Switched to Lunch Money because of the cross-currency support, but I enjoy flexible budgeting like Monarch employs, meaning that you can just throw certain spending categories on budgeted into one large "flexible spending group." This allowed us to skip setting specific budgets for each "flexible" category, as the software grouped all spending from that group into one number, corresponding to one "flexible group" budget, while still allowing us to track spending for individual category lines within the "flexible group"

Nested subcategories that allow you to group/track expenses without having to set a budget for each line seems a good substitute for this feature!

Yes, I was looking for an ability to sub-categories as many items I want. Grouping limits to have just one category inside group.

For example:

Housing -> Utilities -> Water/Gas

Raj Thummar, there is already a concept of category groups that contain categories (or sub-categories).

Did you think that there should be more levels, perhaps?