This was a while ago, but I was also trying to find a more detailed explanation, but I couldn’t find much. I used ChatGPT to get its take on it, shared below. However, the numbers still never added up for me. I think the problem is that the data that feeds this section does not filter out “hidden” categories, and so the metrics were pulling in Transfers, skewing the Actuals.
The “Budget Health” section in Tiller’s Savings Budget template provides a comprehensive overview of your financial performance, comparing your budgeted amounts against actual transactions to assess your financial health. Let’s break down each component:
Overall Summary
Offset, All Periods: This represents the cumulative difference between your total income and total expenses across all periods. A negative value indicates that expenses have exceeded income over time.
Offset, Dec 2025: This shows the net difference between income and expenses specifically for December 2025. Similar to the overall offset, a negative value suggests higher expenses than income for that month.
Detailed Breakdown
Period: Jan 2025 through Dec 2025
Budget, Expense: The total amount you planned to spend during this period.
Budget, Income: The total income you anticipated receiving in this period.
Net Budgets: Calculated as Budget, Income minus Budget, Expense. A negative value indicates that your planned expenses exceed your planned income.
Net Actuals, All: The actual net amount, calculated as total actual income minus total actual expenses for the period. A negative value here indicates that actual expenses exceeded actual income.
Net Actuals, Savings: This reflects the net amount allocated to savings categories. A positive value indicates contributions to savings, while a negative value would indicate withdrawals.
Offset, All Periods: Reiterates the cumulative net difference between income and expenses across all periods up to and including the current period.
Month: December 2025 Only
Budget, Expense: The total expenses you planned for December 2025.
Budget, Income: The total income you expected in December 2025.
Net Budgets: The difference between your budgeted income and budgeted expenses for December 2025.
Actuals, Expense: The actual amount spent in December 2025.
Actuals, Income: The actual income received in December 2025.
Net Actuals, All: The net actual income minus actual expenses for December 2025.
Savings, Expense: Total actual expenses categorized under savings for December 2025.
Savings, Income: Total actual income allocated to savings categories for December 2025.
Net Actuals, Savings: The net amount added to or withdrawn from savings in December 2025.
Offset, Dec 2025: The net difference between income and expenses specifically for December 2025.
By analyzing these metrics, you can assess how well you’re adhering to your budget, understand your spending and saving patterns, and make informed decisions to improve your financial health.
