diff --git a/src/payments/paymentPlan.js b/src/payments/paymentPlan.js
new file mode 100644
index 000000000..9e7e50961
--- /dev/null
+++ b/src/payments/paymentPlan.js
@@ -0,0 +1,62 @@
+// paymentPlan.js
+
+class PaymentPlan {
+    constructor() {
+        this.plans = [];
+    }
+
+    // Create a new payment plan
+    createPlan(userId, totalAmount, durationMonths) {
+        const plan = {
+            userId,
+            totalAmount,
+            durationMonths,
+            monthlyPayment: totalAmount / durationMonths,
+            status: 'active',
+            createdAt: new Date(),
+        };
+        this.plans.push(plan);
+        console.log(`Payment plan created for user ${userId}:`, plan);
+        return plan;
+    }
+
+    // Get all payment plans for a user
+    getUser Plans(userId) {
+        return this.plans.filter(plan => plan.userId === userId);
+    }
+
+    // Update a payment plan status
+    updatePlanStatus(userId, planId, newStatus) {
+        const plan = this.plans.find(p => p.userId === userId && p.id === planId);
+        if (plan) {
+            plan.status = newStatus;
+            console.log(`Payment plan status updated for user ${userId}:`, plan);
+            return plan;
+        } else {
+            throw new Error('Payment plan not found.');
+        }
+    }
+
+    // Cancel a payment plan
+    cancelPlan(userId, planId) {
+        const planIndex = this.plans.findIndex(p => p.userId === userId && p.id === planId);
+        if (planIndex !== -1) {
+            const canceledPlan = this.plans.splice(planIndex, 1);
+            console.log(`Payment plan canceled for user ${userId}:`, canceledPlan);
+            return canceledPlan;
+        } else {
+            throw new Error('Payment plan not found.');
+        }
+    }
+}
+
+// Example usage
+const paymentPlanManager = new PaymentPlan();
+const newPlan = paymentPlanManager.createPlan('user123', 1200, 12); // $1200 over 12 months
+const userPlans = paymentPlanManager.getUser Plans('user123');
+console.log('User  Plans:', userPlans);
+
+paymentPlanManager.updatePlanStatus('user123', newPlan.id, 'completed');
+paymentPlanManager.cancelPlan('user123', newPlan.id);
+
+export default PaymentPlan;