Simplifi calculates your balance by deducting your pending transactions from your current bank balance -- this includes manually entered pending transactions with the current or a prior date. That way, you always know where your account stands.
Note: Manually entered transactions marked as "Cleared" do not affect the balance on connected accounts.
Example: If your bank reports your current balance as $1000 and you have a pending transaction of $150, Simplifi will show the account balance as of $850.
While we work hard to ensure we display the most up to date information, it can take up to four hours, after appearing on your bank's end, before pending transactions appear in Simplifi.
If you notice there is a discrepancy between the balance you see in Simplifi vs. your bank's balance after four hours, please contact our support team through the navy messenger icon at the bottom right of your Simplifi account.