I get an Available balance and Credit Limit for each card except Amex, for some reason.
I think the ability to add a credit limit to Amex and any manual card would be nice. Then maybe a colour bar either as background shade on each account or as a sort of progress bar under the account name would be nice
Where is dark mode and a sleek icon?! Love the app but itās not aesthetically āprofessionalā.
There should also be a āpending total balanceā where all the balance across all accounts is calculated including pending transactions. The information is there as it informs of pending transactions so it would be great for it to be included in a total balance to keep track!
Hello, trying to check whether the yearly analytics feature is going to be introduced soon⦠itās very frustrating to see the spending report only one month at a time and not year to dateā¦
Lots of good ideas for us to work on there, thanks for your feedback!
This would be amazing, and weād love to provide something like this! I think there are other features we need to work on before looking at this, but definitely something for us to consider!
On the subscriptions page there is no sum of the total amount of payments for the month (or previous months). This isnāt a feature that I can see, unless Iām missing it somehow. Iād find it very useful because I can see Iāve got roughly X going out this month so Iāve got X left over. It would be even better to put it into a graph. Iāve been trying to get my bills down lately and it would be great to be able to visualise it like with the graphs on the account pages.
Like the idea of clicking on a month and seeing what payments are due/ what you paid in previous months and agree that showing this in graph form could be really motivational (both yay my bills are dropping, or woah Iām spending lots more than LY!)
Do you think a calendar view, or a filter type selection would work?
A feature I think is lacking and that I think would be very useful is to login to your account through a web GUI so you can monitor and control your accounts on a larger screen and with rich vibrant User Interface.
Few other considerations:
Multi user environment so more than one email can be registered to one account. (for example partners or family account where children can have restricted access only to their pocket money account for example)
Within the app there could be a messaging service where you can discuss bills and tag and comment on various things securely.
Generate downloadable reports from the web GUI to pdf or Excel format
Plot out future net worth and saving goals using past data and future commitments, assumptions and manual form filling.
Create future goals and use computer learning to suggest how to achieve goals.
@rebekah a small feature request that would solve a big pain point - the ability to ignore categories from your budget.
Use case - we are currently doing a house extension and have a category to capture those expenses, but obviously these costs are an exception and making it hard to track the rest of our usual overall monthly budget ie. we havenāt really blown our monthly budget by thousands every month for the last 6 months, weāre just paying our builder. I donāt want to use the āignoreā category because they are real costs (not transfers) but need a way to remove them from our budget calculations.
We actually had a similar request from someone on our Instagram yesterday. They mentioned having monthly/rolling budgets but then also separate fixed budgets.
In their case, they wanted to use fixed budgets for things like house renovations. They donāt have a set amount they can spend each month, but still want to be able to track how much theyāve spent overall, which Iām guessing is similar to you
Will definitely pass this idea onto the rest of the team and see what we can come up with
Hello everyone. New here, tried quite a few apps and Iām staying with this one. Good job!
Chiming in what Iād like to see
A year view in analytics would be helpful (Iād like to expand the timeframe to 2 years, 5 years, and all time as well). Most of my subscriptions are yearly - Iād like to budget it yearly as a monthly average instead of going over a budget in one month when the yearly subscription is paid.
The current line graphs show no numbers. Iād much prefer to see numbers there too, on both axes.
Subcategories would be helpful. Show categories first (total budget for all subcategories) and only when I tap on a category I would see all subcategories (each with its own budget). For example, Iād have a total āCarā budget with various subcategories in it, e.g., āFuelā, āServicingā, āRunning costsā (like insurance, road tax, breakdown cover, etc).
Net worth over time line chart on the dashboard. There are really too many unnecessary things on the dashboard, like invite a friend in banner, invite a friend round button, Cashback - they could go into āMoreā¦ā menu - itās not something you need to see daily. I wonāt invite a friend just because thereās a button in the middle of the screen - it just annoys people (Emma is the only app that has that button in such an obttrusive way by the way from the apps I tried out). When I will invite a friend, Iāll know where to find it if you put it in the āMoreā tab. I know you want more people to use it, but thatās not the way to go about it - by annoying your existing users.
What I also notice is that these kind of apps tend to have the transaction list as one of the main screens. Albeit itās good to see all transactions in one list (from multiple accounts), itās still something I can just see in my banking app. What we need from these kinds of apps is analysis, graphs and charts. That should be the main emphasis.
Thanks!
Upd: oh, and I forgot - please let us change category for a pending transaction. Other apps allow to do it and I usually update them when I make a purchase. Here I need to wait until itās not pending anymore and may forget to change it.
Hey @unique - welcome to the Emma Community and thanks for all this feedback!
You can click on the graph and follow the curve and the number will change at the top - realize that we could make this a bit clearer though.
We have thought about this in the past and do see the benefits of it - if youāre on Emma Pro you can set custom categories which could then act as subcategories like āfuelā, āservicingā etc
Thanks for your feedback on this - weāre in the process of redesigning a few screens so you may find that this changes soon