}): ${r.error}`);
+    created++;
+  }
+  return created;
+}
diff --git a/scripts/seed/run.int.test.ts b/scripts/seed/run.int.test.ts
index 26e97a3..c84b071 100644
--- a/scripts/seed/run.int.test.ts
+++ b/scripts/seed/run.int.test.ts
@@ -46,11 +46,27 @@ describe("seed", () => {
       accounts: 0,
       transactions: 0,
       recurringRules: 0,
+      installmentPlans: 0,
     });
     expect(await getDb().collection("user").countDocuments()).toBe(SEED_USERS.length + 1);
     expect(await HouseholdModel.countDocuments()).toBe(SEED_HOUSEHOLDS.length);
   });
 
+  it("aynı aydaki transferlerin hepsi oluşur (seedRef çakışması yok)", async () => {
+    const tx = getDb().collection("transactions");
+    const months = new Set(
+      (await tx.find({ description: "ATM" }).toArray()).map((t) => t.seedRef.split(":")[1]),
+    );
+    expect(months.size).toBeGreaterThanOrEqual(5);
+    // Her ay ATM'nin yanında kart ödemesi ve birikim de var (ayın 7'si geçmişse).
+    expect(await tx.countDocuments({ description: "Kart borcu ödemesi" })).toBeGreaterThanOrEqual(
+      months.size - 1,
+    );
+    expect(await tx.countDocuments({ description: "Aylık birikim" })).toBeGreaterThanOrEqual(
+      months.size - 1,
+    );
+  });
+
   it("roller ve askı durumu doğru", async () => {
     const users = await getDb()
       .collection("user")
diff --git a/scripts/seed/run.ts b/scripts/seed/run.ts
index 348f7e2..d1ba35a 100644
--- a/scripts/seed/run.ts
+++ b/scripts/seed/run.ts
@@ -10,6 +10,7 @@ import { HouseholdModel } from "@/models/household";
 import { HouseholdMemberModel } from "@/models/household-member";
 import { storedEmail } from "@/shared/account-email";
 import { runMigrations } from "../migrations";
+import { seedInstallments } from "./installments";
 import { seedRecurring } from "./recurring";
 import { seedTransactions } from "./transactions";
 import {
@@ -45,6 +46,7 @@ export type SeedSummary = {
     accounts: number;
     transactions: number;
     recurringRules: number;
+    installmentPlans: number;
   };
   accounts: SeedAccountRow[];
 };
@@ -61,6 +63,7 @@ const DOMAIN_COLLECTIONS = [
   "attachments",
   "reconciliations",
   "recurringRules",
+  "statements",
 ];
 
 type AuthApi = ReturnType<typeof getAuth>["api"];
@@ -111,6 +114,7 @@ export async function runSeed({
       accounts: 0,
       transactions: 0,
       recurringRules: 0,
+      installmentPlans: 0,
     },
     accounts: [],
   };
@@ -279,6 +283,12 @@ export async function runSeed({
   summary.created.recurringRules = await seedRecurring(householdIds, userIdMap);
   if (summary.created.recurringRules)
     log(`✓ Örnek düzenli işlemler: ${summary.created.recurringRules}`);
+  summary.created.installmentPlans = await seedInstallments(
+    householdIds.get("Çakır Ailesi")!,
+    userIdMap,
+  );
+  if (summary.created.installmentPlans)
+    log(`✓ Örnek taksitli alışverişler: ${summary.created.installmentPlans}`);
 
   // 7) Geliştirme hesapları tablosu
   const all = [
diff --git a/scripts/seed/transactions.ts b/scripts/seed/transactions.ts
index 4b22ee7..c59932f 100644
--- a/scripts/seed/transactions.ts
+++ b/scripts/seed/transactions.ts
@@ -166,7 +166,8 @@ function cakirAiles(): SeedTx[] {
       by: "emre",
     });
 
-    // Transferler: nakit çekme, kart ödemesi, birikim.
+    // Transferler: nakit çekme, kart ödemesi, birikim. Satıcı/kategori olmadığından seedRef
+    // türden üretilir; çakışmasın diye sıra numarası verilir (ATM 0 — mevcut veriyle uyumlu).
     add({
       type: "transfer",
       ymd: d(2),
@@ -176,24 +177,31 @@ function cakirAiles(): SeedTx[] {
       description: "ATM",
       by: "admin",
     });
-    add({
-      type: "transfer",
-      ymd: d(9),
-      amountMinor: tl(11_000, 15_000),
-      account: "Ziraat Maaş",
-      toAccount: "Garanti Bonus",
-      description: "Kart borcu ödemesi",
-      by: "admin",
-    });
-    add({
-      type: "transfer",
-      ymd: d(16),
-      amountMinor: 5_000_00,
-      account: "Ziraat Maaş",
-      toAccount: "Birikim (Vadeli)",
-      description: "Aylık birikim",
-      by: "ayse",
-    });
+    add(
+      {
+        type: "transfer",
+        // Kesim 29, son ödeme ~8: ödeme son ödeme gününden önce.
+        ymd: d(7),
+        amountMinor: tl(11_000, 15_000),
+        account: "Ziraat Maaş",
+        toAccount: "Garanti Bonus",
+        description: "Kart borcu ödemesi",
+        by: "admin",
+      },
+      1,
+    );
+    add(
+      {
+        type: "transfer",
+        ymd: d(16),
+        amountMinor: 5_000_00,
+        account: "Ziraat Maaş",
+        toAccount: "Birikim (Vadeli)",
+        description: "Aylık birikim",
+        by: "ayse",
+      },
+      2,
+    );
 
     // Market: haftada 1–2; bir kısmı bölünmüş.
     const marketCount = faker.number.int({ min: 6, max: 8 });