The running balances in the account don't include scheduled transactions
and the only known date of a balance on Accounts tab is today (present).
So, No. In my opinion, they don't suffice.
The Balance Forecast report is really the best option but, base GnuCash
assumes all variables in the scheduled transactions are 0 (and, as I
recall, I found it was off one on repeated scheduled transactions). If
the scheduled transactions don't use variables and you know the closing
dates of the credit cards, you can obtain the appropriate projected
balances. You then need to determine the projected balance of the
payment account on the date of the credit card payment to determine if a
transfer is required.
The credit function I implemented basically determines the credit card
projected balances on their closing date and applies them in scheduled
transactions on the payment date so when we view the Balance Forecast
report for the credit card and payment account, the scheduled payments
are present. This means it becomes simply a matter of viewing the
payment account on a Balance Forecast report to determine when you need
to transfer funds. Similarly, the Balance Forecast report of the credit
cards account can be viewed to determine when the a credit limit may be
exceeded.
Regards,
Sherlock
On 12/1/25 4:32 PM, Adrien Monteleone wrote:
Do the running balances in the account itself, and on the Accounts tab
not suffice here? Depending on the column(s) you choose to display, you
should be able to see at a glance what you owe on each card. That won't
show up in the official Reminders window, but the info is there. Perhaps
I'm misunderstanding though.
As for adding the account balance as a variable, that is awesome. Yes,
it has come up several times before. There are various threads where the
idea was discussed, but the end result was simply, "not available at
this time." I suppose Sherlock was simply the first with need, ability,
and time to implement it. (I would suspect that's how most features get
added.)
Regards,
Adrien
On 12/1/25 5:44 PM, Tom Route36 wrote:
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.
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