I can't see how the current budget feature helps anyone who likes to plan out a yearly budget with some expenses such as vacations, gifts, etc that are periodic expenses not monthly expense. Having a yearly budget and allowing unused money rollover is key.

The ability to set monthly budgets that left over money can roll over into other months. This can help with saving for quarterly payments without looking like going way over budget when you make them, or spending money from that budget before the time comes. For us this example would be for vet appointments, insurance, oil changes. This could also have a feature that if I needed to make big payments for home repairs or emergencies, it would remove money from the upcoming months’ budget in those categories as a way to keep from overspending for the year, and keep savings on track when big expenses inevitably occur.

I've been using Rocket Money for a few months and am disappointed to find out from your customer support today that you do not automatically roll over or accumulate surpluses from month to month for each of my budget line items. I can see it tracks my surplus (how much I'm under) for one particular month of that line item, but that I'd need to manually track these to see where I'm at for the year. This is a deal breaker for me and I'll be finding a new app unfortunately. My main reason for budgeting is to save up money for vacations, purchasing a car, etc. as well as seeing how much is available for a big car repair or back-to-school clothes shopping, so the automatic roll-over of adding up a surplus (or showing a deficit) is essential for me. This is one of the basics of Dave Ramsey's cash envelope system, which is what we're trying to replicate the concept of, but with an app.

I want to rollover unspent money in the budget to the next month. This is very important to me. If I don't have this, I don't expect to continue this subscription.

This is a make or break issue. I am considering other budget programs.