Feb 13

Overspend impact on budget

First of all congrats for the app, I’m considering to drop the current app I use ( buddy ) to yours. I do miss one thing that most apps don’t have and I think would easily added to your . Attachment as example:I’ve assigned a total of $1,500 across 3 categories.In this example, I overspent the Groceries category by $50. Currently, the app shows: Available: $1,500 – $250 = $1,250 Groceries: turned red due to the $50 overspend Here’s what I’d like to see:If I stayed within budget, the remaining balance at the end of the month would be $0. But because I overspent in one category, the total balance at month-end will be negative once the remaining category expenses are paid. It would be helpful to add a second row under totals called “Impact”, showing the projected negative balance if overspending occurs in some categories. For this example, it would look like: Assigned: $1,500 Available: $1,250 Impact: -$50 This would let me quickly see how overspending in one category affects my total budget at the end of the month.Thanks and hope this is something simple to implement, can’t wait to shift to your app!

Reviewing

Feb 13, 2026

Thanks! Happy to have you here 👋 If I understand you correctly, a new row somewhere at the bottom that shows how much negative you are for your categories all combined? So if you were -⁠$50 on Groceries and -⁠$25 on Dining Out, it would show -⁠$75 somewhere? My first thought is you should never have a negative amount here. You need to fix it immediately. If you think about the envelope budget method, you cannot spend money that you don't have. This scenario is only possible because it is virtual money so you can go negative. If you bring this into the physical world, it is not possible that you have -⁠$50 in your Groceries envelope (universe would break 😎). So, you need to fix this asap by taking money from a different category. Your suggestion feels like it would incentivize users to leave their categories in the negative for long periods of time. Do you feel that way? Are you trying to solve a problem that would lead you to leave these categories negative for longer than one day?

Feb 13, 2026

I totally agree with the envelope logic but... unexpected charges might happen and yet, I still need to pay my budget debts for the reaming of the month, maybe I can cut some expenses ( for example on some other non critical categories but not always ). So in this case I would take those extra 75 from savings, and next month I would have a new category called "debt" where I would add those 75 to put it back in savings. But I understand what you say ant that you might want to keep the app logic as a true envelope budget method. I usually do this on the app I currently use ( Buddy ) whenever I failed to predict some expense I was not counting on. This is my kind of personal addiction... Each month I make my budgets and evaluate how well I'm doing those, If by the end of the month the outcome is remains zero, I did well, if not, I need to fix it, this also pushes me on be more preventive and know what expenses I will need to pay in upcoming months. thanks for the quick answer!!

Feb 14, 2026

Maybe a middle ground we can explore is making it easy to see how many categories were overspent and covered. For example, you overspend your $50 target by $25, but then you fix it by assigning $25 from another category. Currently, you can't tell which categories have this scenario. But it would be good to be able to see a number somewhere that represents the amount you overspent AND covered for your categories.

Feb 17, 2026

Don’t think it would solve my use case, but what you think of having one more section underneath the monthly summary ? Actually, since this component expands you can have all sort of things there. So the same way there’s the target progress -> X% We could have the same component with : 1500 projected 1650 current ( budget + overspend ) -⁠150 projected This will tell me how much I budgeted, how much I end up spending, what’s the impact at the end of the month of my overspending. Maybe also add in the app definitions a check box to show or hide this component if users don’t want to see this info. Thanks,