How much control do you want from a budgeting app?

One thing I’ve thought about a lot while building LumaFlow is how much control a financial app should give the user.

Some apps try to automate almost everything for you. Others make you manually manage every category, transaction, and budget decision.

I’ve leaned toward giving users more control — things like reviewing transactions, managing categories, setting budgets, adjusting savings goals, and deciding how their financial picture should be organized — while still using automation where it actually makes life easier.

So I’m curious:

How much control do you want from a budgeting app?

Do you prefer:

mostly automatic, with very little setup

automatic suggestions that you can review and change

full control over categories, budgets, and transactions

some combination of the above

And is there anything you never want a financial app deciding for you automatically?

I’d love to hear where people draw that line between convenience and control.