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Cash Flow Chart for Credit Cards (edited)

DannyB Superuser ✭✭✭✭✭
edited June 2022 in Feedback
I'm looking at the Cash Flow charts for my 3 active credit cards.  @SimplifineHowareyou commented on the nomenclature for these charts here.

Anyway, the charts for my cc cash flow shows an up-and-to-the-right trajectory based on anticipated charges from recurring bills to those accounts.  For example, I charge my monthly mobile phone service to one of my cards (first, to keep that card active and second my bank provides a great protection plan for our cell phones if we pay that bill through them at no extra charge to us... that has come in handy a couple of times :smile:).  I also have that card set up to automatically pay off the balance every month and so there is no carryover from month to month on that card (or any of our cards for that matter.)  And so...
  1. Why does my credit card cash flow chart project an increasing debt load or accumulating balance on a card that is paid off each month? (I actually know the answer to this - it reflects the recurring expense for my mobile phone service in my bills section as noted above.)  And so...
  2. Is there a way to connect a recurring cc payment to the cash flow chart just like the recurring charge is connected to it?
I know that when payment to a cc is recorded in Simplifi, it shows up on the cc's cash flow chart, but that is only for payments made in the current month and while it affects the accumulation of debt over the next 6 months (the horizon that Simplifi works with) the chart still shows an increase in debt instead of the actual reality of no cc debt carryover.
Simplifi user since 01/22
Budget: a mathematical confirmation of your suspicions.” ~A.A. Latimer


  • Coach Natalie
    Coach Natalie Administrator, Moderator admin
    Hello @DannyB,

    Thanks for posting your inquiry to the Community!

    It looks like you can include Recurring Credit Card Payments in the Projected Cash Flow of the credit card account by using a Linked Transfer instead of using the Category of "Credit Card Payment" for the Recurring Series. More details on this can be found here

    I hope this helps, but please be sure to let us know if you have any further questions!

    -Coach Natalie
  • DannyB
    DannyB Superuser ✭✭✭✭✭
    edited May 2022
    Got it, @Coach Natalie thanks.  like I've said elsewhere, a lot of my questions already have answers in the forum and how to posts, but even after I read them, some just take a bit more work for them to click for me.  
    Simplifi user since 01/22
    Budget: a mathematical confirmation of your suspicions.” ~A.A. Latimer
This discussion has been closed.