Step 1
Read Savings rate
- Read Savings rate
- Rates and averages are calculations
- Projection is not recorded spending
Savings rate is Income minus Expenses, divided by Income.
It is not a deposit into a savings category.
With no ordinary income, Pennie shows zero rather than dividing by zero.
Step 2
Read Average daily spend
- Read Average daily spend
- Rates and averages are calculations
- Projection is not recorded spending
A completed September uses thirty calendar days.
Average daily spend divides recorded expense across those days.
It is not a daily bank balance.
Step 3
Understand Projected expense
- Understand Projected expense
- Rates and averages are calculations
- Projection is not recorded spending
For the current month, the calculation uses days elapsed.
Projected expense extends that spending pace across the month.
It is a forecast, not money already spent.
Step 4
Compare like periods
- Compare like periods
- Rates and averages are calculations
- Projection is not recorded spending
For a completed month, projected expense equals recorded expense.
This export was calculated on October fourth using the service's host calendar.
The native Budget sample clock is separately fixed in September.