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@cubateve

I fully agree with you that the month-oriented Spending Plan doesn't really work for daily or weekly budgeting. But I have questions about a couple of your items.

Planned Spending doesn’t show in Projected Cash Flow

This has been mentioned before, and one of the questions that always comes up is, "Where in the Projected Cash Flow timeline do you want the Planned Spend Expense Items to show up?" The past transactions related to an Expense Item are already booked against whatever account they occurred in. Should the remaining "Available to spend" amounts be booked against Projected Cash Flow immediately, or spread out in some way, or what?

Watchlists don’t account for reimbursements

I just looked at one of my Watchlists that has only two transactions so far that are dated in this month. One was an expenditure, the other was money refunded by a vendor. Both have the Category appropriate to the Watchlist, and both are listed in the Transaction Activity underneath it. The "Spent so far" amount is equal to the expenditure minus the refund. Does yours not work like that? Or are the transactions not in the same Month?

I’ve been using Simplifi to manage a tight household budget and track day-to-day and week-to-week spending. While I appreciate its clean interface and core features, I’ve run into several limitations that make it harder than it should be to manage the basic financial workflows of everyday finances. Here are some key challenges:

Key Frustrations:

1. Planned Spending doesn’t show in Projected Cash Flow
   I want to forecast weekly expenses like groceries and gas, but Planned Spending items don’t appear in the Projected Cash Flow view. To work around this, I’ve created recurring weekly placeholder transactions for each category, which feels redundant and manual. In doing this, I had to remove those expenses from Planned Spending which just feels… wrong. I thought I would be able to use Watchlists to track and manage Planned Spending instead, but:
2. Watchlists don’t account for reimbursements
   When friends reimburse me for shared expenses (e.g., lunch), I categorize the incoming funds under the same category (e.g., Dining Out), but the Watchlist still counts the full expense without subtracting the reimbursement. This inflates my actual spending and makes it hard to track true out-of-pocket costs. I then have to either try and sort it out from Other Spend, or run reports, but:
3. Reports cannot be saved or bookmarked
   I rely on reports to track monthly spending by category, but I have to rebuild filters every time I want to check progress. This adds friction to what should be a simple monthly review.
4. Flow-through transactions from savings to checking cause matching issues
   I keep my money in savings and let it flow through checking for bills (go SoFi!). I've allocated my bills against savings for forecasting, but this causes auto-matching problems — it frequently overrides one of the transfer transactions incorrectly because it watches the wrong account for the transaction.
5. Savings Goals don’t reflect in Projected Cash Flow and can’t be scheduledI had to create manual recurring transfers to simulate savings goal contributions. Without dedicated vaults (like I use with SoFi) or separate accounts, this workaround wouldn’t be possible.

Workarounds I’m Using:

• Created weekly recurring transactions for groceries, gas, dining out, and health expenses to simulate real-world cash flow in the Projected Cash Flow view.
• Manually split transactions to isolate personal vs. shared costs, though Simplifi doesn’t allow negative splits or linking multiple transactions to one reminder.
• Re-categorized my SoFi savings account as checking to reduce matching issues with flow-through transactions and more accurately account for my available cash vs what I've tucked into savings.

Bottom Line:

I use a spreadsheet to manage my budget at a high level, and Simplifi seems like the best solution for tracking day-to-day and week-to-week expenses. But it doesn’t exactly live up to the name by making everything simple. I'm spending more time and energy trying to track everything than /I should. These improvements would make Simplifi far more usable for everyday budgeting and help users like me manage household finances in a simplified way.

For those of us with multiple bank accounts, the cashflow view is only useful if we can see a consolidated cashflow flow. By consolidated, I mean one line that shows the combined net balance of selected accounts.

I disagree, cash flow lets me forecast each balance into the future. I primarily use it to see, for example, how much will my primary checking account (I have 3-4 checking accounts) will be just prior to the next income on that account, so i know what's "really left" in that account after known bills come in.

I won't vote against your idea at this time, though, as this may still be interesting to have.

-Rob

There is an existing similar idea though, with not-that-many votes:

[removed link to merged thread]