Pacing summary
Kestrel Home Insurance Agency, October 2026. Monthly budget: $12,000.00, hard cap. Numbers run through 2026-10-20, end of day; you marked the day complete, so I count it as elapsed. - Days elapsed: 20 (day of month of 2026-10-20). Days remaining: 31 - 20 = 11. - Month to date cost: $4,100.00 + $2,300.00 + $1,250.00 = $7,650.00. - Remaining budget: $12,000.00 - $7,650.00 = $4,350.00. - Projected month end at current daily budgets: $6,300.00 + $3,620.00 + $1,910.00 = $11,830.00 (sum of the projected column below), which is $12,000.00 - $11,830.00 = $170.00 under the budget.
Campaign table
Rules: MTD daily rate = MTD cost / 20. Projected month end = MTD cost + average daily budget x 11.
| Campaign | Avg daily budget | MTD cost | MTD daily rate | Projected month end |
|---|---|---|---|---|
| Search - Home | $200.00 | $4,100.00 | $4,100.00 / 20 = $205.00 | $4,100.00 + $200.00 x 11 = $6,300.00 |
| Search - Auto | $120.00 | $2,300.00 | $2,300.00 / 20 = $115.00 | $2,300.00 + $120.00 x 11 = $3,620.00 |
| PMax - Leads | $60.00 | $1,250.00 | $1,250.00 / 20 = $62.50 | $1,250.00 + $60.00 x 11 = $1,910.00 |
| Total (sum of rows) | $380.00 | $7,650.00 | $11,830.00 |
The projection is an expected level, not a cap: Google can spend up to 2 times a campaign's average daily budget on a given day.
Proposed daily budgets
Split rule: default (remaining budget shared in proportion to month to date cost). Priority: Search - Home keeps its current $200.00 per day first. - Search - Home share: $200.00 x 11 = $2,200.00. - Left for the other two: $4,350.00 - $2,200.00 = $2,150.00. - Their combined MTD cost: $2,300.00 + $1,250.00 = $3,550.00.
| Campaign | Share of remaining | New avg daily budget = share / 11, rounded down to the cent | Change vs current |
|---|---|---|---|
| Search - Home | $2,200.00 (priority) | $200.00 | 0.0% |
| Search - Auto | $2,150.00 x 2,300 / 3,550 = $1,392.96 | $126.63 | ($126.63 - $120.00) / $120.00 = +5.5% |
| PMax - Leads | $2,150.00 x 1,250 / 3,550 = $757.04 | $68.82 | ($68.82 - $60.00) / $60.00 = +14.7% |
Check: shares $2,200.00 + $1,392.96 + $757.04 = $4,350.00. Planned spend at the new budgets: $200.00 + $126.63 + $68.82 = $395.45 per day, and $395.45 x 11 = $4,349.95, which is under the $4,350.00 remaining. Planned month end: $7,650.00 + $4,349.95 = $11,999.95.
Big cut check: no campaign's new budget is under 50 percent of its current one (0 flagged); both changes are increases.
Limits and risks
Rules from Google: for most campaigns, one day can spend up to 2 times the average daily budget; a month is not charged more than 30.4 times the average daily budget; after a budget change, spend for the rest of the month will not exceed the new average daily budget x the remaining calendar days, counting the day of the change. This assumes the new budgets are set on 2026-10-21, the day after as_of, which leaves 11 days. Each later day removes one day from the limits below.
| Campaign | New avg daily budget | Highest single day (x 2) | Rest of month limit (x 11) |
|---|---|---|---|
| Search - Home | $200.00 | $400.00 | $2,200.00 |
| Search - Auto | $126.63 | $253.26 | $1,392.93 |
| PMax - Leads | $68.82 | $137.64 | $757.02 |
| Total (sum of rows) | $395.45 | $4,349.95 |
- Account month end limit: $7,650.00 MTD + $4,349.95 = $11,999.95, which is at or under the $12,000.00 hard cap by $0.05.
- Single days: any one day can still run up to twice the new budget, for example $253.26 on Search - Auto. Over the 11 days, the rest of month limit applies. Google says served costs above these limits are not charged.
- Scope: Google states these limits for most campaigns. If any of these campaigns uses a shared budget or another setup your export does not show, tell me and I will recheck.
- I am not assuming conversions change with the new budgets.
Method notes
- Every number comes from the three campaign rows, the budget and the dates you gave, with each expression shown. Values were checked by script.
- Currency is two decimals. New daily budgets are rounded down to the cent so planned spend stays at or under the remaining budget.
Needs your decision
- Approve the new average daily budgets (Search - Auto $126.63, PMax - Leads $68.82, Search - Home unchanged at $200.00) before anyone edits the account.
- Confirm the change will be made on 2026-10-21; if later, I will recompute the limits with fewer days.