Rollover budget feature

Rollovers let you carry a leftover amount in an expense budget category into the next month. This can be helpful if you don't know the exact amount you plan to spend in a category such as restaurants, groceries, or entertainment. Or it can also help with seasonal categories where you spend very little in some months and large amounts in others such as clothing, holiday gifts, or kids summer camp. It can even be used to create yearly budgets by dividing a yearly target budget by 12 with rollovers turned on.

Turning rollovers on or off

There are two places you can turn rollovers on or off. The first is from the Plan Budget page by clicking the "gear" icon that appears when you hover over a category in the web app:

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The same option is available in the mobile app from the 3 dots on the top right of a category:

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The second place it can be turned on or off is in the Settings on the Categories page in the web app:

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How a rollover is calculated

The rollover amount is simply the remaining amount in a category. Remaining amounts are shown for all categories (with or without rollovers on). The difference is with rollovers the remaining amount is included in the calculation for the budget in the next month.

 

Rollover (last month) + Planned (this month) - Actual (this month)
= Remaining Rollover (next month)

 

In this example, the rollover from last month was $-22 (meaning it was over budget by $22) + $1,430 Planned - $629 Actual which equals $779 to rollover.

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Rollovers can continue on for many months so each month only shows the rollover amount from the month before it. The "cycle" icon in the green or red pill on the remaining amount indicates if a rollover amount was used in the calculation. Any months where rollovers aren't turned on (or categories that don't use rollovers at all) will not show this "cycle" icon.

Multiple rollovers

All expense categories are totaled up and shown in a red bar with the actuals on the left ($11,758) and planned on the right ($11,197).

When rollovers are turned on the planned expenses on the right side of this red bar will include all the rollover amounts from the last month. You can see if the calculation includes rollovers when it has a "cycle" icon next to it similar to individual categories.

In this example, the total of all rollovers from the last month was $32 (meaning it was under budget by $32). The amount of $32 is a total so there may have been a rollover category that was over budget by -$50 and a different rollover category that was under budget by $82 which together equals $32.

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Starting balance on a rollover

If you want to start your rollover category with more than your current monthly budget the best way to do that is to go back to a previous starting month. Enter the dollar amount from your account balance or however much you want to "start" that rollover with. It will carry forward into your current month so you are starting with a larger amount that accumulates with your budget amount each month:

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