What do you actually want from a budgeting app?

I’m building LumaFlow, and one of the biggest things I want to avoid is adding features just because they sound good on paper.

I’d rather know what people actually want and use.

If you use a budgeting or personal finance app now, what feature matters most to you?

It could be things like:

bill tracking

bank syncing

savings goals

debt payoff tools

spending trends

forecasting

subscription tracking

custom categories

monthly summaries

alerts and reminders

something completely different

And just as important: what do budgeting apps usually get wrong or make harder than they need to be?

I’m especially interested in the little things that make you either keep using an app or delete it after a week.

I’m actively building LumaFlow now, so feedback here could genuinely influence what gets prioritized next.