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frcaol t1_j6on4fn wrote

I had the same need and ended up building my own google sheet. Once a year I enter all fixed recurring transactions for the year (e.g. rent, subscriptions, estimated utilities etc.) as well as all future credit card payments using sumifs that update as I enter daily transactions with a column flagging which card I used. It's not for everyone as you do need to enter all transactions manually but once you get in the habit it's actually not that much work at all and you have very accurate visibility into your future cashflow so you know exactly how much you can spend.

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Ok_Masterpiece_4305 OP t1_j6onvzq wrote

This is great to know; thank you! I came across something called TillerMoney on the sub, and it looks like combining that program's ability to pull in transactions + its flexibility/integrations with Google Sheets is probably my answer to find something "perfect" for me. I can make/modify a spreadsheet where my CC and bank transactions will hit my budget categories, but my cash flow for checking will take into account the CC bill itself. Just don't want to recreate the wheel if I don't have to, ya know?

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frcaol t1_j6osftn wrote

Fair enough! I looked at Tiller but the 79$ a year price tag discouraged me in the end and adding transactions to my google sheet is just part of my routine now. Good luck!

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