PRIVATE, BROWSER-ONLY WORKSHEET · Personal Money
Budget Rollover Planner
Carry an underspent or overspent category balance into the next period and see the resulting available amount alongside the new base allocation.
A 300.00 allocation with 275.00 spent carries 25.00. Adding a 300.00 new base gives 325.00 available next period.
Set up the calculation
Enter amounts in one currency, or load the worked example. Your entries stay in this browser.
Your result
Next-period available
UNDERSTAND THE RESULT
How to use the Budget Rollover Planner
Use this when a category has a real end-of-period balance and you want the next period to reflect it rather than reset automatically.
What to enter
Enter the previous period allocation, what was actually spent from it, and the newly planned base allocation. Keep periods consecutive and amounts in one currency.
Worked example
A 300.00 allocation with 275.00 spent carries 25.00. Adding a 300.00 new base gives 325.00 available next period.
How to read the result
A positive carry raises next-period room; overspending creates negative carry. A negative final result means the prior shortfall is larger than the new allocation.
Method
Prior allocation minus prior spending equals signed carry. Add that carry to the new base allocation to get next-period available funds.
What to check
This assumes your budget policy allows both positive and negative rollover. It does not move cash between accounts or enforce a floor at zero.
Avoid this mistake
Carrying over an accounting balance when the cash has already been spent elsewhere or your budgeting rules reset the category.
Calculations run locally in your browser. No entered values are sent to the Nirmion API.
Questions to check
Can overspending roll forward?
Yes. A negative carry reduces next-period available funds.
What if the result is negative?
The modeled shortfall exceeds the new allocation; review the category plan.
Does this transfer money?
No. It only calculates a planning amount.