This sounds like a solution to @Johng123’s problem. However, scheduled pot transfers aren’t currently included in budgets, so you’d have to deduct the amount in your scheduled transfer from your budget manually when you set up the scheduled pot payment.
The ability to cancel a scheduled pot payment after it has transferred a certain amount or after a pot goal has been reached would also help with this.
Overall, I think @Johng123 would like a way to spread the cost of a purchase over a budgeting category for a certain amount of time.
For example:
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Your monthly budget for the Shopping category is £200.
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Your phone breaks unexpectedly and you spend £1000 to buy a new one.
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You set the £1000 to be spread over your Shopping budget for the next 8 months. Monzo recalculates your shopping budget as £75 per month (from: £200 - £1000/8 = £200 - £125 = £75).
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After the 8 months has passed, your Shopping budget is automatically reset to £200.