Ok, so I’m a bit late to the party but I wanted to throw in my two cents, as well as ask some questions.
First, I do find rollover adjustment useful, although I agree with previous commenters that “uncategorized transactions” and “total transfers that don’t net to 0” are data errors, rather than something that needs adjusting with a rollover adjustment. And “categories that are not set as savings categories” doesn’t really affect me since I have everything roll over, but I get that it’s an important issue for you to tackle. Also, it did take my a while to understand how it works so I’m glad you guys are spending time rethinking it. I’m really looking forward to being able to use the Foundation template, but rollover is a requirement for me.
Ok, so now on to my weird use case. My problem started when my wife left her job. While she was looking for a new one our budget exceeded our income, but that was ok since we have the savings to cover it. The question was how to account for that in Tiller (I’m open for other suggestions, this is just what I came up with). First, I have an expense account called “Savings” that carries a large rollover amount and a budget of 0. Basically, this just represents all the cash we have in the bank. Then at the start of each month I look at the rollover adjustment and transfer the appropriate amount from “Savings” rollover to rollover adjustment. That lets me see how the cash in our account is decreasing while still allowing for me to budget more than our income. And have all of the numbers make sense. The biggest downside is that this transfer isn’t particularly visible, and thus could be confusing to look back at.
And now my question, how do you think I should handle this type of situation in the new Savings Budget? I know it’s a specific case, but I think it would help me understand the new system. Also, maybe I’ve missed it but with the Savings Budget “Budget Health” that you added, is there a way to adjust it at all or is it just an indicator? I definitely like it though, and while it’s a bit tough to wrap my head around it all I appreciate all of the thought and streamlining you’ve done.