Projected Cash Flow Does Not Account for Pending Transactions

Ames.Vannah

My projected cash flow for my primary bill pay bank account is currently inaccurate because the app is not accounting for pending transactions from my bank. I can see the pending item from my bank coming through, though it is not calculating into my cash flow. This results in a material misstatement of my actual cash position. For example, I have a pending payment of approximately $4,900 that has already left my available balance at the bank, but it is not reflected anywhere in the app’s cash flow projections.

This isn’t a minor timing issue—it creates a false sense of liquidity and undermines the purpose of using the app for forward-looking financial planning.

I’m not comfortable posting screenshots publicly, but I’m willing to share them directly with a customer service representative so this can be properly diagnosed.

It appears that several users have reported the same issue, and the threads are going unresolved because community pros indicate that their own accounts look fine. I’m hoping for an actual review of this behavior rather than a dismissal based on other users’ experiences.

Can someone from product or support confirm whether pending transactions are intended to be excluded from cash flow projections, or if this is a known bug?

This clarification would go a long way for those of us relying on accurate projections.

Coach Jon

Hello @Ames.Vannah,

Thank you for reaching out! At this time, the Projected Cash Flow only accounts for Recurring Bill, Subscription, and Income Reminders, as well as future-dated transactions and expected Refunds. More information about using Projected Cash Flow in Quicken Simplifi can be found in our support Article here: https://support.simplifi.quicken.com/en/articles/3357429-using-projected-cash-flow#h_f84996b6f8

I hope this information helps!

-Coach Jon

DryHeat

@Ames.Vannah

You say the $4,900 pending transactions "has already left [your] available balance at the bank." Is the available balance at the bank different from the balance shown for your account in Simplifi?

In other words, is the problem with Projected Cash Flow that the initial balance in the graph (which is taken from the Simplifi balance) does not match the actual available balance at your bank? Or is it something else?

(I ask because some banks report balances to Simplifi that include the effect of pending transactions, and some don't. If that is the problem, one of the Coaches may have a suggestion about how to compensate for that.)

[EDIT]

For example, right now I have a pending transaction in my checking account that shows up on my bank's website but does not show up in the account in Simplifi. That's because my bank doesn't make pending transactions available to financial apps for download.

But… The Available Balance on my bank's website — which includes the pending transaction — is the same as my balance on the account in Simplifi. That's because Simplifi is downloading the Available Balance from the bank. So the balance in simplifi does not match the sum of all the transactions in Simplifi … it's off by the amount of the pending transaction.

EL1234

When looking at an account in the Transactions list, at the top right, under the balance shown, it should say "Balance with pending" or "Bank balance". If you hover over the tooltip you can click Edit Pending Settings to try the other option. Maybe that'll help with this issue?