Developer here. Thank you for a really good explanation! That's exactly what Funded does. You can have 'virtual accounts' to put aside money for future payment

Developer here. Thank you for a really good explanation! That's exactly what Funded does. You can have 'virtual accounts' to put aside money for future payments. With this concept, you'll know the true remaining balance in your checking/savings accounts. Funded even takes into account your credit card balance. Hope everyone gives it a shot. Available on App Store for free!