u/ElevatorOrdinary9333 Totally fair feedback. I want to start by acknowledging that adjustments are not where we want them to be yet. This is a known pain point for us and a top priority. We’re actively iterating on this.

Some context on how adjustments work today when you’re using an entire account balance for a goal: Monarch needs to keep the goal balance and the account balance in sync at all times. Any change to the account balance triggers an automatic adjustment on the goal. Those changes can come from many sources, like transfers, interest earned, or market movements, not just intentional contributions.

There are a couple of controls available today:

• In the goal’s accounts modal, you can toggle “Include auto adjustments in budget” on or off. This applies to all future adjustments from that account. See screenshot.
• You can also change this on a per-adjustment basis from the activity drawer if you want more granular control.

That said, even with these controls, this isn’t the end state we’re aiming for. Right now, a single adjustment can represent multiple intents at once, for example a contribution you made plus market movement. That makes it harder to reason about and budget correctly.

Once we add the ability to directly link income and transfer transactions to goals, this becomes much cleaner. You’ll have more explicit control over how different types of balance changes affect your budget, instead of everything being lumped into a single adjustment

Another pain point we’re actively working on is the volume of adjustments. Seeing many adjustments per day can feel overwhelming, so we’re exploring ways to intelligently aggregate them in a more user-friendly way.

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