There are also committed spends whereby you won’t know the exact figure until you have spent it. I.e a food shop?
I’ve explained my usage several times on different threads but the summary is pointless, for me personally, because it doesn’t automatically take away a budget for say food shop.
So after all my fixed committed spends are done, I have £500 a max budget per month for food. Summary might show that I have £850 but really, £500 of that is specifically for my groceries over the next month. Thereby really, I only have £350 a month spend. So I have a food shop pot which the £500 goes into and I reimburse my account from that as and when.
Now if I don’t spend £500 on my food shop that month than great, I will re-distribute the money wherever. But for me, I feel like the summary should remove any budgeting off the balance and therefore you have a true reflection of what you have left over.
Obviously each to their own and if Monzo could create something that can be toggled on and off for users then great but really I’m used to the Pots situation now anyway.