I would be highly interested in this or a version of it. I really really enjoy the simplicity of LM and how it makes me more likely to manage my finances.

That being said, I do really want something to "mark" my dollars and how I intend that they be spent. Set goals etc.

I am hesitant to say that the answer to this is zero-based budgeting because I think it automatically adds a lot of complexity to the process and that...sucks.

But maybe the LM team can come up with some novel to help solve this problem!

YESSS! :)

I would love this too. Or at least a simple system to set "buckets" of money aside for large expenses.

Why hasn't this been implemented yet and why are less useful and requested features being planned and developed???

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).

Zero-based budgeting means you assign/spend all of the money within the budget to something, so that your total net = 0.

Some software does zero-based within the monthly budget, but if you don't carryover all the dollars within the budget, or base it on cash instead of potential/expected income, it's not cash/envelope based.

Lunch Money is really a super nice tool for personal finance and am excited about the developments. At the same time, I find it very disappointing that zero-based budgeting is not yet a part of it. I see here that there are many requests to integrate this. Jen, when will there be enough votes to get this feature on the roadmap? Looking forward to it!

This needs to get implemented asap

Can’t wait to see this implemented, this is my primary use case for any personal finance tool

Progress bars on the actual budget screen are a great feature too for this kind of thing as you can see if your on track or off track on long term budget goals.