Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. This week it is at 25 days and I am so happy!! I started using YNAB at the beginning of last month and everything is going great except now that the month is flipped I've gotten confused. Never mind. After all, those dollars are truly gone from the budget. Nothing budgeted in the future. I'm just not sure how to adjust something to make adjustment. Great detective work! You You can see it right here on the left. So the #1 reason for switching to the new YNAB is to be on the same platform as YOU. YNAB, on the other hand, looks forward. Many videos on You Tube under YNAB can be helpful also. But if I total up the Available column on the Budget screen, it shows that I have more. However,  when I add up the "available" column in my budget, I have over budgeted-- there is more money "available" than is actually in my account by about $600.00. All of my other accounts are credit card accounts, and are in the red. I finally figured it out. Having this same issue. I have the honor to be your obedient servant. How many budget accounts do you have and are you looking at all of them and not just one account (as your last word in the quote above implies)? I am having the same issue and what scares me is I am not sure how long this has been going on or if this is the first month. A written guide and accompanying video highlighting all of the settings available in the Toolkit for YNAB browser plugin for You Need A Budget. Not only does YNAB help you stay on budget and within your categories, they also help you set and achieve specific goals. I do have 1,462.91 "available" in my credit card but adding that up with my budgeted amount then exceeds what I have in my checking. Navigation Tabs Height (Note: I am not talking about investments, money markets, or retirement accounts – just cash.) I have some how budgeted more money than I have available... Not Good! That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable. When I make payments on credit cards, I just take that away from 'Available to Budget' (i.e. Beige Captain  I'm still trying to figure out out how it can happen. :). Or like a tighter look with less row padding? The money I have available to budget doesn't match the money I have in my account which IS reconciled and all the transactions are accurate and match my statements. Any thoughts? "Total Available" amount plus "To Be Budgeted" amount does not match my "Account" Total amount nYNAB I am using [nYNAB] and I have Googled and read numerous reddit threads as well as the official YNAB quickstart and multiple other instruction pages. Your payment should exactly what you budgeted to the pre-YNAB category if you're not using these cards anymore. This might be related to "Negative Budgeted Balance" discussion and possibly another discussion. I need some major help. This would include Checking, Savings and even Credit Cards (if they have a positive balance). Powder Blue Piano, I took a look and everything adds up. From there, the balance is updated by the transactions you enter and import. Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. It’s a method of setting up your budget—using Monthly Funding Goals and Category Balance By Date Goals—so that you can get a month-ahead view of your finances, regardless of whether or not you have enough cash in the bank, right now, to pay for the entire month. This means all the dollars in your budget need jobs—it doesn’t matter if that job is immediate, a few months from now, or years down the road. It looks like everything is matching up between your accounts and your budget. I went to the next month to check the numbers so I'm not sure where that money is? After all, those dollars are truly gone from the budget. Also, I know others have attributed this to the split transactions, but I don't see an error  there either. Where is that money? I did make a fresh start to see if I could just move forward that way, but would like to continue with my original budget if you can figure out where my problem is. It sounds like we may need to dive a little deeper on this one! I sent you an email, to follow up for Faness with more details on what I'm seeing in your budget. YNAB works differently to other finance software, as it’s not designed to analyse past spending. If it is, you would need to subtract it from Total Available, because that means you’ve given jobs to dollars you don’t yet have. Herman Happens all the time. If that account shouldn't have a balance, you can reconcile it to get things back on track! I have a saving account that is in the budget, but does not seem to be reflected in the amount available for budgeting. You can set your budget up on the Mobile App, but I find it far easier (and quicker) to do this on the desktop currently. If it takes you a few weeks to wrap your brain around the concepts, you’re not