Support zero-based, or the envelope method of budgeting

I really like the rollover feature that is available when setting a budget for a month. However, when you set a budget with a rollover, the rollover portion still counts towards the total budget for the month. This makes it so that when saving up for larger expenses (car repairs, home renos, etc), the budgeted amount each months continues to grow and grow and grow and the "Net Budgeted" for the month becomes a large negative value. If the rollover amount didn't actually count to this months budget, then this wouldn't happen. I think this makes sense because the rollover portion of the budget was accounted for in the previous month's budget and therefore should not count towards this month's budget as well. I feel like this could easily be implemented by having a "Rollover" column in the budget view where the amount is not editable but can be toggled on or off for each category.

I use rollover budgets across the board, so i want an easy way to take all suggestions at once, rather than clicking each one to accept it. You could put under the "…" menu. Side note, are you calculating the rollover client side? As in the data the API returns, you don't provide it, so I can only assume you are pulling the last period budget, and calculating from that?

If you have a budget set for a month, I would love the option to show that alongside the reoccurring spending projections for a more realistic view of surplus funds per month!

I'd love to be able to plan & enter my budgets over a whole year, instead of going one month at a time. See attached for an example of a common spreadsheet format.

On the Finances > Budget view, it would be so helpful if my income and my allocations were totalled up so I saw how much I could increase or decrease budgets so they're almost equal to income. Pictured is a screenshot of Mint. This lets me know that I have $629 unallocated that I could put towards a goal. Having to sum it manually in LunchMoney is very tiresome.

At the bottom of my budget I'd love to see the total budgeted for the month, and even possibly set a budget so I can split it across my categories

On the budgets or categories table, the group rows look the same as the standard category rows, making it difficult to parse. It would allow me to more quickly scan the list of budgets / categories if the category groups were more visually distinct from the child / ungrouped categories. Possibly give the group a heavier font weight or use a different background color for group rows. I've mocked up a quick example of what mean. Thanks!

Currently, budgets are created from categories. This is the most obvious use case, but there are scenarios in which I would like to be able to create budgets from tags, merchants, or a combination of all of these. I believe this is something that Copilot does well.

Add custom notes for each month's budget