[GNC] How to setup a Scheduled Transaction for full current Credit Card Balance?

Tue Dec 2 14:40:46 EST 2025

There are issues with security companies but not out of ordinary for a programmatically (self-developed python bridge) that converts csv into qif, and then importing qif works just fine …

I think OP was likely referring to download process that was fully automatic end-to-end – like Quicken – which I miss as well as number of financial institutions supporting direct connection via OFX is dwindling …

From: Gyle McCollam <gmccollam at live.com> 
Sent: Tuesday, December 02, 2025 2:06 PM
To: sunfish62 at yahoo.com; Fross, Michael <michael at fross.org>
Cc: Kalpesh Patel <kalpesh.patel at usa.net>; gnucash-user at gnucash.org
Subject: Re: [GNC] How to setup a Scheduled Transaction for full current Credit Card Balance?

Michael,

I don't know what you mean: "really happy with GnuCash with the exception of my now inability to download
transactions from financial institutions.  I download transactions from my banks and credit cards every month.  There may be issues with security companies, but I don't use those.

Thank You,           

Gyle McCollam

Gyle McCollam

gmccollam at live.com <mailto:gmccollam at gyleshomes.com>            email

  _____  

From: gnucash-user <gnucash-user-bounces+gylemc=gmail.com at gnucash.org <mailto:gnucash-user-bounces+gylemc=gmail.com at gnucash.org> > on behalf of Fross, Michael via gnucash-user <gnucash-user at gnucash.org <mailto:gnucash-user at gnucash.org> >
Sent: Tuesday, December 2, 2025 1:49 PM
To: sunfish62 at yahoo.com <mailto:sunfish62 at yahoo.com>  <sunfish62 at yahoo.com <mailto:sunfish62 at yahoo.com> >
Cc: Kalpesh Patel <kalpesh.patel at usa.net <mailto:kalpesh.patel at usa.net> >; gnucash-user at gnucash.org <mailto:gnucash-user at gnucash.org>  <gnucash-user at gnucash.org <mailto:gnucash-user at gnucash.org> >
Subject: Re: [GNC] How to setup a Scheduled Transaction for full current Credit Card Balance? 

This may be over simplistic, but I just put in a scheduled transaction on
the credit card due date for $999,9999 and adjust it when I get the
statement.  I made it a huge number so I certainly won't miss it or forget
about it.

This doesn't answer your question or solve your problem, but I thought I'd
share what works for me.

Best of luck - I moved over from Quicken 10 years ago, and am really happy
with GnuCash with the exception of my now inability to download
transactions from financial institutions.

Michael

On Tue, Dec 2, 2025 at 11:42 AM sunfish62--- via gnucash-user <
gnucash-user at gnucash.org <mailto:gnucash-user at gnucash.org> > wrote:

