PRIVATE, BROWSER-ONLY WORKSHEET · Personal Money
Budget Category Cap Checker
Compare spending with caps across budget categories, find each signed balance, and total only the categories that exceeded their limits.
Food at 325.00 against 300.00 is 25.00 over. Transport at 85.00 against 100.00 is 15.00 under. Total capped-category overspend is 25.00.
Set up the calculation
Enter amounts in one currency, or load the worked example. Your entries stay in this browser.
Your result
Total category overspend
UNDERSTAND THE RESULT
How to use the Budget Category Cap Checker
Use this at the end of a budget period to see which individual category caps were crossed, even if the overall budget remains positive.
What to enter
Add one unique category, cap, and actual spent amount per line. Use a single period and currency for all categories so comparisons make sense.
Worked example
Food at 325.00 against 300.00 is 25.00 over. Transport at 85.00 against 100.00 is 15.00 under. Total capped-category overspend is 25.00.
How to read the result
The final column is signed room under each cap. The summary only adds overspent amounts, helping you identify categories that need review.
Method
For each row subtract spent from cap. Add the positive overspend of each category separately; do not cancel it with unused room in another category.
What to check
Categories are user defined and can overlap if you enter the same purchase twice. The worksheet does not import transactions or decide where spending belongs.
Avoid this mistake
Netting an underspent category against an overspent one hides the category that crossed its own cap.
Calculations run locally in your browser. No entered values are sent to the Nirmion API.
Questions to check
Can a cap be zero?
Yes. Any positive spending then counts as overspend for that category.
Why are underspent amounts excluded from the summary?
The summary measures cap breaches, while each row still shows its own unused room.
Will this change my budget?
No. It is a local review of the numbers you entered.