Budget

I think this would be a companion piece to the other idea to take a budget and auto-apply it to future months. We can currently set a budget, and with one click budgeting we can go to each month for the rest of the year (or whatever period we desire) and quickly copy that budget to those months. Not automated but at least it is relatively quick. However when we do this it only will populate the blank budget categories. What happens when we experience a financial change that would cause a specific category to need to be a different value moving forward? The only option seems to be to manually go to each future month that we have a budget set and overwrite the value. And for context, the reason why I am setting up all future months for a year is that my budget is not the same every month. So, I need to set up all months for the year to ensure that my planned spending is not exceeding my expected income over the course of the year. I could not check for this if I were to only set one month's budget at a time.

Because, what if you have a cash budget with a lot of manual entries and want to share that information with a different budget account? For families this would also be quite valuable.

Support zero-based, or the envelope method of budgeting

I start a new budget at the beginning of each year, so I don't want any amounts rolling over from December of one year to January of the next. It would be great to have a one-click solution to reset the rollover amount of a single budget or for all budgets (that have a rollover) to $0. Mint has a reset button that you can click for each individual category to reset the rollover to $0, so I'm looking for the same thing, plus the ability to click only once to reset all rollover amounts to $0.

Zero-based budgeting is not necessarily the same as envelope budgeting. Envelope budgeting is cash-based budgeting, meaning you budget based off of actual money/cash, not income (don't spend until you have it). The current budgeting implementation only allowes one to budget "current income" but there is no way to budget current account balance or savings. For example, if one starts using Lunch Money with 50k in savings and a monthly income of 5k (paid end of month), then by end of January (for example) one can "budget" the 5k, which is cool, but what about the 50k in savings one has? This money was already budgeted / saved for particular purposes (e.g vacations, private school, house deposit, etc) and it's a shame that LM does not allow me to budget ALL the money I have in my accounts but only current income.

Please add total variance (Difference)_ vs. Budget on the Budget page - it currently shows the Difference for each line-item category but not the TOTAL "Difference" for the Budget period chosen (the sum of the line item Differences). Also per other requests, please allow custom periods for the budget (not just the current month) showing Budget vs. Actual and Difference. Thanks!

I like the "show against budget" view but I don't like how I have to set budgets for obscure categories in or else I see "No budget set. Set budget now" many times. If there was a way to see total spend visually for the categories that I'm not too concerned with (instead of having to set arbitrary budgets for them ) I feel there would be a lot less visual clutter for those who only want to set budgets on the most important categories. Also because certain categories simply don't make sense to set a monthly budget on (Like let's say, credit card rewards)

There are some budgets that when full I no longer want to put money in them. For instance the vet budet, once I have $1200 in the vet budget, I don't want to add more to it unless it dips below 1200 and then go back to adding the default amount each budget. Any extra money return to the budget to be re-allocated.

I have budget line items which are completely covered by recurring transactions. I'd like to have some budget items which are auto set to the total of recurring transactions in that category for that month. For example, I have a category for software subscriptions. Every month I pay $10 for a Files app The first month of every Quarter I pay $20 for an image editing app Every February I pay $100 for Lunch Money I'd like the one click budget recognize these, so that I get this outcome: January - $30 February - $110 March - $10