Mark transactions as cleared (or some other term. charged? confirmed?)
Reconcile accounts
Payees?
Validity check for transactions
Handle entering positive or negative numbers automatically with brief hint (i.e. I enter +1800€ in expenses, should move to income and highlight?)
Option on an account to have it automatically clear new transactions (e.g. for cash)
Split transactions
Merge transactions
Extract from split transaction (create new transaction out of sub-transaction), also for entire groups
Define recurring expenses with granular intervals (every n [days | weeks | months | years]; starting at X)
If I enter a new recurring expense/transaction that starts in the past, automatically add the corresponding transactions but highlight them
Allow for even more control (e.g. "every month for the first 8 months in a year"; "every month until ...")
Move all past, uncleared transactions to new date
Allow to define historic transactions (i.e. transactions before the account was added to the application, i.e. where the initial balance was defined)
Should/must not have an effect on budgeting
Available for reporting
Handle debt and repayment
Tag transactions (custom tags); Show tags
Budget:
Search in budget
Calculate not yet budgeted amount
Allow to adjust budgeting period?
Show recurring expenses in budget of next months/cycles
Saving goals
Hints
Saving goals
recurring expenses
average spending
Save templates, default budget, copy budget values
Save notes in category and in budget for each month and category
Sort categories
Carry negative budget over to next month
Merge categories
Reports:
Net wealth
Import:
Transactions from CSV
Remember mappings
Remember column order (offer previously used order of columns and try to autodetect)
YNAB data
Export:
Transactions
Budget
Everything?
Security:
Optional encryption (AES 256?)
Optional encryption for sync
Optional allow to save password in local settings file
obviously, hash and encrypt that (decryption key for that should be considered well known, i.e. possible attack surface!)
Desktop
Mac version
GTK#? version (Linux)
Mobile:
Android version
iOS version
Simple variant: enter expenses, sync, check budget
Tablet version (nice to have, gold plating) (iOS, Android)
Windows Phone version?
unclear
Tracking of money that is not available for spending except for a very specific purpose/category (i.e. taxes)
Reason: save money for taxes every ear, get final statement later, difference in saved and final statement must either be taken from somewhere (if final > saved/spent), or is free to be removed (final < saved/spent).
This also works for saving towards stuff with a fuzzy final cost.
You might even pay for it in increments over the year (e.g. taxes: every quarter a quarter of the rough estimate)