Sorry, I should have included in my OP, but I have tried and didn't like YNAB.

I will absolutely code/categorize the transactions on my own, but I want them brought in but not included on my future cashflow projection by transaction. I want the "out" in my cashflow projection to be the estimated or actual credit card invoice amount (I can calculate/enter my own estimate) and not the daily transactions.

I may just have to make my own spreadsheets, but was hoping there was already something out there with this.