As Emma has the ability to see my transactions it can see how much I’ve spent on my credit card this month and it can see that I have perhaps paid some off by card - it should use this to enhance the subscriptions section.
This way I can see how much I’m going to be paying out at the end of this month!
I put my credit card payment that I make each month into my subscriptions. Is that what you mean?
Or do you want Emma to just predict how much you will be paying off your card?
This ^^
For instance some months I may spend £100 some maybe £400
If Emma could look at how much I’ve spent and how much I’ve repaid through the month it would be great to give me an accurate view of how much I have to pay!
I seeeee 
It would have to work out an average
I don’t think so - The logic for this seems very simple to me.
Credit cards are a set date every month for most.
So if my card bill is due on the 5th every month (we could set this within Emma) you could see each transaction between those dates that isn’t an authorization (you could let us mark these within the app) and you could see any repayments I’ve made on that by card already (as you have the access to the data
Then subtract the repayment from the total spend in between those dates
That would then give you my final bill presuming payment in full - obviously it would have to be adjusted for minimum payments!
Ah I thought you meant for the following month
Nah for the current month - no idea what my spending will look like until I get down to it 
I wish I did
That’s what I was thinking haha 
I love this idea!
It’s one of the features I was planning to build myself if Emma released an API but I guess I’ve shot myself in the foot now I can’t sell my idea for the millions it’s worth
I was going to create a new thread but turns out my idea (that’s been bothering me for years also) was already suggested 6+ years ago.
The recurring payments section and the true balance feature are annoyingly wrong when it comes to the amount that will be paid for credit cards, but Emma has all the data to make it more accurate. It seems to take just an average of recent payments, which is accurate enough if you’re paying down a debt with fixed/minimum repayments and no spending, but for normal monthly use of a credit card where you pay the balance in full, the numbers it gives are nonsense unless your monthly credit card spend is extremely stable.
The algorithm could easily guess which date the full balance due was calculated on and set that date’s balance as the future payment. But to make it much easier and accurate you could just allow the payment settings to be input on the credit card account set up in Emma - i.e. ask if it’s currently set to minimum payment/fixed payment/payment in full and what the statement date and payment dates are.
If you did this you could also do a better job of matching the payments to credit cards - I have two Amex cards and the recurring payments section just joins the two together rather than identifying them as two independent payments.
If you did this True Balance would actually be a really useful feature to me, at the moment it is useless because it completely makes up the largest payments on my main current account.