diff --git a/src/primitives/transaction.h b/src/primitives/transaction.h
index f496ea022e69c..6b4a6335a1afd 100644
--- a/src/primitives/transaction.h
+++ b/src/primitives/transaction.h
@@ -17,6 +17,7 @@
 #include <ios>
 #include <limits>
 #include <memory>
+#include <numeric>
 #include <string>
 #include <tuple>
 #include <utility>
@@ -280,6 +281,12 @@ inline void SerializeTransaction(const TxType& tx, Stream& s) {
     s << tx.nLockTime;
 }
 
+template<typename TxType>
+inline CAmount CalculateOutputValue(const TxType& tx)
+{
+    return std::accumulate(tx.vout.cbegin(), tx.vout.cend(), CAmount{0}, [](CAmount sum, const auto& txout) { return sum + txout.nValue; });
+}
+
 
 /** The basic transaction that is broadcasted on the network and contained in
  * blocks.  A transaction can contain multiple inputs and outputs.
diff --git a/src/wallet/spend.cpp b/src/wallet/spend.cpp
index d92fd52ead197..a1a98381e5ab6 100644
--- a/src/wallet/spend.cpp
+++ b/src/wallet/spend.cpp
@@ -8,6 +8,7 @@
 #include <interfaces/chain.h>
 #include <numeric>
 #include <policy/policy.h>
+#include <primitives/transaction.h>
 #include <script/signingprovider.h>
 #include <util/check.h>
 #include <util/fees.h>
@@ -959,19 +960,18 @@ static util::Result<CreatedTransactionResult> CreateTransactionInternal(
         return util::Error{_("Missing solving data for estimating transaction size")};
     }
     CAmount fee_needed = coin_selection_params.m_effective_feerate.GetFee(nBytes);
-    CAmount current_fee = result->GetSelectedValue() - recipients_sum - change_amount;
-
-    // The only time that fee_needed should be less than the amount available for fees is when
-    // we are subtracting the fee from the outputs. If this occurs at any other time, it is a bug.
-    if (!coin_selection_params.m_subtract_fee_outputs && fee_needed > current_fee) {
-        return util::Error{Untranslated(STR_INTERNAL_BUG("Fee needed > fee paid"))};
-    }
+    const CAmount output_value = CalculateOutputValue(txNew);
+    Assume(recipients_sum + change_amount == output_value);
+    CAmount current_fee = result->GetSelectedValue() - output_value;
 
     // If there is a change output and we overpay the fees then increase the change to match the fee needed
     if (nChangePosInOut != -1 && fee_needed < current_fee) {
         auto& change = txNew.vout.at(nChangePosInOut);
         change.nValue += current_fee - fee_needed;
-        current_fee = fee_needed;
+        current_fee = result->GetSelectedValue() - CalculateOutputValue(txNew);
+        if (fee_needed != current_fee) {
+            return util::Error{Untranslated(STR_INTERNAL_BUG("Change adjustment: Fee needed != fee paid"))};
+        }
     }
 
     // Reduce output values for subtractFeeFromAmount
@@ -1007,7 +1007,16 @@ static util::Result<CreatedTransactionResult> CreateTransactionInternal(
             }
             ++i;
         }
-        current_fee = fee_needed;
+        current_fee = result->GetSelectedValue() - CalculateOutputValue(txNew);
+        if (fee_needed != current_fee) {
+            return util::Error{Untranslated(STR_INTERNAL_BUG("SFFO: Fee needed != fee paid"))};
+        }
+    }
+
+    // fee_needed should now always be less than or equal to the current fees that we pay.
+    // If it is not, it is a bug.
+    if (fee_needed > current_fee) {
+        return util::Error{Untranslated(STR_INTERNAL_BUG("Fee needed > fee paid"))};
     }
 
     // Give up if change keypool ran out and change is required