February 14, 2026•1 min read•from Microsoft Excel | Help & Support with your Formula, Macro, and VBA problems | A Reddit Community

Using savings in Excel ultimate Personal Budget Base without breaking formulas

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Managing a personal budget in Excel can be tricky, especially when balancing monthly savings with annual expenses. If you’re saving €250 each month but need to withdraw €1,000 in August for a yearly expense, it’s essential to structure your budget carefully. The goal is to maintain your savings contributions without disrupting existing formulas. Discover how to effectively track your savings and withdrawals while keeping your budget intact. This guide will provide you with actionable steps to achieve a seamless budgeting experience.

Hi everyone,

I’m using the Excel ultimate Personal Budget Base (I recreated it myself based on their YouTube video).
I have a question about how to handle savings correctly.

At the moment, I save €250 every month into a savings category. The issue is that in August I’ll need €1,000 for a yearly expense, and I want to take that amount out of the same savings pot. What’s the best way to structure this in Excel so I can: Keep adding €250 every month Withdraw €1,000 when needed Avoid breaking the formulas or messing up the rest of the budget I’ve already tried contacting them by email and commenting on the YouTube video, but I haven’t received any response. Maybe someone here knows how to solve this properly?

Thanks in advance!

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How to allocate savings goals, once a bucket hits max, re-allocate remaining funds?Hi all, I'm currently trying to bump up my savings to 6+ months of expenses. I'm trying to hit my goal in each category, that is automatically allocated per the percentage in column B across the board as deposits are made into C12. However, once the value in E reaches 100%, I'd like to stop allocating to that specific bucket (oil is close) and distribute by the percentage for all categories not at 100% in E, by the percentage in column B across the remaining rows. How would that be done? (I know, puke pizza for a lot of you. I like keeping it color coordinated.) :) https://preview.redd.it/yscs3cvt8zzg1.png?width=619&format=png&auto=webp&s=072c59c01b18a7808f288ac2a7f2356ba944f07e submitted by /u/Knitchick82 [link] [comments]

Using savings in Excel ultimate Personal Budget Base without breaking formulas

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