If it’s a choice between one or the other, my vote is for targets, rather than spend vs average because I prefer the visualization rather than a percentage. My guess is that the design went in the direction of displaying how much the user has remaining in the month because that leads to the realization “I won’t have enough” & then Monzo offering it’s first revenue generating product - an overdraft.
But as Joe says, hopefully both can be incorporated while still keeping the design clean & the app easy to understand & use.
Just to pick up on this point [quote=“Trash, post:11, topic:6131”]
Basically I don’t really monitor my spend in buckets (i.e. categories) I keep a track of my overall spending and if spend too much on, say, entertainment it just means I have to tighten up in other areas.
if you’re using the targets functionality, you don’t have to track your targets by category. In the targets menu, you can tap on any / all of the categories & select disable [category name’s] target & then just set your overall monthly target and only refer to that.
Either way, that obviously doesn’t completely address your use cases…