Separate Planned Spend rollover buckets from non-rollover buckets

DannyB
DannyB Member ✭✭✭✭
edited December 2025 in Feature Requests

I would like to see a total of my accumulated rollover amounts in Planned Spend that is in some way related to the total available cash in my cash accounts. I'm trying to think of a way to keep track of how much of the cash in my cash accounts belongs to the rollover amounts showing in Planned Spend. Or, to put it another way, is the available cash in my cash accounts equal to or (preferably) greater than the total accumulated amount of my rollover categories.

For instance, let's say that I have $28,700 in my cash accounts (checking and savings). Let's also say that I have $12,640 that is set aside in my Planned Spend rollover categories and another $9,300 set aside in Savings Goals. Therefore, my designated cash = $21,940. $28,700 is greater than $21,940 so I'm good.

I don't have any real suggestions for how to make this work but having a total of the accumulated rollover categories available would be helpful. Perhaps one way to do this would be to create a separate section for rollover categories within Planned Spend along the lines that Bills, Subscriptions and Transfers & Credit Card Payments are separated in Bills.

What do you think?

Danny
Simplifi user since 01/22
”Budget: a mathematical confirmation of your suspicions.” ~A.A. Latimer
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  • Jenny T
    Jenny T Member ✭✭✭

    I don’t have a good solution for this either, but will note that this is part of the reason I am still using savings goals for expenses that planned spending might work better for otherwise. In a perfect world, you’re always under budget/spend within your spending plan so you should have that money available. But that is not reality for everyone and there’s no easy way to make sure you actually have the cash still available. Yes, you can spend money designated to a savings goal too but the system reflects that as a negative available balance without additional calculations.

    Maybe if you could designate a primary account for each planned spend, the calculation could be included with or added to the account list like savings goals to show the net available balance. For me, I would rather choose a funding account than use the combined checking/savings as I wouldn’t want my savings included in available if I don’t intend to dip into savings for that expense. I’m not sure what id expect to see within spending plan, but it might have value to be a separate section or filter to see the rollover balances quickly as well.

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