Firstly I guess thank you for sharing an early design. It’s brave but hopefully the comments in the thread are useful. What drew me to Monzo was the community feel and this really helps.
The ring I think is great but I’d suggest a tweak:
- at the start of the period I had X amount.
- the fixed/regular outgoings should be shown taking up a portion of the ring.
- the remaining unallocated cash can just be a simple day-by-day burndown of what’s left over (a bit like the burndown charts in an Agile methodology)
Can I ask why the need for fixed categories? I’m fairly sure some relatively simple machine learning could be employed to let people create their own categories and then learn how to categorise payments based on the user doing some training.
What you’re proposing is a good step forwards on what we have now.