Hi @hbwilliams22,
Not sure if you still need help here. Sorry I dropped the 
on that one.
I like where you’re going with this, hope it’s worked out (or will work out) and maybe you can share in an upcoming Winning Workflow we’ll be launching soon 
I don’t know if it helps, but the How to use the Spending Money budget spreadsheet is probably a good starter sheet to review the formulas for something like this. It basically calculates it this way I think. It’s also supposed to be set up to be more mobile friendly.