More Envelopes / Annual / with Due Date not calculating monthly requirement correctly

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  • Updated 3 years ago
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I like the annual type of envelopes with a due date set. I thought it would divide out the remaining money required for the remaining time required for each month. It seems to not be doing that. I have some categories that are stuck at the non-due date type where it just divides by 12 regardless of amount in the envelope. I have another that is just wrong on the math. It says like $6 per month for a $1,200 item. I just found out it has been doing this for the past 8 months, so I'm quite far behind in that. I have another category for 1k that ends like 2 weeks before the 1.2k envelope and it seems to calculate OK. Anyway, I like the concept but it seems to not work all the time. 
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Jacob C

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  • concerned .

Posted 4 years ago

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Karisa Russell, Official Rep

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Hi Jacob, 

Sorry for the troubles! Annual Envelopes with due dates should calculate your suggested fill amount based on how many fill opportunities you have left before your due date, and how much you have left to save. 

If that's not what you're experiencing, would you mind shooting us an email to with your Household username so we can take a closer look? Thanks! 
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David Bissell

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I'm having a similar issue where the math is going wrong.  For example, I have an annual car registration budget of $1020.  This should be $85 per month.  This works fine with no due date.
But, if I put in a date of yesterday (ie, 12 months from now), I get a budget of $110.73 per month.
This is well above the annual budget (and the envelope is empty.)

My car service budget is similar.  $700 Annual envelope, with $610.30 in it.  No due date, $58.33 as expected. If I put in a due date of May (so next year) the monthly budget comes out at $56.36.  Obviously, that overshoots a bit.  A due date of any month from July up to February results in monthly budget of $0.  If I set it to March, it comes out as $76.84.

Other annual envelopes I have (Car insurance) seem to be fine, correctly having an amount/12 with a due date set when I'm on track.

However, I actually want the OPPOSITE behavior than Jacob above - I want to budget a set amount per month (the annual / 12), but not have the budget automatically adjust if I'm ahead.  I use this for things like car service - I want to put in x per month, but If don't spend it all for the yearly service, that's fine (I might need it for tyres later). I want to keep rolling it forward along with the normal x per month.
I just use the due date as a note, and to see the black bar to check progress rather than wanting to adjust the amounts automagically.

I didn't actually realize the annual envelopes did this auto adjusting behavior based on the amount in the envelope.  This might explain why my budget amount kept changing every month and no longer lining up with my income.
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Karisa Russell, Official Rep

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Hi David, 

Thanks for posting! To add a little more detail, the suggested fill for Annual Envelopes with due dates is calculated based on how many fill opportunities you have left before your due date, and how much you've filled the Envelope with so far for the 'year' - not the actual Envelope balance. And, by 'year', I mean the time frame starting from your due date of the previous year up until your due date this year. 

That means how much you've filled so far into those Annuals with due dates mattes. My guess is that's why the calculation was adjusting for you, because you had an amount filled in those Envelopes. Even things like filling the Envelope with more or less than the suggested fill will adjust the calculation for the following month. 

All to say, if you want to fill the Envelope with a stable 1/12 of the budget, I'd recommend removing the due date. You will lose the black line, but it might be worth it because you can be more certain that what you're budgeting for matches your income. 

I hope that makes sense!