Budget

Sometimes a single category has a mix of expected recurring expenses but you still want to pad the budget for that category with an additional amount to prepare for future expenses. It would be nice for there to be a budget preset settings which behave like "total expected recurring" which pulls in the recurring expenses for that budget period, but allows you to add a fixes amount on top of that.

I'm finding with 54 categories and category groups, the speed of the app is very slow. Especially when editing on the budget page and initial load times on the overview. Would be great to speed this up.

Similar to a feature YNAB had - when editing a budgeted amount I can add or subtract a value, rather than reset the budget entirely. Example: my budget for a specific category is at $503.68, and I would like to add $115.00 to it. I could click '+' and enter $115 to update the total, rather than having to do the math myself and enter $618.68. The case is analogous for subtracting an amount from the budget.

Currently, a budget line-item appears to keep an "Adjustments History," a record of when the rollover amount was reset to a specific amount (in my case always "$0" at the point where my budget records start) that offers the user the ability to delete any individual adjustment. I would like to have this, or something similar, record transfers I make between budgets' rolled-over fund balances: for each such operation, display something like "Transferred $AMOUNT from [Category A] to [Category B] (remove)", with "remove" (after confirmation) causing an atomic reversal of the operation.

I think a cool feature would be to add a toggle in the "edit budget settings" --> General Pool Rollover settings, that creates logic to roll unused budget from certain or all budgets into "savings goal/budget" type of object. The use case would be if I wanted to save up for a specific thing and the strategy was to underspend in other budgets, this would be a mechanism to keep the funds in the bank account (not move it to a segregated account so it's "out of mind"). Then, budgets reset following month as normal, underspent rolls again into the "savings goal" object, and so on. Bonus points if for longer term/high dollar savings goal it calculated the estimated number of months remaining until the savings goal is hit based on average cash underspent and rolled in to the goal each month.

Right now, categories that roll over to the general pool distort future months: at the start of a month, the full budgeted amount looks like it’s rolling forward, even though most will be spent. This gets worse in future months because the rollover accumulates and paints a distorted picture of what will actually be available. Possible solutions: Only apply rollovers (to general pool) at month transition (on the 1st). Or provide the option to do so. Separate planning vs. rollover numbers (budgets display clean, rollover tracked separately). Either would preserve accurate planning while still allowing true leftovers to flow into the pool.

Allow for budget presets that aim for a percentage target of another category (e.g. 20% of expected recurring income goes to apply to budget for savings) rather than a $ amount. Adding a visualization of percentage of total of budget on the budget screen would also improve the workflow for this kind of budget methodology.

Currently I can only rollover the difference between actual income and budgeted spend. I would like to be able to rollover the difference between actual spend and previous month's rollover + actual income.

Would be super useful to be able to set budget alerts for specific budget items. For example, if you have a category in your budget that is discretionary like restaurants, you could get an alert for the month letting you know when you hit a percentage of the planned expense.

I would like to auto-include the monthly dollar amount of a recurring transaction with greater than monthly occurrence so I can have a more accurate budget without impacting my actual cashflow. If you have an annual subscription, like Lunch Money, your actual cashflow is only impacted once a year. However, you should technically be budgeting for it every month to build up a "fund" in order to pay for it. If you create a "split" transaction that spans 12 months, this gives the perception that you actually have that dollar amount leaving your account every month, which is not true. It would be great to be able to include "calculated" amounts from recurring transactions in a budget.