Hi HN, I've been through many finance tracking apps, starting with Personal Capital, then Monarch, and most recently Copilot. None of them have worked perfectly for my needs. All of these apps tend to model “cash flow” as the net sum of your transactions during a month, yet while credit card charges are reported immediately, they are typically deducted from checking (cash) accounts the following month when the bill is due. As a result, I've always had to maintain a separate spreadsheet to track ...