> Which is the Reconcile/pay process I outlined originally and referenced
> below.
>
> @Tom: Given your description, I'm honestly unsure what this Quicken
> feature gives you that you can't get from GnuCash. As Kalpesh and I both
> noted, you can have GnuCash create a transaction for the current reconciled
> balance during reconciliation, and you can always see an account's current
> balance on the chart of account's or in a report (as suggested by another).
> You've attached to the idea of a "scheduled transaction" because that's
> what you know, but other solutions exist.
>
> ⁣David T. 
>
> On Dec 2, 2025, 10:50 PM, at 10:50 PM, Kalpesh Patel <
> kalpesh.patel at usa.net <mailto:kalpesh.patel at usa.net> > wrote:
> >Wouldn't ticking 'Automatic Credit Card Payment' under 'Reconciling'
> >option in 'Edit' --> 'Preference' --> 'Register' qualify as similar
> >thing as Quicken's Bill Reminders which is triggered when reconciling
> >the account? It fills in the amount, today's date, current credit card
> >account and only thing needed is to select where the payment is coming
> >from account.
> >
> >
> >-----Original Message-----
> >From: Tom Route36 <tom.route36 at gmail.com <mailto:tom.route36 at gmail.com> >
> >Sent: Tuesday, December 02, 2025 4:59 AM
> >To: David T. <sunfish62 at yahoo.com <mailto:sunfish62 at yahoo.com> >
> >Cc: gnucash-user at gnucash.org <mailto:gnucash-user at gnucash.org> 
> >Subject: Re: [GNC] How to setup a Scheduled Transaction for full
> >current Credit Card Balance?
> >
> >Hi David,
> >
> >I just want to clarify how Quicken's Bill Reminders actually work.
> >Quicken doesn't PREDICT anything.  What it does is it sets the amount
> >of each Reminder to be the CURRENT balance of each Credit Card account.
> >The current balance is exactly that -- it's the balance of the
> >transactions that have actually been ENTERED into the Credit Card
> >account -- nothing more.  It doesn't predict future transactions that
> >haven't yet been entered.
> >
> >When a user creates a Bill Reminder in Quicken, only three basic items
> >are needed (although there are several other optional bells and
> >whistles if a user wants them).  The three basic items are: [1] The
> >PAYER account (e.g., Checking), [2] The PAYEE account (e.g., The Credit
> >Card company), and [3] The payment DUE DATE.  That's it. Nothing more.
> >
> >When the user opens the PAYER account register, there's a list there of
> >all upcoming Bill Reminders, typically (depending on user preference)
> >for the next 7-10 days.  Each Reminder lists three key pieces of
> >information: [A] The payment DUE DATE (same as item 3 above), [B] The
> >PAYEE account (same as item 2 above), and [C] the CURRENT AMOUNT of the
> >Payee account.  That item C here is exactly as described in my first
> >paragraph above.  It's simply the current account balance of the Payee
> >account, updated in real-time.  Nothing more.  And it's the key piece
> >of information that's not available for Scheduled Transactions in
> >GnuCash. Yes it's available when looking at the balances on the
> >Accounts tab.  I know that.  But what's missing is that the current
> >real-time account balance isn't available as a variable for the
> >Scheduled Transactions.
> >
> >I understand that there are workarounds, and that the info is
> >ultimately available.  But the Bill Reminders in Quicken are much more
> >user-friendly and keep the amounts up-to-date in real time; whereas the
> >amounts for Scheduled Transactions in GnuCash are static and don't show
> >a true picture of what will be due to each payee as the due date
> >approaches.
> >
> >I hope this helps clarify the Quicken vs. GnuCash differences here, as
> >well as what I'd hope to see available someday in GnuCash.
> >
> >Tom
> >
> >
> >On 12/2/2025 1:19 AM, David T. via gnucash-user wrote:
> >> This was what I was proposing with the reconcile/pay process.
> >>
> >> Quicken apparently predicts how much money a user plans to spend and
> >> tells you what it thinks you are going to owe based on the scheduled
> >> (i.e., hypothetical) transaction. GnuCash, however, follows a more
> >> traditional accounting path and only tells you about transactions
> >> (past, present and future) that you have entered into the books.
> >>
> >> Personally, I don't need that Quicken-type of prediction; if I need
> >to
> >> project my accounts in the future, I will create the necessary
> >> transactions (past, present and future) to allow me to adjudge the
> >> financial status. It might be in the OP's best interest to look at
> >> some of these other suggestions to achieve their goal, albeit in a
> >> different manner than Quicken's.
> >>
> >> On 12/2/2025 7:35 AM, Stan Brown (using GC 4.14) wrote:
> >>> On 2025-12-01 18:00, Sherlock wrote:
> >>>> 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.
> >>> But do they need to be _scheduled_ transactions? When my credit card
> >
> >>> statement comes in, I check it against my records, then enter a
> >>> transaction dated on the day the payment will be made, since I now
> >>> know the exact amounts. That keeps both my checking account and my
> >>> credit card account up to date for all past _and_ known future
> >>> transactions. So I can look at either account's register and see
> >what
> >>> the balance will be on any desired date.
> >>>
> >>> Stan Brown
> >>> Tehachapi, CA, USA
> >>> https://BrownMath.com
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