Prescheduled, one-time Transfers (e.g. Credit Card Payments)

Hi all,

I have been doing my best to budget not just my spending, but also cash flows, to ensure that credit cards aren't closing with a high balance. The "cash flow" widget at the top of the transactions page has been incredibly helpful for this.

If I add a manual, future-dated transfer, it shows the credit to the CC account and debit to my checking so I can track my projected balances on particular days, which is amazing. However, there are a few gaps. It could be user error, but after chatting with a few coaches, I ended up with some validation and a few weird workarounds

In contrast, recurring transfers tend to work very well from the spending plan and almost always link correctly.

When I add a future-dated transfer as a transaction instead of a series, I have very mixed results. Some examples:

• Sometimes the imported bank/card transactions show in addition to the original transaction. This isn't so bad since I can merge them, but I would rather not have to do that, or have my account balances show negative until I finish merging.
• If I delete the future-dated transaction, sometimes it won't download the real transaction.
• Other times, one side (bank downloaded) will end up linked to the a manual transaction on the other.

That said, I have three separate requests:

#1: Reminders for one-time transfers.

I would like the option to add a 'reminder' for a transfer, similar to a bill. This should remain excluded from the spending plan, but should reflect in the cash flow projections for both the source and destination accounts. It should also attempt to match to downloaded transactions, rather than being treated as a manual transaction.

#2: Non-instant transfer handling

Another piece of functionality that could be improved is that the way the system handles non-instant transfers —basically, any time you could use a "money in transit" account.

It seems like in some (but not all?) cases, Simplifi forces both sides of a transfer to have identical dates and syncs the "cleared" status. This causes historical problems in the cash flow/running balance for the days between, e.g. if an account applies a payment before it is withdrawn from your checking.

#3: Better control when trying to 'detangle' transactions

In short, I want another option on the pop-up when a linked transaction will be deleted that says "Keep, but set to uncategorized."

If one side of a transfer (including recurring ones, in this case) ends up mismatched, deleting or recategorizing it will prompt to either delete (manual transactions) or remove the category from (bank downloaded) the other side.

I thought this would be good, but based on my experience so far (and a few chats with coaches), that manual-but-deleted transaction can cause Simplifi to not download the real transactions from the bank if it detects a duplicate. The end result is that I don't have any transaction on one side of the transfer, and have to add additional manual transactions all over again to balance my accounts. I'd rather have a little more control here. It's much easier to fix an "uncategorized" transaction than to have to add one from scratch.