PRIVATE, BROWSER-ONLY WORKSHEET · Personal Money
Budget Category Overspend Sequence
Trace a category spending cap through ordered transactions and identify the first entry that pushes its running balance below zero.
A 100.00 cap with 45.00 groceries, 10.00 coffee, and 50.00 dinner ends 5.00 over at the third entry.
Set up the calculation
Enter amounts in one currency, or load the worked example. Your entries stay in this browser.
Your result
Final category balance
UNDERSTAND THE RESULT
How to use the Budget Category Overspend Sequence
Use this while reviewing a category to see exactly which purchase crossed its planned limit, rather than only seeing the final overage.
What to enter
Add the category cap and one description,amount transaction per line in chronological order. Keep each entry in the same currency and period.
Worked example
A 100.00 cap with 45.00 groceries, 10.00 coffee, and 50.00 dinner ends 5.00 over at the third entry.
How to read the result
Scan the remaining column for its first negative value. That row is the first entered transaction that puts this category over its cap.
Method
Begin with the entered cap and subtract each transaction amount in the order supplied, recording the signed remaining balance after each row.
What to check
Order is supplied by you. The worksheet does not validate transaction dates, merge refunds, detect duplicates, or import account activity.
Avoid this mistake
Entering purchases out of order changes the apparent first overspend even though the final balance stays the same.
Calculations run locally in your browser. No entered values are sent to the Nirmion API.
Questions to check
Can I include refunds?
This version accepts nonnegative spending only; adjust the source totals before entering them.
Can names repeat?
Yes. Separate transactions can have the same description.
Is the cap enforced?
No. The tool reports balances and never blocks a purchase.