Hi Alex, no, I’m an IOS user, but what I’m after I think is the opposite of the Pulse Graph, that works on current balance and spending, a historical graph really, what I’m after is adding up what I’ve spent so far in a month and projecting what it’ll be at the end of the month - so a forecast - nothing to do with card balance, only spending.
I don’t top up at the begining of the month, I top up randomly as I go through the month.
Ok good so if you take a look at the Pulse Graph, for the current month, there’s a grey trend line after today’s date & that’s showing you when your balance will hit 0 or where it will be if it doesn’t reach 0 by the end of the month.
Is that the sort of thing you were looking for?
Hi Alex, yes, I did see, that’s a very round the houses not quite as clear way for what I’m looking for (it’ll require me to do some working out just to get the number I want - furthermore with my consistent small topping up it’s not a monthly nice line).
My main goal is to have an understanding of at my current spending rate what I’ll be spending for the whole month, and quite possibly compared to an average.
The above graph only really shows you the date your balance will be empty from your current balance at your current rate of spending, it doesn’t really tell you your projected spending for the month - knowing when your balance is going to be zero is different to seeing how your spending currently will look like at the end of the month
That’s true, when this sort of thing has been bought up in the past Monzo’s response has tended to be that this will no longer be an issue when the current accounts launch & you’re depositing your full salary in your account.
At which point, it sounds like the forecast should pretty much give you what you’re looking for, in terms of seeing where your balance will finish up, based on your current rate of spend?
When it comes to the average spend / comparing my spend, I tab back to previous month’s in the graph, to check where my balance was at the same time in the previous months.
To calculate how much you will have spent by the end of the month, you’d need to deduct the forecast balance from your balance at the start of the month. I’m not sure you can get to a precise figure that way at the moment though, as you can’t see exactly what your balance is forecast to be, at the end of the month 
Hi Alex, yes, current accounts and salary being paid in makes it easier - the link you included to spending is similar to what I’m asking for really.
Still think I prefer to see a number for my projected end of month spending, perhaps in addition to a line going down as per the pulse graph. I want to judge my own spending and have an idea of what I want to spend seperately to my current balance or my Monzo balance (with current accounts people will have more money and savings in there so that line down to 0 will be less informative)
Just to re-iterate, I don’t care about balance at all, just spending.
So if I’ve spent £100 in the first 3 days of the month, this equates to £3000 for the first month, just want that automatically worked out so I have an idea in my head without having to do the maths myself =]
I’d find this helpful too 
You can do this now using the Targets so although they’re not perfect yet, once they’re more flexible, my guess is that Monzo will assume that Monzo are using them for this sort of thing.
You can’t see this from the Targets at the moment though, that sounds it could be a useful improvement for version 2.
Re: Targets, I don’t want to restrict myself with spending with targets, rather just want to know my projection, so I don’t use targets yet (can’t be arsed targets per category etc) - if Monzo gets custom categories and when it has current accounts I might use it - for now it’s that monthly projection that would be great, just somewhere on the spending tab would be great =]
A Monzo-optimised iPad app would be amazing after the iPhone app is perfect!
or just say a tablet app. no reason why there could not be an Android tablet app rather that just one for iOS
I’d suggest an iPad app would come first, the same way the iPhone one did.
Everything is always built for iOS first - more of them exist and frankly these are of better quality.
The trend of iOS first is here to stay, so you’re better off getting used to it rather than moaning about it.
Let’s keep it civil 
Absolutely - I don’t have android-fanboy insecurity paranoia
Would be awesome to have a feature where you can limit the spending amount within a given time frame (e.g. for a night out) that is irreversible (i.e. not freezing card)
That does sound pretty cool! 
My only thought here is that, say it’s a 
night out and you’ve already hit your limit, one might not be in the best state of mind to start increasing a spending amount - Say you ‘increase the limit’ by £10, but you’ve actually bumped it up to £100… You then think you’re only spending an extra £10 but once the next day comes around you’re broke 
Might lul people into a false sense of security - just my 2c
Hi nexusmaniac - cheers for the response!
So this is the kind of thing I was trying to address when I said it would be irreversible. Let’s say you have a night out planned but only want to spend £20. You set that as the only amount you can spend between 10pm and 8am - i.e. once you’ve set this (probably after an ‘are you sure?’ prompt) you can literally only spend £20; no backing out and no upping the spend limit during that timeframe.
Let the sober mind prevent the drunk mind’s mistakes and make those hangovers a little less painful!
(Might be worth taking out some emergency cash as well!)
That sounds good in theory, though there are some more potential issues when it comes to practicality, they’re mentioned in the discussion about the concept here -
As I’m moving more and more stuff to Monzo, I’m having a small issue ensuring there are sufficient funds available. For example, my WoW subscription will be coming out every 6 months at ~£70, I’ll have domain name renewals every year for ~20 Euros etc etc - it would be nice to have a “Recurring subscriptions” option where Monzo will warn you “In about 7 days, a transaction to X for £YY is expected - you do not currently have sufficient funds available” or just “Forthcoming payment: X for £YY around dd/mm”.
That would be really useful for me too! Hugo’s mentioned that the Pulse Graph will soon display your upcoming recurring payments, among other things which will hopefully address part of your use case 
I’ve put together a list of a few ways that Monzo’s approach to handling these sorts of payments is different (better!) than the legacy bank’s here too -
Hopefully the combination of those things covers your concerns but if you can think of anything else that might help, it’d be great to hear your ideas 
