I have a Checking Account with Limits set for Minimum Balance and Maximum Credit Limit. The Minimum Balance is setup with an Early Warning of $5,500 and an Absolute Limit of $5,000. The Minimum Credit Limit is setup with an Early Warning of $1,00 and an Absolute Limit of $800. The account has a balance over $8,200 yet each time a payment is entered a warning indicating "The balance of account Checking Account dropped below the warning balance of $5,500."

In my view available funds exceed the set limits. Why does this warning appear?

Could you send an anonymous file that exhibits this behavior?

cristian.onet wrote:Could you send an anonymous file that exhibits this behavior?

Sure, It will be a few days before I can pull something together though. Once I do, where do I send it?

To the developer's mailing list kmymoney-devel@kde.org.

cristian.onet wrote:Could you send an anonymous file that exhibits this behavior?

Cristian, I believe I have figured out the issue.

There are a number of Scheduled Transactions, some payments and some deposits, in my KMyMoney file. I like to keep track of upcoming transactions and have set the "Number of days to preview scheduled transactions in ledger" to 14. Using this setting, any scheduled transactions that occur within the next 14 days are shown in the associated ledger. When each future ledger line is viewed one sees, depending on the transaction type, either a Payment or Deposit and a balance reflective of the change the line item would bring. In addition to this I often enter scheduled transactions a few weeks in advance of their due date. For example: I have a scheduled transaction for a credit card payment. The statement is often received mid month with payment due the following month. I'm one who like s to get these things out of the way as soon as they arrive so I'll often head to my banks website as soon as I receive the statement and schedule a Post-dated payment for the following month. Here's where I believe the problem comes in.

Let's assume its September 28th and the actual balance in my account is $5,500. With KMyMoney set to preview scheduled transactions in the ledger, any scheduled transactions that occur within the next 14 days are listed. Also listed are any post-dated transactions, such as the above noted credit card payment that will occur on October 10th. If a deposit of $3,500 is scheduled to be made September 30th, a balance of $9,000 would be shown next to this transaction. If the above noted credit card payment is $1,500 then the balance listed next to the credit card entry would be $7,500. Using this view and as long as the deposit occurs as scheduled, there are sufficient funds to cover the credit card payment. What I've discovered though is that KMyMoney does not account for "future scheduled transactions" in the alert calculation. If "Number of days to preview scheduled transactions in ledger" to 0, the final balance on the account, including the post-dated credit card payment would be $4,000. This of course is below the limit set and of course reflects the true state of the account.

Currently KMyMoney does not consider future scheduled transactions in its Alert calculations. If one does not use ""Number of days to preview scheduled transactions in ledger" then I can see how this approach is appropriate. Under the circumstances I've described, which is setting the "Number of days to preview scheduled transactions in ledger" to a value greater than 0 then shouldn't KMyMoney consider this in its Alert calculation and warn users accordingly?

I often enter future transactions like you did but I always found it natural that the balance of the account displayed everywhere is "today's balance". If I understood correctly the balance in your case on the date when the warning was issued reached the early warning limit. Would you expect the application to consider the future balance and ignore the limit? If so how long in the future? I think that the current behaviour of using the current balance to issue warning is correct.

cristian.onet wrote:I often enter future transactions like you did but I always found it natural that the balance of the account displayed everywhere is "today's balance". If I understood correctly the balance in your case on the date when the warning was issued reached the early warning limit. Would you expect the application to consider the future balance and ignore the limit? If so how long in the future? I think that the current behaviour of using the current balance to issue warning is correct.

There appears to be two issues at play here. Post dated transactions and future transaction. Let's ignore future transactions for the moment and focus solely on post dated entries.

I understand the term "today's balance" as being the actual balance of the account at this very moment in time. That being the case then no, the balance on the date when the warning was issued has not reached the early warning limit. The balance on the account is $5,500. The early warning is set at $5,500. Prior to entering the post dated credit card payment of $1,500 no warnings were given. After entering the post dated amount a warning appears. Without considering future transactions, why does the warning appear when the posted dated entry is made? "Today's Balance" is not below the value set for the early warning, its still $5,500.

Considering future transactions, with such enabled I would expect the application to either consider "today's balance" or the future balance up to the point of the last postdated entry. In that way any future transactions between todays date and the date of the last post dated entry would be considered in the alert.

I've prepared a little file that demonstrates the problem as I see it (I will send the file along to the address provided earlier). In it you'll see a checking account with an opening balance of $5,500. There's deposit of $3,500 scheduled for September 30th and a post dated transaction of $1,500 scheduled for October 7th. Assuming todays date is September 28th, "today's balance" is $5,500. Prior to entering the post dated payment, there were no minimum balance alerts. After entering the post dated payment an alert was raised. If the application ignores future transactions and considers only "today's balance" ($5,500) then why was an alert raised following entry of the post dated transaction? If future transactions were considered then September 30th's deposit of $3,500 would offset the alert

Thank you for your consideration in this regard.

OK, I saw the file that you sent to the developers mailing list, I will take a look it and get back with an resolution.

cristian.onet wrote:OK, I saw the file that you sent to the developers mailing list, I will take a look it and get back with an resolution.

By way of copy on a PM to developers I see discussion in this regard is ongoing. I look forward to seeing their feedback and that of any Forum member who may wish to chime in here.