Whilst the new “target” feature is great it still has some bugs within it. Before you retire the (in my opinion better “summary”) it should be noted that trying to exclude payments has no effect on the trend line in the graph and therefore clearly doesn’t offer the same level of control of insight as “summary”.
I hope you will look to add an “exclude from target” or similar as it is a key part to how users will view their real spending over the month.