The location is actually an address search. So you can start typing any part of an address and it will show you matching addresses from your transaction data. It’s a nice feature
In terms of budgeting, I’d like to see more control over when I can set budgets rather than just 1st of the month or payday - I use a credit card for cashback and pay it off in full every month, so my budget period is linked to the bill cycle…meaning I still have to manually manage this as it’s on a different date…in fact I have 2 cards I use with 2 slightly different billing dates so being able to set budget dates by account would stop me still having to work out my budgets manually
Firstly there should be dark mode, and also scheduled background refreshes. It is a pain to have to open the app for a quick check to have to manually refresh all accounts.
Also, it would be good to calculate the total of pending transactions and display this number so you are aware of how the total balance will shift. It’s really easy to get caught out with pending transactions, and I think Emma should make it as easy as possible to check what’s been spent but still due to come out.
Or just let us customize “Everyday” and make another tab for Checking and Credit Card accounts. As an example, I have a Checking account with each High Yield Savings (HYS interest is joke now, but still), but I keep $0 in the Checking accounts - I don’t need to see those. I also have a couple of credit cards I keep for emergencies (say my regular credit card account is stolen and has to be cancelled and I’m awaiting the new account number/physical card) and credit score, but they have a $0 balance 11 months out of the year. An option for “Everyday” could be to allow us to manually select which accounts we want to see there and also an option to auto-excluded accounts that have a $0 balance (but when they have a balance, they’d show back up).
Agreed. This would be a nice-to-have someday feature. Quicken’s Simplifi does this very good with all 3 of my investment accounts: Vanguard, Fidelity, Milliman Benefits (employer’s investment option).
But, in another way, it’s best to ignore value fluctuations and have a “buy and hold” position for investing. So to me, this is not really a good thing to know I just “lost” a ton of value in any given day, and perhaps even a bad thing for folks who are skittish about risk. My risk tolerance is high, and I just ignore changes, so this would just be an “eye candy” feature for me.
You can already hide accounts from the everyday section
Do quite like the idea about auto-excluding if the balance is 0, guess we would just have to see if enough people would want this for it to be worth changing!
EDIT: I’ve just checked and this is now something I can do now I’m doubting that I ever couldn’t do it…!
I’m not sure if this is what Jason meant but I have a Current account that I use as a savings account because it’s the best interest rate now NS&I has tanked. It would be good if I could recategorise this as a savings account rather than have it sat at the top of my everyday accounts. It’s also skewed the lovely graphs, (although I can only understand the 3 month one).
For anyone else that doesn’t know, if you click onto an account and press the three dots in the top right corner, you can move an account from current to savings to investments by pressing “change type”
Hi, I am new! Is this where we suggest new features?
I want to say first that I have tried many budget apps, and this is by far the best, really the only one that does what I need, and affordable! So thank you.
Previous months budgeted…
(first off, I love that you can easily swipe back to previous months to see spending, compare each category by month in a graph, edit batches of the same merchant, and so many more great intuitive things about this app that others just don’t have!)
So, I’d like to see the “budget” integrated into previous months to see how I did. (It’s possible since I just created the budget this month that it will actually continue to show up next month?) It would show up the same as for the current month, showing if I was over or under budget and the amount. If you did this as a new feature, you’d also have to allow for different budget amounts in different months, like if I end up changing my budget in the future, I want it to reflect what I had actually budgeted that month.
I also may find that this isn’t totally necessary as I go forward in my budgeting journey, and comparing numbers or individual category graphs will be enough, but I do like to see things visually.
Show all budget categories. In the current month, I’d like to see all categories for which there is a set budget (I don’t want the ones I never use), even if the category is currently empty (no money has been spent there yet). Alternatively, a “show all” option to expand to showing the empty categories, for simplicity’s sake. It’s helpful to see those, if I just want to visualize my whole budget, or to click on a category without going back to a previous month.
Rolling budget?
