# What important features are we missing? **URL:** \ **Category:** Feedback & Ideas\ **Created:** [January 25, 2023, 5:25pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046 "2023-01-25T17:25:46Z")\ **Posts on this page:** 20\ **Page:** 6
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [March 26, 2023, 10:56am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/102 "2023-03-26T10:56:03Z")
> [@Peter](#): > > Can I just set this up to specify the source account (my Monzo I’ve connected in Emma) and then destination sorry ode and account combo? Or is this information not passed over? > > If there was a way of doing that, and having a feed so I can see the history of money in and out that would be fantastic! With smart rules (the name for the automation feature) you choose the api-connected account you want to monitor and provide characteristics of transactions you want to detect in that account (like a specific bank transfer reference, a specific value range, etc). You then nominate the manual (offline) account you want to link the detected transactions to. So if you have set it to monitor for transactions from your current account with the reference “To Zopa” (for example) it will deposit that amount into your manual Zopa account and will will see a list of the smart-rule-applied transactions in that account. It works well with most accounts, but unfortunately not with Monzo or Starling. The issue is Emma does not pull in bank transfer references from Monzo or Starling making it impossible to define precise rules. The issue was acknowledged over two years ago, but it doesn’t seem a high priority issue as it hasn’t been fixed. > [@Problem searching Monzo bank transfer references in Emma (probably also related to issues with renaming transactions and smart rules)](https://community.emma-app.com/t/problem-searching-monzo-bank-transfer-references-in-emma-probably-also-related-to-issues-with-renaming-transactions-and-smart-rules/3600): > > With most accounts (perhaps all non-Monzo accounts), Emma displays bank transfer references within a greyed text field at the bottom of the transaction details page (some kind of composite of payee name and transfer reference is shown). This seems to be a searched field when using Emma’s search tool. However for Monzo accounts you only place the payee name in the grey text field and you place the transaction reference in a separate “details” field. The details field does not seem to be included… > [@Smart Rules \[Testers needed + Feedback\]](https://community.emma-app.com/t/smart-rules-testers-needed-feedback/2928/146): > > I tried to use a smart rule for the first time a few days ago and it failed. Live chat told me to just wait till next month because maybe there just wasn’t enough time between creating the rule and making the transfer. Having seen this comment I’ve now gone and looked and the transfer from my Starling account just shows the payee (i.e. my name as it was a transfer to an offline savings account) in the block text right at the bottom of the transaction details page. It doesn’t seem that the tran… ############ Re goals… > [@Peter](#): > > This is a biggy for me that I can’t see in the app. > > Basically I’d like to tell Emma that I’d like to have £5000 for emergencies then save £7000 for renovations. Then point it at my Santander and manual savings accounts so I can see how close I am to my goals. > > I’m taking it that you can’t do that right now? You can assign single savings goals to single savings accounts. But I don’t think you can assign multiple goals to a single savings account. Also, I don’t think you can map multiple accounts to a single goal. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [March 26, 2023, 11:26am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/103 "2023-03-26T11:26:20Z")
> [@Peter](#): > > Back firmly on topic, an important thing missing for me is the ability to customise the Everyday/Savings/Investments/Net Worth section. > > For example, I’d like to be able to split my credit cards. I have one long term 0% card that isn’t everyday spend - I’d want it as loans or debt or something. But my day to day credit card, absolutely that’s everyday. > > If configurable, I’d also want to create entries for Loans, Mortgage and Assets separately, which can then all be totaled off in the Net Worth section. You can create manual (offline) loan accounts. The full list for manual account type options is: current account, credit card, savings account, loan, investment account, pension. Loans and Pension accounts appear within the Net Worth section of the account widget. For certain api-connected-accounts you can change account type - for example you can change a current account to a savings account and this will influence where it resides within the accounts widget. However, you don’t seem to be able to change the type for api-connected-credit-card accounts. Perhaps this is an oversight as it would definitely be helpful to be able to change to Loan type. Whilst you can influence where accounts appear within the accounts widget (by changing their type), something you can’t do is influence the overall appearance of the widget. At the top level, the widget is organised into Everyday, Savings, Investments, Net Worth. I’d like to be able to change this to Current, Credit, Savings, and Net Worth. Unfortunately, this type of configuration isn’t possible. ---
