Only Add Recurring Transactions to Balances on Their Actual Date

Upcoming recurring transactions should not affect the current account balance until their actual transaction date arrives. Right now, it can make balances look higher or lower than they really are because future charges are already being included in the total. For example, if a credit card currently has a $500 balance and there is a $100 subscription scheduled for next week, the app should still show the current balance as $500 today, not $600. The additional $100 should only be reflected once the scheduled date arrives. This would make account balances more accurate, less confusing, and much more trustworthy for users trying to understand their real current financial position.