I’ve been using Emma for a month and I’m loving the app, especially its synchronization with Canadian banks. However I would like to propose some new functions that could be interesting:
Forecast feature: initially, the function of budgeting income should be implemented in the budget. Thus, based on budgeted expenses and income, it would be possible to predict future net worth. Along with this function, it could also be implemented the option to simulate a possible salary increase or an expected yield of earnings through an annual percentage stipulated by the user.
Web version: often for a deeper analysis a web version of the application could be interesting
Smart categories rules: Some transactions are difficult to be automatically categorized, as they often come with incorrect or incomplete bank names. Therefore, categorizing them considering only their name is inaccurate. The use of rules that allow you to categorize transactions based on account, value and date would be ideal for a more efficient automation.
Budget with different dates: There are some expenses that are punctual or repeated every year or semester. It would be interesting if there was the possibility of budgeting for specific events, such as a trip or budgeting for expenses that are repeated in different periods than the others. For example: I spend $1000.00 on groceries per month, but my electricity bill is paid every 2 months.
The app is excellent, keep doing this great job!