alone. https://www.youneedabudget.com/floating-the-silent-but-deadly-threat-to-your-budget/, https://www.youneedabudget.com/are-you-riding-the-credit-card-float/. bevocat Correct. Can you help me identify where the discrepancy is? Rule Two: Embrace Your True Expenses YNAB will match up imported transactions with those you enter yourself so your account balances are always accurate. That’s right. They are off by $217.62, which is the same amount as my Credit Card payment category, and my credit card balance (including one pending transaction). I suggested in the feedback it should not be possible to save a split if the values don't add up. YNAB automatically deducts the amount that you overspent from “To Be Budgeted” in the new month. Faness I am having a similar issue, except I am showing more in my YNAB accounts available balances than my actual bank account balances show, and I have everything linked up. if i add up all the green it’s a few hundred more dollars than what i actually have in the bank. mamster Thanks for your reply. I went to next month's budget, added the "total available" and the "to be budgeted" and "budgeted in the future" and it is $319.98 more than the total cash available in my accounts (I added my checking and savings accounts, do not have any credit cards with positive amounts, and no closed accounts). YNAB on the other hand will automatically match two transactions it believes are the same, making that process seamless. can you help me find and fix the problem? I'm happy to continue here (honestly, email is fine too). This means if your balance in YNAB isn’t matching your bank, there is a transaction problem. If you still have questions, you can respond here or to the email I sent! If Nicole is helping you know then I'll leave it because it is so much easier for someone to help you when they can actually see your budget. We'd be more than happy to take a closer look for you! having the same issue. I have followed the steps above and the two amounts don't match; there is more budget available in YNAB than I have cash. HELP! satcook I have five. Select a font from the Google Fonts library or choose to use your system font. Maybe there is? Faness I was having the same problem that initially started this thread, but after following the helpful instructions throughout, I've tracked my problem to a positive balance in a closed account from long ago. This means if your balance in YNAB isn’t matching your bank, there is a transaction problem. As a work around of sorts, I recommend you rename your closed accounts. That $500ish is already budgeted somewhere. If you have more than one account, read this: The Relationship Between Your Budget & Your Accounts: It’s Complicated, Faness You seem to be the expert in this thread. I really don't want to start over with a new budget and have to redo everything. Thank you! It's been a couple of days, so I'm going to mark this as answered. ... “To be Budgeted” gets loaded with more funds any time you receive a paycheck or any kind of positive cash flow into your bank account. if I want to know how much extra money i should have in my account say 6 months from now, i can click on that month and see. I just learned about the free YNAB clone https://financier.io and did consider switching to save a few dollars, but it doesn't have the features I like the most - recurring expenses, age of money, and category goals that can fund a whole month with one click if you have it set up right. All of your money is pooled together, and you get to decide the job for each and every dollar by assigning it to a category. Your To Be Budget amount should not match what is in your checking account. does YNAB have a feature … . 5. Nicole  This is not my issue but I'd like to understand how this could be. 1. Yet my To Be Budgeted amount is still in the negative ($-77.92). For example, all our main monthly bills are under "Set Monthly Expenses." I just sent you a request via email. Thanks! That money reduces the amount you have To Be Budgeted, because you've already budgeted it. Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable. On average, new users save $600 in the first two months, and more than $6,000 in the first year. You have total control of the balance—look for the following in your register, fix any discrepancies, and you’ll be back on track: If it’s been a while since you’ve reconciled (more than a few days), it’s best to enter a reconciliation balance adjustment and move on. I'm having a similar issue. I have $4,421.13 available to budget, and $1,709.44 in my checking account. It sounds like you're off to a great start, but the Available balances not adding up means somethings off. A quick bounce around the YNAB website will be enough to give you positive vibes that this is a company that knows how to make budgeting fun. :). YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Then, add up all of your accounts with positive balances. Forest Green Admiral Faness Hi I solved the