I have to agree. Started using Monzo fully this month, so have my first DD cycle this month.
Some of the bills are higher, some lower than usual, so I know that the ‘predicted’ spent next month will be skewed.
And as you mentioned, though DD is registered to be taken out tomorrow for £X it’s still not registered under my Bills Pot (i.e. not in sync)
I have also set myself up for Emma, as I have subscriptions and DD running on Amex and Monzo, and would like to have a quick overview of all of them (along with other summarised details for both accounts).
Though not perfect AI i.e. my Vodafone bill appears three times (but it’s the only one not accurate), it does allow me to change the ‘predictions’, so I can adjust the amount if I know it’s a ‘one-off’ high/low or when it comes to Amex bill, I can set it to the exact amount that I’ll know at the 1st every mount, but they don’t deduct until 11th. I can also see historical data and change charge date.
As mentioned, just started using Monzo, so I don’t know if they provide historical DD amount view, but at least the prediction should be based on some sort of smartly calculated average and not just the last amount charged AND even better if they would allow you to adjust beforehand, and decide whether Monzo should keep the adjusted amount going forward or use a ‘smart average’ It won’t have any impact to allow this customisation, as they anyway don’t know what the exact amount will be before receiving it from DD service, so it’s all just estimates until then.
These are some screenshots from ‘Emma’; hope it’s allowed to give an idea of how it could be done.