I guess I want to clarify what this is/will be (I saw it on the list of upcoming features) and possibly add a suggestion. My understanding is that unused portions of the budget would be “rolled over” to the next month? Could you turn this on or off? Or only activate for certain categories? Or I’ve got a potentially totally seperate feature in mind - similar to “funds” in the everydollar app (Dave Ramsey). You could set a particular category as a “fund” so that money is set aside every month, but is not necessarily spent in that month. This money would be rolled over, so it’s relevant here. This would be useful for things like doctor bills, home repairs, Christmas gifts, etc. What you spend is subtracted from the total fund, so it doesn’t look like “oh you went over 200 this month, but the amounts you’ve set aside each month are lost.” However, not every category should be treated this way. My utilities may go up and down, but they’re fairly predictable and recur every single month, so if I’m under one month, I don’t want extra money in the budget next month.
Merchant history. When editing a transaction, I love that you can see the “history” of transactions at this merchant. I’d love to be able to click on that to see the list of all the related transactions.
Edit category title. I like that you can add your own categories, but sometimes I just want to slightly change one. Like “housing --> household” and “personal care --> health”
Thanks!
Hello! Welcome to the Emma Community and thanks for your feature suggestions
Yeah I agree it would be nice to see how well you stuck to your budget in previous months. We’ll be rolling out some updates to the budgeting features early next year! Keep your eyes peeled
This is something I’ve thought would be quite nice to have too - I’ll bring it up with the rest of the team.
I’m not sure yet if you’ll be able to switch rolling budgets off, but it is an interesting idea. Which categories do you think you’d want to be able to switch off for? For the fund idea, are you saying that you’d want to set a budget for it too? So almost like a savings pot?
Like this idea!
Ooo I guess with this one if you have Emma Pro you can just create a new custom category to show the title exactly as you wish. So you’d then have a housing and a household category but just ignore the housing one? If we made category editing available to everyone then I’m not sure how special custom categories would be?
When I pay for something using PayPal via linked credit card the transaction name in my credit card app (Amex) looks something like this:
Paypal *Microsoft OneDr 80064####
ie. ‘Paypal’ followed by ‘Merchant/product’ followed by a number (I have replaced part of the number above with # symbols).
However, “Paypal *” gets stripped away on the transaction details page in Emma. For example, for the above transaction I only see “Microsoft OneDr 80064####” at the bottom of Emma’s transaction details page.
I would like to suggest that the info at the bottom of Emma’s transaction details page should reproduce the original transaction name coming from the source verbatim. This is different to the headline transaction name shown in the Emma transaction list. I like that Emma attempts to parse that into something more appealing and allows us to rename it. But it would still be good to know exactly what the transaction was called at the source.
Yeah we’ve done this because we think it makes it look a little cleaner, but we can definitely consider adding an option to revert back to the original transaction name
I think it makes sense to make things look cleaner for the main transaction name (the one shown in transaction list and top of transaction page). But I would also like to see unmodified source transaction name on the transaction page.
On the topic of PayPal transactions, it would be nice to be able to easily identify such transactions some way (I’m not sure how) and to capture them via a search for ‘Paypal’.
Editing the categories (5) could also be a pro feature. I think it’s useful because I want to keep the “default-ness” of the category (the look and how things are funneled in there) but just change the name a little so it makes more sense to me. But, not a major issue.
Rolling budget (3)… I guess I’m thinking for bills, groceries, etc, I don’t necessarily want to “allow” more spending the next month if I am under budget this month. So toggling it off for some categories would make sense. With the rolling budget in place for things like personal care or gifts, it could essentially be like a fund. If I set a budget for $10/mo for gifts, but there aren’t any birthdays this month, then next month I have $20 to spend since that money was already set aside but not spent. You could also have a “Christmas fund” that accumulates all year (as long as you stay in budget in other categories) for example, and you don’t really have to think about saving for it. Same thing for repairs or doctor visits or something. I set aside a certain amount each month (so it still has a “budget”) but then I might use up 80% of the total fund in one day unexpectedly, and then it slowly builds back up again over several months. I hope that makes sense. I like to have the visual representation of how much I want to set aside for a certain purpose. It could potentially be handled seperately from the typical monthly budgeted categories I suppose, but still be just as visible, and still be obvious that some of my money for this month is going to that purpose. In the every dollar app, “funds” are notated by a little piggy pank next to the category, and you can just toggle it on or off. It’s one of the things I like about that app, but this one has many more great features, and is way more affordable!