**Author:** ![Peter](https://avatars.discourse-cdn.com/v4/letter/p/278dde/32.png) [@Peter](https://community.emma-app.com/u/Peter)\ **Post date:** [March 26, 2023, 12:12pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/104 "2023-03-26T12:12:22Z")
Thanks, @o99! > [@o99](#): > > You can create manual (offline) loan accounts. If the smart rules feature worked for Monzo, and also worked in reverse (i.e. saw how much I’m paying off on my 0% card every month and took that off the outstanding balance) then that would be amazing! Having read the topic in a bit more detail, I think the summary of things that are missing for me is then: - Import data from CSV/QIF files - Subcategories (especially for income) - Ability to exclude categories/subcategories from analytics - Smart rules to work from Monzo - Smart rules to work for loans / negative balances - Recategorise individual credit cards as loans / everyday spending etc - Customise the overview widget (Everyday/Savings/Investments/Net Worth) - Automatic export to Google Sheets - Aggregate all savings accounts to one value then allocate goals from that value - Specific account type of ‘mortgage’ in manual accounts - Manual investment accounts where you enter how many shares you own and Emma updates the value to the live share price - Property price APIs to get live property values - More sophisticated periods (e.g. start a new period automatically when my salary is detected), or otherwise things like ‘last working day minus one’ (I need this because Monzo get paid early messes things up). - Manually set up future transactions to help budgeting (e.g. I know I’m going to spend £100 on something in two weeks time - I add it so it comes out of my budget, then it falls off when the real transaction happens). - Long term (multi-year) analytics. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [March 26, 2023, 12:55pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/105 "2023-03-26T12:55:38Z")
> [@Peter](#): > > More sophisticated periods (e.g. start a new period automatically when my salary is detected), or otherwise things like ‘last working day minus one’ (I need this because Monzo get paid early messes things up). My experience is Emma does a good job auto-resetting pay periods. My pay normally arrives around 26th of the month (so my typical budget/analytics period is 26th to 25th of following month) but sometimes will arrive earlier. If I receive my pay on the 24th Emma will automatically adjust the period to 24th (current month) to 25th (following month) without any intervention from me. So I imagine it would easily adapt to use of Monzo get paid early feature. ---
**Author:** ![Peter](https://avatars.discourse-cdn.com/v4/letter/p/278dde/32.png) [@Peter](https://community.emma-app.com/u/Peter)\ **Post date:** [March 26, 2023, 1:31pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/106 "2023-03-26T13:31:15Z")
Hey @edoardomoreni - I see that “Tax Returns” are on the open roadmap (excellent work on publishing that btw - loving what I’m seeing, especially CSV import): > **[Notion – The all-in-one workspace for your notes, tasks, wikis, and databases.](https://emmafinance.notion.site/Tax-Claims-b3a42357d07c40abb29502a813d9166e)** > > A new tool that blends your everyday work apps into one. It's the all-in-one workspace for you and your team If you can have Emma do my self assessment tax return for me then you’ll have one very happy customer! (Especially if it can deal with crowdfunding losses, profit and EIS!!). ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [March 27, 2023, 8:41am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/107 "2023-03-27T08:41:55Z")
Thanks, looking forward to 🙂 ---
**Author:** ![Vladanm999](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/vladanm999/32/2089_2.png) [@Vladanm999](https://community.emma-app.com/u/Vladanm999)\ **Post date:** [March 27, 2023, 2:16pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/108 "2023-03-27T14:16:49Z")
There has been loads of great suggestions on this channel now. Do we have a sort of list or updated roadmap that includes some of the missing features noted here so we can get an idea of if/when we could look forward to whats coming next with EMMA ---
**Author:** ![ainsley.bilton](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ainsley.bilton/32/2172_2.png) [@ainsley.bilton](https://community.emma-app.com/u/ainsley.bilton)\ **Post date:** [March 27, 2023, 4:15pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/109 "2023-03-27T16:15:30Z")
Hey Peter! That is a really great list you have compiled and we really appreciate such detailed feedback to help us make the app better!! We’re going to evaluate how we can implement these suggestions and in the meantime keep them coming we love customer input to make Emma the best it can be! ---
**Author:** ![MenaceDennis](https://avatars.discourse-cdn.com/v4/letter/m/ac8455/32.png) [@MenaceDennis](https://community.emma-app.com/u/MenaceDennis)\ **Post date:** [March 29, 2023, 8:14am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/110 "2023-03-29T08:14:09Z")
I get paid on the second last working day of the month and it would be great to be able to have this as the first day of a budgeting period. ---
