Budget

I’d like an option or rule for monthly budgets to start automatically when my salary transaction comes in. My salary doesn’t always arrive on the exact same day, so a fixed “start on day X” has caused me problems in the past. Ideally, I could create a rule like: “When a transaction from my employer is detected, start the new monthly budget cycle.” Or, for people with multiple income sources: “When a certain amount of income has been received, start the new monthly budget cycle.” That would make the budget match how I actually manage money: from paycheck to paycheck, not from the 1st to the 31st ... or 28th-29th.

Right now, I have "wants", "must-haves" and "savings" category groups, and I budget my money accordingly, like 30/50/20. What I'd like is to be able to set individual categories budget within a group and not do the math myself: simply set the category group budget, and then it would show me if I have put in too much for all the categories in the category, or how much is left until I reach group budget. Does this make sense?

I would love for certain categories to be able to budget an amount for the year, rather than inputting month by month.

Would be the perfect system if you had a debt payoff for like credit cards, loans Etc. There is the snowball and avalanche method or even have custom settings.

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.

For custom budgeting periods, it would be helpful if the Overview, Transactions and Recurring Items pages also reflected the same period when the "Align months between views" preference is enabled.

We can make a note for a category for a given month. But I would like to be able to make a note for a category in general, to note things like: what items I want to include or exclude from that category thoughts/plans for budgeting for that category. e.g. an annual amount that I need to track against monthly budgeted/spent amounts.

Allow an option to auto-set the budget indefinitely to a specific value. Ability to apply a set budget for multiple months at once.

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.

Support zero-based, or the envelope method of budgeting