Savings Budget workflow question - Budget health

Google Sheets
1

I have a question about the Savings Budget workflow.
I have my Budget Expenses and Budgeted Income perfectly zeroed out for January 2025. But my “Net actuals, all” is off by a lot. I can’t figure out why.

Best I can gather from previous threads is that since my credit card payments may not perfectly align with credit card charges during January, my actuals will always be incorrect.

I really want to get the little Budget Health bar smiling!

image

Any ideas on how to approach this differently would be appreciated!

2

From the formula in L14, it looks like “Net Actuals, All” is total transaction amounts within the range in the dark blue header. So, although your Net Budgets (Budget, Income - Budget, Expense) sum to zero, there are actuals that are creating favorability… possibly unbalanced transfers?

3

Thanks Randy. After a little digging I see it is coming from “Internal Transfers.” Even though I have marked that category as hidden in Categories. I do this because I (a) want my mortgage payment to show up only as a cost. Internally I have my mortgage linked (for use in other dashboards). Is the only solution to completely disconnect my mortgage from Tiller? Or is there a way to hide the “receiving” end of my mortgage payment from the Savings budget?

4

An easy fix would be to modify the IFS() formula in L14 to also filter out transfers… :man_shrugging:

1 Like
5

OK, yeah I might do that. Er… how would I do that exactly?

6

Make a backup, and try this:

=SUMIFS(
  INDIRECT("Transactions!" & BE31 & "2:" & BE31),
  INDIRECT("Transactions!" & BE29 & "2:" & BE29), ">=" & $BE$3,
  INDIRECT("Transactions!" & BE29 & "2:" & BE29), "<" & (EOMONTH($BE$2, 0) + 1),
  INDIRECT("Transactions!" & BE30 & "2:" & BE30), "<>" & "Internal Transfers"
)
7

No change unfortunately. The number stays the same.