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?

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

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.