I’ve been experiencing issues with Revolut misnaming transactions and then passing the error to Emma. It’s things like ‘Just Eat’ being listed as a ‘Vodafone’ payment. 
It’s not a major issue, but I understand what the commenter above is suggesting. It would be great to have a protocol in place for periodically refreshing merchant data from names to logos. This would also apply to faster payment renaming. If a user inputs the recipient’s name and it syncs with Emma, it would enhance the user experience because someone may have received those bank details under a different alias.
THIS IS AMAZING
(ahem, sorry - got carried away there).
ust one plea for excluded categories - some, like saving, I would want to track in analytics, just not as spending. But this remains amazing.
This and forecasting will make a massive difference. 
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A few things it’d be fab to have:
- Tracking market-listed assets, I’ve been playing around with NetWealth. Whilst not at all a competitor, it does have an interesting function: you can tell it your stocks and shares (or Vanguard ETFs) and it’ll track their value and give you a nice breakdown of the split of wealth over different asset classes. It would be great to be able to enter the shares I have in Freetrade and my holdings with Vanguard and for Emma to automagically update their values.
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An analytics screen that gave me the breakdown of my assets split between individual stocks, ETFs, crowdfunding (Emma shares, obvs), cash savings etc; then what’s in an ISA and what’s not etc. Ideally, it’d be good to benchmark those to show how you can reduce tax on say, savings income (e.g. by splitting between normal savings accounts, ISAs and premium bonds etc) but that’s probably coming too close to advice territory.
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Future transactions. Let me tell Emma about future transactions so that the forecasting is always perfect!
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Yes but only in the All Transactions view. Could really do with this in analytics and/or search. I can see you’ve answered another comment of mine on the road map post, to say this is coming soon though, which is great 
For this, we have “assets” in net worth and similar analytics in our investment product, but can be both improved.
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Still fairly new to the app and community, and couldn’t read all 305 posts, so apologies if this has already been mentioned, but I’d like to see more analytics based on tax year (I guess ideally where you can set your own tax year date to make it internationally flexible and also help business accounts). I’m starting to do my own tax returns and am setting up relevant categories and tags to track my interest income, etc. This is all fine, until I come to search totals back to the beginning of the tax period and there doesn’t seem to be a feature to go back to a specific date, just general periods. Aligned to this, I suppose a way to create your own custom dashboards would be great, for those with more bespoke requirements.
Hi,
I would have one suggestion I know it would help me in my day to day budgeting. Since myself and my partner are paying for stuff together most of the time, the payment groups are a really good feature where you’re able to track how much someone owes you.
However, this kinda messes up with the budget, since although the transactions are “split” 50-50, the budget counts for 100% of the purchase (which I guess makes sense since the payment was done from a single account). The workaround would be - once I get some of the money owed, I split that transaction into several transactions. The problem is it’s just too much work to take into consideration dates, categories, etc.
Would it be possible for the budget to also be updated based on the split from the payment group? I’m thinking some sort of flag that can be enabled in the settings (similar to rolling budgets).
Also, when splitting the payments, it automatically splits it 50-50. A feature to allow custom percentages or values would be really helpful as well.
Hope this makes sense. I’m more than happy to elaborate further.
Thank you!
The challenge here is to create the transactions your partner split with you in your budget. These would all be manual transactions created on your account. There are also challenges in terms of what if you are not budgeting - we’d be creating extra offline transactions that need to be categorised/understood and referenced. It can get very messy if we try to unify budgets with groups.
I feel like if you want to have a very detailed tracking, splitting individual transactions and adding notes, is the way. Split transactions was created for budgeting, while Groups was for a different use case.
With this said, there are also other ways this could be solved:
- Just tracking income vs spending and using Emma’s offsetting capabilities
- Using a joint account
In the past, I have seen some users trying to track partner spend with tags or custom categories too.
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It would be great to be able to ‘bookmark’ where you had got to with categorising transactions, or tag the transactions you’d already looked at. Apologies if I’ve missed a way to do this, I had a search through the forum and couldn’t see it.
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No way to do it atm, but i agree a way to know where u got to. Im fairly on top of stuff but nice to have a way to keep tabs
Not every retail investor wants to buy individual stocks especially to have a diversified portfolio - please include funds in the investment options.
Plum has technical issues so I haven’t jumped ship yet but this is the main thing I wanted to be able to use my app for.
Thanks for the suggestion! What funds would you like to see?
Mutual Funds (Stock, Index, Bond, Balanced, Money Market, Global) and ETFs
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I agree, ETF & Index funds
How important is an ISA for you guys?
It’s up there (so long as it is a challenging rate).
I think, like everything, can’t be just “challenging”, needs to be the best, better than all the others together, period. We’re paying for a service so we can track all our bank accounts so I’m guessing that everyone here is playing the “money” game to their best extent. If we wanted to have subpar ISA/Savings/Wathever, we would never paid for emma and just go with our default highstreet bank for everything. At least that’s how I see it.
Personally that’s one of the reasons why I don’t like or feel attracted to the savings pots offered by Emma. Actually it annoys me more than anything else as is just visual clutter to me in the app.
P.S: Sorry for sounding so harsh 
Please add a setting which allows pending transactions to be included in budgets because sometimes it takes a few days for budgets to update as pending transactions go through. This makes it more difficult to track spending on a day to day basis.
The challenge here is that pending transactions can’t be edited and the category could be wrong. 
But if it’s a settings change then someone who’s bothered by the category being wrong can exclude pending transactions. For someone like me who just wants to track their overall spending, categories don’t matter so much and I could turn the setting on.
Sorry if I’ve misunderstood you.