Feature Requests & Bugs

Love this app. I would like to see a new tab where I can view a pie chart of target spending for future months. Reflecting on past spending is great, but I would like to be able to view graphically where my money is going to go next month based on recurring targets I have configured. This helps me understand “what it costs to be me.”

As discussed in Discord, create a series of videos highlighting Lumy features, how they might be used, etc. A couple ideas to start: Intro video: Why I created Lumy in the first place, what Lumy aims to be Lumy overview: A very brief touch on all features without diving into any one in particular A series of feature videos, diving deeper into each feature Note: Before doing this, I probably need to come up with a solution for creating a dummy budget, i.e a budget with real transaction/account data that is not my own, since demonstrating with an account with much data would not be helpful.

I would like to see the current month excluded from averages and trend lines. The problem being that the current month is not complete and as a result it skews the results, especially near the beginning of the month when the expenses have not been fully spent for the month. When I am looking at the past 6 months for example, the current month in many cases has zero spending because I haven't spent out of that category yet. As a result, the trend line shows a downward trend when the reality it may be flat or upward for the period. In addition, because there's zero spending for the current month the average is lower than it should be over the time period.

Today, there are two sets of data that a user utilizes: YNAB data Lumy data The first is "synced" by virtue of being on YNAB's servers. The second is never synced and remains local to the user's device. This includes: Frugal month data Spend trackers Category views Settings This data is lost if the app is uninstalled, but can be exported and imported on a new device. Note that as of 5/19/24 frugal months and app settings are not exported. While this was initially a security precaution (Lumy was designed to be local-only), some have found it confusing as the general expectation is that our account data follows us across devices. We should allow device sync (should it be the default?) by virtue of a proper backend. Note that this would require users to have a Lumy account (which would likely be tied to their YNAB account id).

Shows a summary of this year's data at the end of each year. Includes: Income/Expense Trends (compare to previous year) Net worth difference start to end of year Top spend categories? Top frequency of spend categories?

It would be nice to have a budget vs actual chart where you can filter what to compare - by category group, tag, etc. The Targets Health report somewhat shows this information but seeing it in a graphical bar chart format would be easier to consume.

Add the ability to compare data between distinct ranges (e.g 2024 v 2022, or Jan 2024 and December 2021) or between time periods within a range (e.g Q1 v Q2 v Q3 v Q4 in 2024, or months in 2024-2025). Limitations: Potential limit on how many periods you can compare (need a unique color for each period) Will probably be limited to months (i.e not days or weeks) User 1: "I've always wanted a chart that lets you set time periods to compare against each other for a specific query, like spending on a certain category. For example I would love to have a glance able view of if I'm improving on my goal of "spending less on dining out", and seeing a graph that shows my current month vs the other 12 months prior would be really useful, all shown as separate lines. Or you could set 3 month periods to see the "quarterly" comparison over a year. Or set a "yearly" comparison vs the last 4 years." Message here . User 2: "I'm thinking something as simple as a "comparison" mode that affects all charts would be good enough to get it done. Turn on comparison mode, select the time period you want (weekly, monthly, yearly, etc) and it modifies all the charts into that comparison mode. I've been wanting this type of thing for a while as well, just couldn't think of a way to articulate it, <@user> was spot on. My main use case would be that I like to see 3 months at a time, but would love to be able to compare that to the previous 3 months or past year." Message here User 3: "One thing that comes to mind for me... I've got multiple years worth of data in YNAB. Would love to see the years "overlayable". Meaning I could easily see how much I earned/spent March 2024 vs March 2023 vs March 2022 etc. I've always wanted this data overlayed to be able to compare years. But without taking it excel, I've never seen a toolkit or otherwise that provides it" (private channel)

The goals tab will be the new home to tracking long-term progress in YNAB. Not for day-to-day decision making, not for weekly nor monthly budgeting. Think long-term like: I want to retire early and live abroad I want to save 6 months of emergency fund I want to save for my very expensive anniversary vacation I need to pay off my $50K of credit card and personal loan debts I want to pay off my new mortgage in 15 years instead of 25 years. These are a sample of the challenges and dreams many YNABers have. Solutions: Offer a common place to track these important and big goals: the “Goals” tab. New shiny and addictive features that make it hard to resist giving dollars to these “goals” categories and offer clarity about progress and possibility. What kind of features can be put here are TBD but we can start with summary metrics such as in current General Income & Expenses. I want to see how much was assigned and available and how much increase since last month. Then clicking into a summary metric card can open up some details (percentage progress, history of contributions, time series chart that shows rate of progress. Forecast to when it can be reached or target date / required contributions if specified. Currently, Lumy has nice features such as Spend Trackers and Net worth but they do not solve the above needs. Spend trackers is for budgeting and Net worth is vanity metric that is not attached to any specific job other than a generic “Savings” goal. For reference: Undebt.it is a perfect example of web app that serves similar tracking purpose for long term except its sole job is to pay off all debt. Brandon's edits below A user here mentioned the idea of "negative goals", where you are aiming to spend less than a specified amount over some period of time. We would want to allow for a custom amount and duration and would want to show pacing bars or similar so users can adjust their spending to be on pace to meet their goal.

The ability to track the balances of accounts, especially off-budget ones. Notes: To reduce clutter, do we need to limit the # of accounts you can show at once?

Id like to filter the list of categories that are displayed on the burndown chart. As an example, I don't need to see my mortgage because it's a fixed monthly bill, but i do want to see gas, food, eating out because they vary from month to month. Can this chart be set up to use a category view?