Budget

There are some budgets that when full I no longer want to put money in them. For instance the vet budet, once I have $1200 in the vet budget, I don't want to add more to it unless it dips below 1200 and then go back to adding the default amount each budget. Any extra money return to the budget to be re-allocated.

I have budget line items which are completely covered by recurring transactions. I'd like to have some budget items which are auto set to the total of recurring transactions in that category for that month. For example, I have a category for software subscriptions. Every month I pay $10 for a Files app The first month of every Quarter I pay $20 for an image editing app Every February I pay $100 for Lunch Money I'd like the one click budget recognize these, so that I get this outcome: January - $30 February - $110 March - $10

Most monthly categories have the same budget each month, but I have to go manually set it each month. That doesn't make a ton of sense. I would like to be able to have the same budget in place each month automatically for certain categories.

Zero-based budgeting is not necessarily the same as envelope budgeting. Envelope budgeting is cash-based budgeting, meaning you budget based off of actual money/cash, not income (don't spend until you have it). The current budgeting implementation only allowes one to budget "current income" but there is no way to budget current account balance or savings. For example, if one starts using Lunch Money with 50k in savings and a monthly income of 5k (paid end of month), then by end of January (for example) one can "budget" the 5k, which is cool, but what about the 50k in savings one has? This money was already budgeted / saved for particular purposes (e.g vacations, private school, house deposit, etc) and it's a shame that LM does not allow me to budget ALL the money I have in my accounts but only current income.

I use rollover budgeting, and I would like to be able to see exactly how much I am adding to the monthly budget (both total and by category). Currently I see only the total available amount. For instance, if I have $10,000 in an Emergency Fund with $100 rollover added each month, I would just see that category showing $1100 this month, then $1200 next month, etc. I would like to be able to see a column that says: Budgeting $100 this month toward the Emergency Fund, with subtotals by category group and a total of everything additionally allocated this month. Big bonus would be the option to see this summed up for an entire year: i.e., after twelve months it would show $1200 additionally budgeted for a category total of $11200.

I have some categories that I only need to budget for once a year, like taxes. So every month, there are some categories where the budget amount is zero dollars, and it makes the list a bit hard to read, especially when I have lots of categories. It would be good if there was an option to hide all categories with zero dollars so it is easier to analyze the budget.

Currently, setting a custom budget that repeats every 2 weeks or every 15 days doesn't work for income received on set days twice a month (eg. on the 15th and 31st), because not all months have the same number of days. This means that instead of consistent periods from 31st-14th and 15th-30th, you end up with 31st -13th, 14th-27th, 28th-10th, and so on. The semi-monthly (or twice a month) option would take different month lengths into consideration and repeat consistently based on two anchor days (eg. new budget every 15th and 31st). 31st would automatically be the 30th or 28th instead depending on the month.

Support zero-based, or the envelope method of budgeting

I have a budget item for a $100 payment I need to make every Friday. Some months my budget should be $400, some it should be $500. I'd like this automatically set.