Alright but in your previous reply as you said there is no khums on installments? I want to clear here, I save money from my salary to pay my installments bi-annually for the plot I bought. My major savings goes on that installments so if I fix a day to calculate my khums and on that day I have savings to pay my installments then in that case still I calculate khums on that money?

Yes during the year instalment consider as expense but further future instalment you can not keep money from the income of previous year without paying khums because future instalment is expense of forthcoming year