Still nothing here… sad panda 
3 Likes
Love this update, it’s a step closer to seeing direct equivalents to my finance dashboard spreadsheets within the app.
I have a few observations/suggestions:
Firstly, I think I’ve found a quirk related to archive pots.
In short, when you archive a pot, trends shows the incoming funds because they’re part of your account feed, but doesn’t typically show the outgoing funds from the pot (because archived pots are not shown by default, you have to specifically click to include them). The result is a bump up in overall balance:
I archived a savings pot on a Saturday back in mid-April. Then put that money in a new savings pot when it arrived in my account on the Monday. The arrival of the funds is shown, but not the withdrawal as that’s from the archived pot; leading to an increase in balance.
I think this is all working as expected; you are shown exactly what you’ve asked to see. But its maybe not intuitive, it took me a minute or two to figure out why my balance jumped in April and why it didn’t align with my financial dashboards and its because archived pots are hidden by default.
Secondly, I’m paid last working day of the month and always Get Paid Early™. I then shuffle the money into pots the next day. So my typical trend graphs looks like this:
The peak value is so much higher than the working balance throughout the month that this view is difficult to interpret.
I resolve this “issue” in my own speadsheets by artificially limiting the y axis like this (same data as the trends graph above):
I also show the previous months underlaid on the same graph, but understand this could get messy and unintuitive for most users.
Not suggesting trends necessarily replicates either of these things, just pointing them out as general observations.
Also only showing the max, minimum and estimated end balance in the y axis labels coupled with only having horizontal grid lines at 1/3rd and 2/3rds of max balance (rather than at intervals of say 1, 10, 100 or 1000) all make it quite difficult to discern the value at any given point along the line.
Thirdly, this one isn’t directly related to trends but highlighted by the dips in my trends graph;
When you take money out of an easy access savings account it arrives the next day. Which is fine. But in the meantime it vanishes from both the pot balance and your account balance for the period between asking for the funds and the funds arriving the next working day. This results in these little dips in my overall balance. Which again is fine… just a little annoying haha. Not sure what the solution would be here or if one is a solution is even warranted.
Finally, if I’m going to use trends often I’m definitely going to find myself needing to interact with the filters menu a lot. There is a reason why I have 6 separate graphs in my finance spreadsheets;
To achieve similar graphs in trends, I’ll need to manually pick which accounts and pots I’m interested in by tediously checking and unchecking dozens of boxes which if I’m honest I’m not going to be bothered to do. Checking all those boxes every time is enough friction to cause me to just open my own spreadsheet instead.
So my suggestion would be to add some simple presets to this filters menu:
Select all and Deselect all would help massively, but beyond that you could also have things like;
- All accounts
- All active pots
- All archived pots
- All savings pots from other providers
- All external accounts
- Let me pick individually (which takes you to the current filter menu)
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Amazing feedback. 
This feels basic but so needed now!
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Speaking of sparking joy, I love that you can see the line draw itself each time you navigate to the trends tab or change the accounts/pots selected. It’s a small thing but I really like it.
3 Likes
Looking great so far. Need to properly play with it but one thing I’ve noticed under the ‘Total upcoming’ section is my next Flex payment is split over two payments for the one upcoming. So this upcoming payment is £67 but in Trends it has it £46 + £21. I’ll have to wait for next month to see if it does it again.
How do you budget? 
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I realise I could self solve this if I named the pots differently or used different images, but no way of telling which is my personal account and which is the joint account.
No meaningful data, even if you select the main account and the pot(s)?
Hopefully budgeting 
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You do need a little play with it to make it work for you, don’t you?
But kudos to @avb and team. This is one of the best things that Monzo has built.
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Are these graphs pulled from the app?
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I don’t get that 
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That’s weird! Doesn’t do it for me… oh wait, that’s not iOS is it?
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Just got it today!
Looks good and promising.
The first issue I noticed is that it includes spending categories that I have marked “exlude from spending” - so the “spending” tab does not include them, but the “balance” tab does, surely that’s a bug?
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Now you’ve got me asking why can’t I have multiple charts in trends each with its own set of filters / settings… Now that would be fantastic and I would get much better use out of Trends…!
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I’ve checked my app, I have it… and I’m a little concerned.
Balance - I can see a graph for this month, as expected from the post explaining how this feature will work. It’s not actually terribly useful for me - there’s a big spike where my salary comes in, a brief plateau, and then a big drop when I put most of it into pots. The scale then smooths out my actual spending.
Spending - I can’t see anything unless I upgrade to Plus. This appears to be the equivalent of the existing spending charts, am I right? Which I can see if I touch the pie-chart icon in the corner and then touch the calendar. From there I can see charts going back to 2017. And, I understand that in the long term, Trends will replace these old spending graphs? That strikes me as a significant downgrade to the standard account, and I’m not terribly happy about that.
Or have I misunderstood anything? If I’m wrong, I’d be delighted to hear it.
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Maybe the way to get there would be to add a ‘trends’ button in situ on each of the account/pot pages and have that open trends with the appropriate filter already applied. Like this:
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yeah I have this issue too. If much of your spending during the month comes from pots, you can filter to just show change in overall pot balance over the month. But that doesn’t quite work for me, as the spending from my pots each month is consistent every month. Its the small amount that I leave in my main account for discretionary and food spending that I need to keep the closest eye on. But the graph doesn’t allow me to do that because its skewed to accommodate the high balance on pay day.
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At the moment I tend to look at balance trends by account, but spending over a selection of accounts… the current model requiring accounts/pots to be toggle on and off isn’t quite right for me…
I think if you put it into pots on the day your salary comes in then it should avoid the spike as the graph works of your end of day balance.
2 Likes