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.
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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…