Currently, the Savings figure in the budget appears to be calculated as: Income minus Planned Expenses. This means unbudgeted transactions (spending that falls outside any budget category) and overages on existing budget categories do not reduce the Savings total, making it an inaccurate picture of how much is actually left at the end of the month.

The requested behavior is for Savings to reflect actual available funds after all real spending, including unbudgeted transactions and budget overages:

Savings = Income – Budgeted Expenses – Unbudgeted Expenses (including overages)

This would give users a true, real-time view of how much they can actually save each month, not just what they planned to save.