Yeah i think short term view for big purchases and in general what direction is your money ‘trending’ is super useful and do-able.
I was reacting to the linked article and the first chart / usecase they show - projecting how your money maps out to retirement.
I have looked at the experience of these apps with 20-30 year olds in the past and in general the ‘to retirement’ projection was v unhelpful because:
a) its overly pessimistic to forecast to retirement based upon salary of a 20-30 year old
b) retirement is too far away a concept to weigh up vs ‘how much should i spend on a holiday’
However a usecase of projecting where your current spending would take you i think is super cool
edit: not that im assuming such tools and/or monzo is focused at 20-30 year olds - i was just giving an example from my own work in FSS in the past