problem by cycling back through all of the last twelve months while trying to see if there was something strange in my budget. For example, if you have $2500 in your checking account and $500 budgeted for rent, that leaves $2000 in To Be Budgeted, assuming no other accounts or budgeted categories. but entered transactions and then back-filled the budget (maybe that was my mistake?!). Otherwise, it will never go down? A written guide and accompanying video highlighting all of the settings available in the Toolkit for YNAB browser plugin for You Need A Budget. I did some deep digging (5 months), and I too found a screwed up split transaction that was the culprit. Indeed, it would be good to have split entries validated whether they do add up. My TBB is at $0.00, but when I add up the available columns that my checking account goes towards, there's $176.02 less than what's in my actual account. And it is really frustrating. I don't understand where the 500ish is missing from the budget. YNAB automatically deducts the amount that you overspent from “To Be Budgeted” in the new month. this is terrifying since it means i’m giving jobs to $100s i don’t have. How would you suggest I go about researching this? Getting your YNAB API Token. If you’re up for it, please take a look and reply to that email to give us permission to access your budget. YNAB shows a "Share YNAB, Get YNAB free" banner. The amount in To be Budgeted will only be accurate if your account balances in YNAB reflect your real-world account balances. :). Note: Now the credit card balance should be $0.00. Anyone have a simpler way to approach this, so that 'Available to Budget' is accurate? Sorry, so busy I forget to elucidate substantially! It’s great for budgeting, expense tracking and deb payoff. I got to step 5 and I was off. If it doesn't you need to budget funds directly to the credit card payment category until it does. Magenta Tiger It's really simple to find out if you're on the float. If you're paying down credit cards, it's fine to leave the Interest and Fees category (which is what you should probably be using for interest charges) overspent and allocate whatever you're able to pay directly to the credit card payment category. I also have a referral code, but isabel got there first, and I'm just a ML lurker, so I'll leave that to her. Head on over to YNAB's Personal Access Tokens page for instructions on generating a token.. Configuring defaults. :). Ask for … Explain that YNAB will catch and match duplicates. You can always pay your credit cards in full and still be living on the float. Never mind, all. With all of your cash in one place, you use YNAB categories to break up that money into the areas that you need. Expenses: Month 1 I have followed the instructions you outline, and when I advance to next month and add everything up, the two numbers balance. Close • Posted by 4 minutes ago. Thanks! As a follow-up, would it make sense - if I do things as I have explained - for my 'Pre-YNAB Debt' to be the same amount as all of those credit card balances? Let me know if you have any questions! When Closing an account, YNAB asks you to move the excess funds to an account that's still open in order to prevent issues like this. If you just want to monitor your actual vs budgeted spend YNAB is the poster boy. If To be Budgeted is negative, remove money from your categories until the To Be Budgeted balance is back to $0. Perhaps our worst-kept secret is the (ever-so-popular) budget template. It sounds like there may be overspending in the current month or budgeted amount in the following month - these would affect your To Be Budgeted and Available amounts in the following month. Thank you for responding! No closed accounts, re-checked tons of times, and still lost as to what transaction is doing this to the budget. Like this: The strangest thing is that the total outflow was still (1050 + 2083 = 3133), not 6266. The Bottom Line. This is because no money has entered or left your budget, so your category balances will not change. Once I totaled ALL accounts the numbers matched. 2 Confirm any Closed accounts have a … Right now I have $1000 left to budget from my checking account. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable. Good premise, helpful tips The book had helpful tips on weekly budgeting, unfortunately it does use YNAB 4 which does not really match up to the current YNAB software. I am having similar issues as others here. You beat me to a solution before I could even ask for details! Budgeting Your Savings. If I get paid again mid-month, I’ll do the same thing again, and now my entire budget will match my income and my Cash Buffer account will be back to its original $2,500. While still using YNAB 4, you just had to drool over it (mmmm Fancy Berry Pie!) Have you tried the Self Audit steps above? What happens is people don’t see the results they’d expect from the work they put in. They analyze where your money went after it’s too late to do anything about it. :). Let’s stop here for a minute, just in case your To be Budgeted was negative. Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. So I was looking into ynab. to be budgeted does not match accounts. Once I went forward through the months again to the present all of a sudden I saw that some budgeting lines that had lain dormant since last year were all of a sudden populated again. With Rule 1 in the YNAB Method, you'll Give Every Dollar a Job. Thanks. I'll take a closer look at the resources. YNAB does not make any claims to monitor more than that. There must be a simple fix that I just can't wrap my head around at the moment. If you run the self audit steps listed above, are things still not adding up? 2. All of my credit card debt when I started clean on YNAB was categorized under 'Pre-YNAB Debt'. Hate the Age of Money display? You can easily set a new goal to pay down debt, spend a certain amount, or save a to a specific number and YNAB will remind you of your goal every single month. then when the new month rolls around, i move the money from that category to TBB. YNAB allows your to put your categories under headings. The payment came out today, as you will see and it is all messed up. Max My problem has been solved, thanks to the YNAB support. Here's what it looks like in YNAB: Megan The sum of all the money in your budget categories is equal to the sum of all the money in your non-credit based accounts. You'll get the same number between the two, which means all of your funds are accounted for. If not, the pre-YNAB debt categories should match the balances on the left. It will just make sense. YNAB’s philosophy and software features combat many of the reasons bugets fail. Violet Orca Sorry for the delay here! I didn't realize that closed accounts still counted. Everything I have spent so far has been budgeted, right down to every dollar. I see that the two balance. Hate the Age of Money display? … I would appreciate any help you can give to sort this out. My "To be Budgeted" is much higher than the amount in my account that is un-budgeted money (as in the real To be budgeted amount the does not included the money reserved for upcoming expenses, is not the same as the to be budged amount in the app). Faness Thanks! I guess I will chime in here too to say I am having similar problems. 2. I have exactly the same issue. Thanks! Thank you YNAB support for finding the error I introduced in 2016... it was also a split transaction not totally accounted for! The money I have available to budget doesn't match the money I have in my account which IS reconciled and all the transactions are accurate and match my statements. In the same time, the sum of all my budget accounts is 7654.60 (which is true). Or like a tighter look with less row padding? Maybe that somehow makes sense depending on how the algorithm works. Any savings accounts? YNAB does not make any claims to monitor more than that. I got everything squared away. Also, do you have any red in future months? Magenta Tiger I've tried to reply to this several times and it seems to have got lost in the ether. I'm happy you were able to get things ironed out! I have tried some of the things in this thread and have failed miserably at all of them. is it through direct import that it happens? when I bashfully showed it off. Direct import allows you to see all your transactions in YNAB. We are going to budget our “to be budgeted” to zero like YNAB’s first rule states. I did your steps above but I still have 7,68 to much Totally Available than available Cash in budget accounts. That’s just one of many little things YNAB does so much better than EveryDollar. Pocketsmith makes hard work of monitoring your actual vs budgeted spend. If so, and you still can't pinpoint the culprit, I'd be more than happy to take a look! It looks like that difference is located in a closed account. Everything you didn't know you could do to your YNAB … Ok, so they are like $60.00 different, so that would qualify as a  float, and you're right I need to budget the starting balance. Here are some details on each of the five You Need a Budget alternatives we found. Hello there, For the YNAB personal budgeting tool, I am trialling access with some Python script. :). (The math is easier there, because all overspending is covered.) Also, double check and ensure to disconnect auto-import :). I set things up and gave it a month-long test run using their 34-day free trial . at least for me, i think $45/year (the lifetime discount for YNAB 4 users) is absolutely worth the cost. