Accounts, Assets

Support importing individual investment holdings from Plaid

In Lunch Money, when I transfer money between my own accounts (like from RBC Credit to RBC Saving), I have to: - Manually choose a category like "Transfer to RBC Saving" (but there’s no way to actually select the account itself as the category). - Manually exclude both sides from Reports and Spending Plan. In contrast, Simplifi by Quicken: - Detects internal transfers automatically, - Sets the destination account as the category (not just a label from a fixed list), - And excludes both sides from Reports and Budgets automatically. It would be a huge improvement if Lunch Money could: 1- Auto-match internal transfers (same amount, close time, different accounts), 2- Allow accounts to be selected directly in the Category field, 3- Automatically apply exclusions for transfers from reports and budgets. This would make managing cash flow between accounts much easier and more accurate. Screenshot attached for visual context — thanks!

Goldman Sachs Bank USA is the issuer

I just discovered that for some reason about 2 weeks of transaction data from my checking account didn't sync. Similarly last month I discovered that my Citi credit card has stopped playing nice with Plaid. It would be cool if you could set an "Alert me if no transactions occur for X days" feature with synced accounts. This would allow users to be more proactive when things go haywire.

I've noticed that the Plaid system for detecting when an account is closed is usually buggy. It would be nice to be able to manually mark an account as closed without first making it a manually-managed account.

When creating a new account of type credit card, it would be nice to be able to add it's cycle date and it's billing date. Cycle date - is the day in each month from where the balance of the statement is computed because not all credit cards statements go from first to last day in the month. Billing date - the day that the balance of the credit card is due - can be used for auto debit from a linked cash account For example, a credit card statement that goes from the 10th of a month to the 9th of the following month and has its payment due on the 15th of the following month. So when filtering the credit card, it'd automatically show the ongoing card cycle on the period of the card rather than on the full month from first to last.

Right now, the account types and subtypes are fairly confusing to me. Under investments, the options are all related to the purpose that you intend to eventually use the money for, there is nothing about the type of the investment in terms of asset class. And under Cash, there's, just the generic savings option or transactional account types. This leaves a pretty big categorization hole for any type of fixed savings option like CDs, direct bond holdings, GICs, etc. Based on how you currently have other asset classes like Real Estate (even for investment properties) and Crypto split out as its own top level account type, I think that adding a new top level account type for "Fixed Savings" that people could use for those types of investments would be the most consistent way of allowing for these types of accounts to be logically categorized in the app. That said, I'm also totally open to a larger refactor that better allows to categorizing investments by asset class.

I have a checking account for my business that I want to count toward my net worth, but don't want transactions imported or categorized for personal budget purposes. Would be great to have the option to exclude transactions from budgeting on an account-by-account basis.

Noticed that account subtype for investment accounts doesn't have any option for savings. it will be good to have some option to identify investment account correctly that aligns with common investment account type, TFSA(tax free saving account) in canada.

Show balance, payments, principal, interest, taxes, etc.