For my circumstances, I think I need a combination of Balance and Targets:
I want to budget on what’s left in my account (i.e. what’s safe to spend after bills have come out).
I can kinda do this on day one by setting my target to match what’s left in my account…
… But that doesn’t take into account things like roundups going to savings and upcoming bills.
So my ideal solution would be another tab that combines the features in Balance and Target. It would:
Work off my safe to spend number (the balance in my current account minus any upcoming known spend)
Show a graph for the whole period showing predicted future spend (like Balance) but also adjust that for budgeted spend (like Targets) so I can see if I’m on/off track.
If I know I’m going to have an exceptional big purchase (like buying a new laptop) I want to be able to plug that in too so Monzo knows to expect it.
Work off its own set of accounts. I don’t really use Balance because I’m a heavy under of Spending - and they have the same accounts selected for each. I’d like the combined effort to just run off of my Monzo current account and pots (or maybe that and one specific credit card).
You can’t do it, but it’s one thing I would like to see. You can of course manually flip between the budget and the target tab and do the maths. But it’d be nice to see something just show that number.