If a transaction is marked as "pending," it will still affect your deposit limit even if the transaction has not been completed. As soon as you click "Deposit" in the box where you enter the amount, it is registered as a pending deposit, and that transaction is counted toward your deposit limit.
This prevents pending deposits from exceeding your deposit limit in case any of them are approved with a delay. Swish & Zimpler deposits that are not completed by you are automatically canceled by the system within 20 minutes. After that, the transaction will be marked as "Canceled," and you can start a new deposit.