When rollover budgeting is enabled, surplus from underspending one month rolls forward and adds to the next month’s budget target. Over time this causes budgeted amounts to creep upward continuously, making the budget targets unreliable as a stable spending guide.

Request: add a cap or maximum setting on rollover so that surplus carries forward for smoothing actual spending, WITHOUT increasing the budgeted amount itself. The budget target should remain stable month-to-month while the rollover balance accumulates separately.

This would allow users to carry forward unused budget for periodic or discretionary spending (e.g., holiday overages, occasional treats, irregular expenses) while keeping their planned spending target constant and meaningful.