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I second this request! I can't believe this isn't already possible!

Today I was reminded again why splits need to be treated as individual transactions. Apple is now billing multiple subscriptions together, and I have reminders set up for each one. But I can’t actually use them because I can’t assign the bundled charges to the individual reminders. Now I’m stuck with gaps and mismatches since the bundling is random.

This isn’t a nice-to-have. It’s a must-have. This is basic functionality for an app at this price.

The issue here is simple, Simplifi.

If my bank account has 3 cleared transactions: +$10, -$5, -$3, today's balance is $2, and Simplifi shows me $2. Great!

But if one of the transactions (e.g. -$5) doesn't get imported or is accidentally deleted, my account in Simplifi will show transactions +$10, -$3, but the account balance will still show $2 because that's the balance coming from my bank.

Now, because the -$5 expense is missing, my spending plan data is incorrect, so my reports are incorrect, but I might not realize it because the account balance looks correct and might not raising any flags.

In this example, it would be pretty easy to realize the issue because 1 of 3 transactions is missing. But imagine if my account had hundreds of transactions? Thousands of transactions? Without a running balance, you're making it extremely difficult to figure out what is going on.

@scribblerjane

Have you set any of these transfers up as Recurring Series? I found that helped Simplifi recognize transfers.

@cubateve

You are right about Simplifi's Projected Cash Flow … depending on how you use Planned Spend, there can be lots of expenses that it doesn't take into account. I don't find it as useful as the Spending Plan.

On the other hand, I think the Spending Plan budgeting approach works best for folks who are able to (and willing to) keep enough cash in their checking accounts so as not to worry about the balance from day to day. (I know some folks like to keep their cash at a minimum and move everything to investments, for example.)

But the Spending Plan is very focused on how you progress month-by-month, not on cash on hand. The question is, "Did you spend (or obligate) more than you took in? Or vice versa?" That works well in the long run, but doesn't provide the day-to-day balance projections that some folks might find more helpful.

A few weeks ago, I posted about the workarounds I was using to simulate weekly spending in Simplifi — specifically creating recurring placeholder transactions for groceries, gas, and medical to make up for the fact that Planned Spending doesn’t show in Projected Cash Flow. I'm posting an update to what I've found using that strategy and why I'm making changes. Hopefully what I've learned and experienced will help others struggling with the same challenges!

I’ve decided to remove the weekly placeholders and shift to a cleaner monthly budgeting strategy. Here’s why:

• Weekly placeholders added friction. They helped with short-term cash visibility, but made it harder to see where I was within my monthly budget. If I overspent one week, I had to manually adjust the next — which felt tedious and disconnected from my actual goals. Without saved reports, it took extra time to review where I stood in spending relative to my budget.
• I’m learning to trust the budget. Instead of asking “Can I afford this right now?” based on cash flow (and trying to squeeze in a purchase I hadn't budgeted for), I’m shifting to “Is this in my budget?” or “Where does this come from within my budget?” That mindset helps me plan better and avoid impulse spending.
• I’ve adopted a $100 rollover threshold. If I underspend in a category and the rollover exceeds $100, I move the excess to my Life Happens vault. If I overspend, I pull from that vault to cover it. This keeps things flexible without losing control and provides me with a monthly cadence of accountability to my budget.
• Yes, I lose some projected cash flow visibility. But I’ve realized that trying to forecast every dollar weeks ahead isn’t as helpful as sticking to a well-built monthly budget and adjusting only when necessary.

Simplifi still has limitations — saved reports, reimbursement handling, and cash flow forecasting could be improved — but this change should help me simplify my workflow and reduce the mental load of constant adjustments or remembering where things stand.

If you’re using weekly placeholders or struggling to reconcile cash flow with budget discipline, I hope this helps. Sometimes the best way to simplify is to trust the system you (or somebody else) has already built!