Budget

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.

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.

Support zero-based, or the envelope method of budgeting

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.

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.

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.

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

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

I have some categories that I only need to budget for once a year, like taxes. So every month, there are some categories where the budget amount is zero dollars, and it makes the list a bit hard to read, especially when I have lots of categories. It would be good if there was an option to hide all categories with zero dollars so it is easier to analyze the budget.