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I actually like it a lot! I do this with a relative (who I shop for online and they zelle me the balance once a month), and I finally have a good way to reconcile and make sure all the charges are covered and nothing is forgotten.

@DryHeat - Future-dating manually entered transactions does work.

However, I have found no workaround for Simplifi-initiated A2A transfers.

It's there! Posted it last week.

As I understand it, this problem occurs only in a specific set of circumstances. The following situation is an example of where I think it will come up:

• Your bank balance without counting pending transactions is $10,000.
• Your bank already takes transactions that are pending at the bank into account.
• There is a $900 transaction pending at the bank showing up in your Pending section.
• You have manually entered a $500 pending transaction that your bank does not know about.
• So your actual balance, all non-future transactions considered, is $8,600. ($10,000 - $900 -$500)

What Balance Type should you select? As I understand it (I could be wrong, of course):

If you select "Bank Balance (default)" your balance will show as $9,100 (because the bank will subtract the $900 transaction pending at the bank from the current balance of $10,000 and report $9,100 to Simplifi). Your manually entered $500 pending transaction will not be counted.

If you select "Balance with Pending" your balance will show as $7,700 (because the bank will still report $9,100, but Simplifi will subtract both the $900 transaction pending at the bank and the $500 manually entered pending transaction.) Your $900 transaction pending at the bank will be counted twice.

There doesn't seem to be any way around this, other than future-dating the manual pending transaction. But maybe one of the coaches will have an idea.

What I would do in your situation is set up a manual account called "Reimbursable Work Expenses" (or similar). When you spend the money on those expenses, categorize them as a Transfer to that manual account. The transactions will be excluded from Spending Plan since it automatically doesn't include transfer transactions. When you get your paycheck, split it into two: one line for the actual income, and another line as a Transfer to the manual account, which will apply it towards the spending. This way, the reimbursement also won't count in Spending Plan and the manual account will keep a running balance for you to keep track of what's owed to you.