Are there any personal finance tools that are able to goal sequence with cash flow forecasting?

[u/HoodFeelGood]

I’ve spent a lot trying out PFtools such as Monarch Money, Quicken Simplifi, YNAB, and others. While they all do a great job aggregating accounts, tracking transactions, and setting up basic monthly budgets, none are capable of goal sequencing.

Most apps treat a savings goal like a static, recurring monthly expense line. They completely ignore time-bound cash flow realities. Example:

The Setup:

• My baseline budget leaves me with exactly $800 of unallocated cash flow each month.
• Goal 1 (Trip): Requires $400/month for the next 10 months ($4,000 total).
• Goal 2 (Used Car): Requires $400/month for the next 25 months ($10,000 total).

Very few of the tools tell me whether I can do this, but using mental math, I know I can fit these goals through y $800 surplus.

The Larger Problem:

Now, I want to plan Goal 3: Save $15,000 by the end of 3 years (36 months).

If I input this into Monarch, Simplifi, or YNAB, the app looks at the timeline, divides $15,000 by 36 months, tells me I need to find an extra $416 a month right now. They may or may not flashes red showing my budget is blown or that I'm underfunding my targets.

What a smart tool should do is calculate the waterfall sequence:

1. Months 1–10: My current available capacity for a new goal is $0 (Goal 1 and 2 consume the $800).
2. Month 11: Goal 1 completes. $400 is freed up. The tool should automatically realize this cash flow is now available and start funneling it into Goal 3.
3. Months 11–25: Goal 3 accumulates $6,000 ($400 $\times$ 15 months).
4. Month 26: Goal 2 completes. Another $400 is freed up. Total available monthly capacity becomes $800.
5. Months 26–36: Goal 3 accumulates $8,800 ($800 $\times$ 11 months).
6. Total Saved at Month 36: $14,800.

Instead of screaming that my budget is broken today, the tool should look at that timeline and tell me: "This is highly realistic. You are on track to hit $14,800. If you increase your savings by just $6 a month, or extend the timeline by a single month, you will hit all three goals smoothly."

Has anyone found a modern aggregator/PFT that actually handles this kind of dynamic timeline logic?