**Author:** ![Vladanm999](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/vladanm999/32/2089_2.png) [@Vladanm999](https://community.emma-app.com/u/Vladanm999)\ **Post date:** [March 29, 2023, 8:30am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/111 "2023-03-29T08:30:19Z")
normally you can select which payment is your income so if its that date it will set from when that payment is added to be your budgeting period ---
**Author:** ![ainsley.bilton](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ainsley.bilton/32/2172_2.png) [@ainsley.bilton](https://community.emma-app.com/u/ainsley.bilton)\ **Post date:** [March 29, 2023, 12:29pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/112 "2023-03-29T12:29:04Z")
Hey Dennis! In the app you are able to adjust the dates for your budgeting period and can select variable monthly date to set it according to your pay schedule. Hope that helps! ---
**Author:** ![gabe.saunders](https://avatars.discourse-cdn.com/v4/letter/g/ed8c4c/32.png) [@gabe.saunders](https://community.emma-app.com/u/gabe.saunders)\ **Post date:** [March 29, 2023, 2:53pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/113 "2023-03-29T14:53:21Z")
Hi, I would love for offline accounts to allow for an import, I love my apple card and can get each monthly statement as a .csv, and would love to import those transactions easily. I know it’s on plaid and apple to get this done via API so I think this would be a useful workaround. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [March 29, 2023, 3:50pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/114 "2023-03-29T15:50:22Z")
This is something we have looked at and might happen. I have recently seen a competitor allowing CSV imports from another competitor app (Mint). It shouldn’t be that difficult in theory, if all the columns are matching our format, but still requires some work of reconciliations with the active bank login if there is any. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [March 30, 2023, 7:37am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/115 "2023-03-30T07:37:32Z")
The fraud detection widget on the feed indicates the date of the last scan and the number of breaches. I think it would be more useful for the widget to indicate the date of the last breach. ---
**Author:** ![ainsley.bilton](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ainsley.bilton/32/2172_2.png) [@ainsley.bilton](https://community.emma-app.com/u/ainsley.bilton)\ **Post date:** [March 30, 2023, 11:40am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/116 "2023-03-30T11:40:58Z")
That’s a great suggestion we’ll look into that! ---
**Author:** ![grant.m](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/grant.m/32/2415_2.png) [@grant.m](https://community.emma-app.com/u/grant.m)\ **Post date:** [March 30, 2023, 2:29pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/117 "2023-03-30T14:29:32Z")
> [@edoardomoreni](#): > > **Transactions** > > - Remove excluded from “All transactions” Any update available? ---
**Author:** ![margarito](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/margarito/32/2159_2.png) [@margarito](https://community.emma-app.com/u/margarito)\ **Post date:** [April 8, 2023, 4:10am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/118 "2023-04-08T04:10:58Z")
Analytics and budgeting in one tab ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [April 8, 2023, 9:08am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/119 "2023-04-08T09:08:20Z")
> [@o99](#): > > However, you don’t seem to be able to change the type for api-connected-credit-card accounts. Perhaps this is an oversight as it would definitely be helpful to be able to change to Loan type. To add to this - in addition to being able to change credit accounts to other types, I think it would also be helpful to be able to change other account types to credit accounts. The reason I say this is I use a savings pot as a temporary place to hold money which will ultimately be used to pay credit card bills. From a budgeting perspective, I’d find it very useful to see that savings pot in the credit card account list in Emma so it offsets the combined credit card balance. ---
**Author:** ![dsm83](https://avatars.discourse-cdn.com/v4/letter/d/df705f/32.png) [@dsm83](https://community.emma-app.com/u/dsm83)\ **Post date:** [April 14, 2023, 10:52pm UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/120 "2023-04-14T22:52:01Z")
Bit late to the thread but just wanted to +1 for forecasting! Hopefully this means being able to see 12 months into future and tell Emma predictions on things like wage income for future months etc… then I can finally ditch my excel. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [April 15, 2023, 9:25am UTC](https://community.emma-app.com/t/what-important-features-are-we-missing/6046/121 "2023-04-15T09:25:12Z")
> [@edoardomoreni](#): > > Desktop / web / iPad / Mac Will the web version include the cashback feature? At moment I don’t look at Emma cashback at all because I prefer to do my online shopping from my PC rather than my phone (so only really tend to check cashback providers that have a website). But if the web version has the cashback feature I’d probably more inclined to use/try Emma cashback. [Previous page](https://community.emma-app.com/t/what-important-features-are-we-missing/6046.md?page=5) [Next page](https://community.emma-app.com/t/what-important-features-are-we-missing/6046.md?page=7)