| Simple | Progressive | Perfect | Progressive |
| Present |
| I overspend |
| you overspend |
| he/she/it overspends |
| we overspend |
| you all overspend |
| they overspend |
|
| I am overspending |
| you are overspending |
| he/she/it is overspending |
| we are overspending |
| you all are overspending |
| they are overspending |
|
| I have overspended |
| you have overspended |
| he/she/it has overspended |
| we have overspended |
| you all have overspended |
| they have overspended |
|
| I have been overspending |
| you have been overspending |
| he/she/it has been overspending |
| we have been overspending |
| you all have been overspending |
| they have been overspending |
|
| Past |
| I overspended |
| you overspended |
| he/she/it overspended |
| we overspended |
| you all overspended |
| they overspended |
|
| I was overspending |
| you were overspending |
| he/she/it was overspending |
| we were overspending |
| you all were overspending |
| they were overspending |
|
| I had overspended |
| you had overspended |
| he/she/it had overspended |
| we had overspended |
| you all had overspended |
| they had overspended |
|
| I had been overspending |
| you had been overspending |
| he/she/it had been overspending |
| we had been overspending |
| you all had been overspending |
| they had been overspending |
|
| Future |
| I will overspend |
| you will overspend |
| he/she/it will overspend |
| we will overspend |
| you all will overspend |
| they will overspend |
|
| I will be overspending |
| you will be overspending |
| he/she/it will be overspending |
| we are overspending |
| you all will be overspending |
| they will be overspending |
|
| I will have overspended |
| you will have overspended |
| he/she/it will have overspended |
| we will have overspended |
| you all will have overspended |
| they will have overspended |
|
| I will have been overspending |
| you will have been overspending |
| he/she/it will have been overspending |
| we will have been overspending |
| you all will have been overspending |
| they will have been overspending |
|
