I understand that the current design is for Projected Cash Flow to include recurring Bill, Subscription, and Income reminders, future-dated transactions, and expected refunds. My suggestion is not based on a misunderstanding of how it currently works, but rather on how it could more accurately represent available cash.
Future-dated transactions should remain included in Projected Cash Flow after their scheduled date has passed. Once the scheduled date arrives, they should simply be marked Past Due and continue reducing the projected balance until the user marks them paid, matches them to an actual transaction, reschedules them, or deletes them.
The current behavior creates a gap where an unpaid obligation disappears from the projection simply because its scheduled date has arrived. Nothing has changed financially—the money is still committed—but the projected balance suddenly increases.
For example:
I have a $2,111 paycheck scheduled for today and a $315 one-time payment that I also plan to make today.
- Yesterday, Projected Cash Flow correctly showed the paycheck minus the $315 payment.
- Today, before I've paid anything, the $315 no longer reduces the projected balance because it is no longer considered future-dated.
- The result is that my available cash appears $315 higher than it actually is, making it easy to overallocate funds.
From a cash-flow planning perspective, an obligation should continue affecting the projected balance until it has actually been resolved—not simply because the calendar date changed.
I believe adding a Past Due state for unpaid future-dated transactions would preserve the accuracy of Projected Cash Flow while still distinguishing overdue items from future ones.
