Hi team 👋
Background
I'm a big fan of the budgeting method in the app where I can select a target goal for each of my accounts and automatically have my salary divided up amongst these accounts! It's a great QOL feature!
As an illustrative example, let's say I have the following accounts:
- Currently has €150, goal is €100
- Currently has €500, goal is €1000
- Currently has €30, goal is €500
Whenever my salary arives, the 3 accounts automatically get filled up to their goal value (€150, €1000, €500 respectively) if the salary I get is >= €1600 (the sum of all goal values)
The Problem
This has become a bit of an issue for me, as I like to maintain some buffer in my accounts (e.g. groceries). Meaning that I may spend (on average) €200 a month, but I want the account to hold €500. Because the auto-sorting feature is based on the sum of goal values, this meant that my salary was often just not being sorted. In the end, I've had to compromise and reduce the budgetted amount in each of these accounts to enable the sorting again.
Feature Request
The solution seems like it would be a quick win for the engineering team: Instead of looking at the sum of goal values, we can look at the sum of deficits to be able to allow for higher budgetted amounts and more flexibility towards the user. In the case of this example:
- Currently has €150, goal is €100 --> MAX((100-150), 0) = 0 needed
- Currently has €500, goal is €1000 --> MAX((1000-500), 0) = 500 needed
- Currently has €30, goal is €500 --> MAX((500-30), 0) = 470 needed
The total salary needed for automatic sorting would be just €970, down from €1600. This would be a great QoL improvement, and I hope to see it in a future version of the app!
