[parkersweb]

I like that idea in concept - I’ve often felt similarly about budgeting apps. Many of them feel targeted either at low income / high debt people (who need strict control to manage their way out), or at people who have a strong interest in optimising their finances.

I’m trying to find a middle ground though I think. I’m not strongly acquisitive - but want to be sensible about my finances. There needs to be a purpose to tracking and allocating - so I’d want intelligent prompting (e.g “you could easily move £x to a higher rate account each month and maintain a balance that will meet your outgoings”), as well as answering my own queries. I’ve seen that promise in other products - but it’s nearly always in a free product that uses those prompts to sell you financial products. I’d personally much rather pay for impartiality.

[GeoSoft]

Thanks for the nuanced reply!

To my mind, the main purpose of the tracking is to quickly answer the question "am I overspending". I can definitely see that quickly extending to "what do I do with my money" though.

The point about impartiality definitely resonates - this was always something I found distasteful when Mint was still around (RIP).