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead. :). Another thing that is confusing me is I add interest charges from my credit card to a budget category, and then to keep my categories balanced, I allocate money to that category (Reimbursable/Debt, in my YNAB). Could there possibly be any other reasons this could be happening? Alice Blue Projector Alice, is the problem that your bank account balances are invalid in YNAB? Plus, I don't want to make anything worse! Or is it file based import? So how do I get my "to be budgeted" amount to match up to the amount of money that's currently available in my checking account? The founders of YNAB feel that the longer you can live off the money you made in the … Hi! Tiller Money. the confidence i have in where my finances are and where they’re going is … I sent you a quick email walking through it. Should I just put in a bogus transaction to "stuff I forgot to budget for"? Indeed that was essentially the first part of my last reply! Faness , that's what it was! Checking, savings, a business account, credit, and then cash on hand. (This … With Rule 1 in the YNAB Method, you'll Give Every Dollar a Job. If that doesn't leave you with enough in Feb, then move money from one or more green categories until your higher priorities are satisfied. I have checked if there is overbudgeting up in the future but there is not. 4. The more often you reconcile, the easier it’ll get. I just sent you a request via email. Are you able to help please? Using YNAB's JSON API specification from Pocketsmith makes hard work of monitoring your actual vs budgeted spend. - toolkit-for-qustodio/toolkit-for-qustodio All of my 'Budget Accounts' are accurate, and yet it says I have about $1,200 more to budget than I even have in my account (some of which is undoubtedly already dedicated to certain budget items). Ivory Crab how many accounts do you have in YNAB?? Those balances are included, but reconciling should fix any issues! I think YNAB is a great app and deserves appreciation and acknowledgement for what they have done. Note: Now the credit card balance should be $0.00. Check over your categories to make sure that your Available amounts reflect your … My "Available" is $5.01 more than my accounts. Up in the ‘Available to Budget’ area, ‘Budgeted in May’ jumps by $22, which reduces May’s ‘Available to Budget’ to $78 – because I’ve assigned those $22 to cover the overspend in my Electricity category. To get this fixed, use the reconcile feature in the web app (on your computer). I do not currently have anything budgeted for February so my starting balance to be budgeted is that 2,090.99 amount. Do you have any closed accounts with a positive balance? I just sent you a quick email asking for permission to access your budget. , Follow YNAB to get support and lots of great ideas on budgeting, YNAB book topics online: https://support.youneedabudget.com/r/q5w48j. ncpfist Can you post a screenshot? What's your total available amount and the total of your on-budget accounts? A general purpose Qustodio Parent Portal enhancing browser extension for Chrome and Firefox. It sounds like we may need to dive a little deeper on this one! For example, if your account balance was $1,000 and you budgeted $800 of it, the top of your screen would say you have $200 to budget. YNAB Pro is not Mac-compatible (the basic version is). Your totals in step 3 and 4 should match, to the penny. If you’re up for it, go ahead and enable Support Access for your account. Help me Obi-wan Kenobi, you're my only hope! However, a new Mac and PC version is expected to be available in the summer of 2009. Make sure to check hidden categories too! Thank you! The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets. So there’s a lot of work and thought up front, and for most people the budgeting process is fairly unnatural. It was that a split transaction had 4 entries — 2 original and 2 duplicate. as a transfer). Related to personal finance, budgeting, money and financial matters. How do you link discussions on this space? Hi Faness , I just wanted to jump on the bandwagon here. Preferably though, you would go back to this month’s budget and budget less in a few categories until To be Budgeted is back in the green at zero. Now, if you’d like any dollars to be in a different category, you can confidently move money. monkeyhanger Thanks! The two most popular budget apps are You Need a Budget (YNAB) and Mint. I'm pretty sure the problem is connected to an investment purchase and how I set up the accounts at the beginning. I am fairly new to YNAB and I'd like to have it work! If you go forward to February, add up the Available amount and the To Be Budgeted amount. You won't be able to view your net worth, track your investments, or get investment advice.What this app does is help you think ahead. Beige Captain I 'm going to budget for '' balance, you can always your. Hi, I ynab to be budgeted does not match you rename your closed accounts, and for most people the process... More in a few more details on each of your deposit account balances ( be... Under `` set monthly Expenses. current credit card balances each month, so maybe there is a in! 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