Overview

Problem: Currently, Projected Expenses only accounts for Remaining Recurring Items (fixed bills). For users who utilize a Zero-Based Budgeting approach, this creates a "False Hope" surplus in the Projected Net Income widget because it ignores unspent funds already allocated to flexible categories (Groceries, Gas, etc.). Proposed Solution: Add a toggle in the Budget Settings to change the calculation logic for Projected Expenses. Option A (Current): Projected Income - Remaining Recurring Expenses Option B (Requested): Projected Income - Total Budgeted Expenses Goal: This would allow the Period Summary to match the Left to Budget reality, ensuring that if $1,000 is budgeted for food, it is treated as a "projected expense" from Day 1 of the month.

I have many accounts but many of them are dormant. Accordingly just take up visual space and make it harder to find the accounts I use everyday. An option to separate these two groups (e.g. like with real estate now) would be helpful.

Right now, I can select the group criteria in the Accounts setup page, which I find very useful, to group by Insititution instead of account type. But I cannot reproduce this smae grouping (and ordering, by the way) in the Accounts Overview card. It is fixed to group by type

I would find it more intuitive to see how money 'flows' from income to expenses, and a Sankey diagram has been helpful for me in the past.

On the Overview page, in the Spending / Budget Breakdown, the total income amount displays in green while the total expenses amount displays in black. It would be great if the total expenses amount changed to red if the total spent is more than the total income.

In the Budget Breakdown on the Overview page, when the display settings are set to “Show against budget” and “Show percentage spent,” a percentage currently only shows up for the individual categories. It would be great if the expense bar showed the percentage of total expenses out of the total budgeted. Currently, the main expenses bar seems to be showing spending based on what I have spent and what I have left in expected recurring expenses.

The overview's Projected Net Income and Projected Savings Rate do not take the budget into account. Both are pulling from recurring expenses and from current transactions instead of from the budget, which results in a misleading, inaccurate projection. To be a useful, accurate projection, it would need to be based on whichever is higher, either: a. a combined total of recurring expenses and current transactions for the month b. budgeted expenses However, recurring expenses + current transactions is still a useful number that could be described as "unspent income from this month" or something like that. That would be a helpful number to display on the budget page. To clarify, I propose that the formula should be something like this: the projected net income = non-recurring income acquired + recurring income acquired + recurring income remaining - total expenses - budgeted expenses Similar but different idea: https://feedback.lunchmoney.app/overview/p/show-budgeted-amount-in-period-summary-for-comparison

Currently there is the option to view account balances all in the primary currency of my budget. I would like to be able to view balances in any currencies I am using; so in my case, either all in USD or all in PHP.

Please implement Discreet Mode. It's the mode that allows the user to blur/hide some important data (amounts of transactions, usually). I am not a frontend dev, but I think it can be done relatively easy with CSS styling, like so in this link: https://kittygiraudel.com/2018/08/01/building-the-n26-discreet-mode/

Currently, I have to collapse these manually each time