almost none such tools touch the problem of future planning or projection. it's kind of strange but perhaps it reflects culture. nothing beats making your own spreadsheets.
What kind of future projection are you looking for? My main issue is not all months are the same, sometimes I might spend way more in a given month for a given category (perhaps a one-off purchase like new furniture) that I don't aim to replicate for the next month, so how would the projection work in that case?
You create buffer categories that you slowly fill up over time and use for these one-offs. YNAB calls it "rolling with the punches". Most categories are predictable month to month, and the ones that aren't or are one offs you budget separately for.
Yeah that's essentially what I do, or have a yearly budget for things like furniture rather than a monthly one. I just wish it was more standardized in many apps.
