Strong agree!
I think we need something on that does this:
- Pay received
- Fund bills pot to value of bills therein (with an optional x% buffer)
- Fund other pots either to a total value of £$x OR add £$ to the pot OR put a percentage of your pay into the pot.
- Retain £X in main account for spending and sweep the rest to Y pot/account. If not specified leave everything in the main account.
That’s more complicated than I originally envisaged, but #2 is basically saying could set salary sorter to automatically top up your bills pot to a specified value. No sweep necessary because that would be done as part of #4 (where you’re sweeping all your unallocated cash somewhere for safe keeping).
The reason I mention percentages is that some folk like a percentage split between bills, spending, savings and investments.