Agree with @gmb24 on this. One of the biggest problems people face is being able to see how much money they have ‘available’. Currently banks will say you have £xx available which could include any overdraft etc and gives a false reality of your financial situation.
Auto money management would be a great way to help people get started with budgeting as it will automatically detect salary and recurring outgoings. This could be done by taking data over a few months and also by adding tags to income/outgoings. Now the ‘available’ balance could be anything left after virtually putting money aside.
The main issue with this is anyone who has irregular income as it will be hard to budget for that. In this instance I would suggest that the user be encouraged set a average income at the start of the month.
I added the feature suggestion here a few weeks back-Auto Money Management For Bills