Checkout YNAB - something to know about all "budgeting" software, nothing is going to do everything automatically for you. There's a lot of value in checking YNAB every day and being on top of your spending and catagories

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.

Have you checked out Quicken? Their Windows product has quite a comprehensive set of features....

Mvelopes is another one.

I’ve been using Quicken for several years for budgeting, I think it would do what you are asking for.

YNAB...handles credit cards that are paid in full each month really well.

I like personal capital. It gives a pretty nice dashboard, but may not be quite as advanced as what your looking for.

I've used Mint for about 13 years now and currently tracks about 20 accounts. We are almost exclusively on CC too. Not sure if it will do exactly what you want for cash flow projection, but the Budget feature shows you what is left over based on current spend and the income/expenditure budgets you define.

I've been using https://copilot.money/ for a little bit and so far I've enjoyed it. Currently only available on Mac/iOS though.

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simplifi by quicken is great

Can it do future cashflow estimates by looking at expected income and recurring payments (with estimated dollars) based on invoice due date?

What is it that you like better in simplifi compared to quicken? I was looking at them just yesterday.

It has historic cash flow based on prior month expenses. If your getting the same expense every month at the same time, then it should be somewhat close.

It does the same with income.

never used quicken but simplifi was what i switched to from rocket money and I've found it easy to work with and an overall smooth experience

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.

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?

This may be your experience, but it certainly isn't mine. I have ynab because I require auto-import. I've been on both MX and Plaid. There is no time where all of my major bank card imports are working, there's always at least one that won't sync. It's American Express this month again.

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!

You Need a Budget syncs I believe?

Tbh that's more on Plaid than anything I'd think. I haven't gotten Plaid to work with my main credit union (despite it being listed in their available banks) ever, to the point that I opened a checking account with Ally just to have something that worked.

I was referring to the way YNAB both subtracts the purchase from the category and simultaneously sets it aside for paying the card on the due date.

Import is a mess everywhere, not just YNAB, and is a problem that we should be pressuring our banks to fix rather than blaming the apps. How many of us contact help for the bank or CC and complain that it won't import into YNAB?