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[Neobank] Improve budgeting tools for users

A user is seeking advice on budgeting and managing their finances. They suggest that neobanks could enhance their budgeting tools to help users track their spending and savings more effectively.

Original Source

@u/jazzwormy | 1 pts | 3/15/2026

Avg monthly income = $3300 USD Avg monthly spend over \~12 months for my majority spend: \-Bills & Utilities: $1000 \-Groceries: $200 (Actually lower but I want wiggle room) \-Gas: $40 \-Eating out: $100 (Also actually lower but I want flexibility) \-Pets: $40 \-Laundry: $20 Savings goals: \-Roth IRA: $500 \-HYSA: $1000 (until I have a healthier emergency fund, then will invest less in HYSA and more in retirement) Edit: My single subscription (Hulu) and my car insurance got grouped with my bills and utilities on accident but they ARE accounted for. I basically try not to purchase anything else at all regularly and emergency/non-monthly/special purchases come out of my savings. This would leave me with $400 per month of un-budgeted dollars that I can spend as desired. Am I missing something? I live with a partner and we split most household expenses 50/50 so this is just my portion. Sorry this is a block of text instead of a photo of my spreadsheet, I couldn’t figure out how to add an image. Thanks!

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