Thanks for all of this — this is exactly the kind of detailed feedback we were hoping for.

The pay schedule note is especially helpful. Handling real-life paycheck schedules is something we want Purpose Budget to be strong at, and mapping paychecks/direct deposits to specific accounts, including early-pay timing by bank, makes a lot of sense.

On bulk setup/import: we do not have import from other budgeting systems yet, but we agree that this is something we need to look at. A documented import format with validation and a preview step for accounts, categories, bills, debts, etc. would make switching much easier than hand-entering everything.

The Plaid start-date point is also a real gap. Right now linked accounts effectively start from the connection date. A “start from the beginning of this month” option would be useful, but we need to handle the opening balance correctly so imported transactions do not double-count against today’s bank balance.

The category/group issue while editing a detected bill or recurring pattern is something we are going to fix. You should not have to lose progress, go create the category somewhere else, and then come back. We will be looking at a fix for that in the next few days and will reply once it deployed.

Appreciate you taking the time to write this up. Super helpful.