Hi David and Sherlock,
David, yes I absolutely do reconcile each of my credit card accounts,
along with my checking and savings too. That almost always gets done as
soon as I get each monthly statement. The issue for me is that I don't
really want to wait to do a reconciliation. I enter transactions into
GnuCash on a daily basis as they occur. And what I would like to see in
my Scheduled Transactions is a real-time view of what those balances are
even BEFORE the monthly statements happen.
In Quicken I could open my Checking account register and see a list of
Bill and Income Reminders there showing me the current real-time
balances of all my Credit Card accounts, along with estimated due dates
(based on past due dates). No monthly statement or reconciliation
needed. Comparing those Bill Reminders against my Checking account
balance would let me know on a DAILY basis if I might need to transfer
money to checking for the upcoming monthly bills or not. That's a
Quicken feature that I miss with GnuCash. And it's one that I'm hoping
can be added to GnuCash, either in a real release (ideally) or via my
own customization (if needed).
Sherlock, thanks for your explanation about how you ended up having to
patch the GnuCash code. I'm actually somewhat surprised that there
hasn't been enough interest from folks over the years to get variable
estimate functions implemented for Scheduled Transactions. It seems like
that would be a feature that more people would like to have -- i.e.,
knowing in advance how much money will be needed in Checking to pay off
bills later that month. Anyway, for right now I'll stick with the
standard GnuCash releases, since I'm still getting used to everything.
But at some point later on, it looks like I'll probably want to add
those variable estimates, assuming they don't make it into an official
release. Thanks for your help and advice.
Tom
On 12/1/2025 1:51 PM, Sherlock wrote:
Hi David,
We certainly do reconcile our credit card but that is not the point.
The Quicken functionality Tom is asking for is the ability to forecast
the impact of credit card account balances on the payment account
further in advance.
I didn't replicate the displaying of the scheduled transactions in the
payment register. Instead, we use a saved Projected Balance report
that includes the scheduled transactions. I did "improve" upon the
account balance being applied by including the scheduled transactions
and a closing date as opposed to the simply using the "current"
account balance.
I also added a generic account balance function which Quicken's
reminders lacked. This enables additional projection. For example,
dividend payments based on the number of shares in an account.
Regards,
Sherlock
On 12/1/25 11:18 AM, sunfish62--- via gnucash-user wrote:
You can have GnuCash automatically trigger a payment request
following a reconciliation, at which point one could (a) know with
some certainty the valid statement balance and enter it, and (b)
choose a date of your preference for the transaction. I would imagine
that could fit the bill, so to speak.
You *do* reconcile your credit card, right?
David T.
On Dec 1, 2025, 10:48 PM, at 10:48 PM, Sherlock <[email protected]>
wrote:
Hi Tom,
I'm not aware of anyone else's efforts on this front but we only
migrated our 25 year Quicken file to GnuCash 4.12 on Windows 10 in
September of 2022. There were a number of WAF issues with GnuCash I
needed to resolve as well as a few functional deficiencies which I have
carried forward to this day. Some of these “features” required
patching
GnuCash code. One of these was to implement the variable estimate
functions in schedule transaction templates for forecast reports I
mentioned earlier:
balance(variable)
forecast balance of the account the day before the next instance.
credit(variable)
forecast the credit statement's closing balance for the next instance
using the earliest notification to indicate the closing date.
last(variable amounts)
use the average of the previous amounts provided
(up to 6 amounts).
time(variable amounts)
use month of the instance to determine an index for the amounts
provided (up to 6 amounts).
estimate(variable amount)
use the amount provide.
For example, the template for a credit card payment is form:
credit card account credit(balance)
checking account balance
When an instance of the scheduled transaction appears on the "Since
Last
Run..." window, it includes the variable name with the editable
estimated amount.
Regards,
Sherlock
On 12/1/25 12:50 AM, Tom Route36 wrote:
Hi Sherlock,
I haven't actually tried that. I've been trying to work with the
standard GnuCash releases to better understand what functions and
features are available as is. I'm still coming up to speed with just
the basics. But it's sounding like what I'm looking for isn't really
available -- at least not in the stable releases. Have there been
any
similar comments or requests like mine about Scheduled Transactions
in
the past? Has anyone else tried to add such functionality before?
Tom
On 12/1/2025 12:47 AM, Sherlock wrote:
Hi Tom,
Are you able to build GnuCash yet?
Regards,
Sherlock
On 11/30/25 9:35 PM, Tom Route36 wrote:
I'm still adjusting to GnuCash as a former Quicken user; and I have
a
question about setting up Scheduled Transactions for my Checking
account. In Quicken it was fairly straightforward to create Bill
Reminders (essentially Scheduled Transactions) in Checking for each
of my Credit Card accounts. And the amounts in each Reminder could
be
set to track each Credit Card balance. Those Reminder amounts
would
update automatically as new transactions got entered into each
Credit
Card account. That was great. I could look at a list of Bill
Reminders in my Checking account and see in advance how much money
would be needed each month to pay off all the upcoming credit card
bills.
In GnuCash though when I setup a Scheduled Transaction for my
Checking account there doesn't seem to be anyway of doing that. The
Template Transaction requires me to enter a FIXED amount for each
Credit Card account. So the list of Scheduled Transactions won't
really reflect my CURRENT Credit Card balances -- not unless I
manually go and update them everyday. I've looked thru the GnuCash
documentation; but I don't see any mention anywhere about this
topic. Is there some way to have Scheduled Transactions
automatically show the full current Credit Card account balances?
Tom
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