@kevinwholland I was somewhat confused at first as well, but I think I have a good handle now after spending some time fixing the formulas. Here is my understanding of each value.
- Net Budgets: This is a simple balance of your budgeted income minus your budgeted expenses. If this is $0, you have allocated every dollar of income to expenses or savings goals. A positive value means you still have income to allocate, and a negative value means you have budgeted more expenses than you expect to earn. I believe this is how the
Rollovervalue previously behaved. - Net Actuals, All: This is the net sum of all transactions on the
Transactionssheet for the specified period, including income, expense, and transfer types. This is similar toCash Flowon theMonthly Budgetsheet. - Net Actuals, Savings: This is similar to the value above, but only categories marked as
Savingsin theTrackcolumn of theCategoriessheet are summed. - Offset: This is a more resilient version of what was previously called
Rollover. As @randy explains it:
There are basically 3 categories of transactions that need to be handled differently to keep a budget true:
- Budgeted transactions with rollovers turned on
- Budgeted transactions with rollovers turned off
- Unbudgeted transactions (e.g. transfers, uncategorized or no-longer-used categories)
The Offset formula is Net Budgets - Net Actuals, Savings + Net Actuals, All. $0 means you have no errors in your budget. A positive value represents unallocated, but available savings. All spending from non “savings” categories removes from this bucket. All income adds to this bucket. Phantom savings show as a negative [Offset] and is always an error. I.e. you’ve “saved” more than you actually have (Thank you, @matta, for the excellent phrasing).
I hope that helps!