Direct import allows you to see all your transactions in YNAB. Do you have any closed accounts with a positive balance? Then we'll continue our conversation here in the forum! Here's what it looks like in YNAB: Precede what its name was with something ridiculous that stands out. YNAB shows a "Share YNAB, Get YNAB free" banner. :). 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. I went back a month or two in my budget and noticed that I didn't zero out a negative budget so I added some funds to that and noticed that my account balance doesn't match my available budget. Yesterday afternoon, I started the trial for YNAB’s Web app, having held out as long as possible with my beloved, beautiful YNAB4. So the #1 reason for switching to the new YNAB is to be on the same platform as YOU. I did your steps above but I still have 7,68 to much Totally Available than available Cash in budget accounts. the confidence i have in where my finances are and where they’re going is … Nicole  This is not my issue but I'd like to understand how this could be. The Bottom Line. I just sent you a request via email. Let's take a look at the budget now in the budget, we created a matching category for the credit card payments on the account and notice the account balance does not match the available amount for the credit card payment category, and … In the same time, the sum of all my budget accounts is 7654.60 (which is true). Now, if you’d like any dollars to be in a different category, you can confidently move money. I searched all accounts for the amount less or equal to 7.68 but too many to feasible find a mistake like this. I need some major help. ncpfist If you're migrating from YNAB4 and you had Pre-YNAB Debt or ever used the red arrow, you're going to have some ugliness to clean up. :). I'm happy to continue here (honestly, email is fine too). Powder Blue Piano, I took a look and everything adds up. Now, add up the cash in your budget. We are going to budget our “to be budgeted” to zero like YNAB’s first rule states. :). I'm having the same problem; Total Available doesn't match total of total cash budget accounts (accounting for any positive credit card amounts). If I include that, then everything adds up. The transaction isn't cleared yet (the green C is not clicked). :). I just sent you a quick email asking for permission to access your budget. Also, keep in mind that Tracking accounts are not included in your budget. You are most likely missing a transaction somewhere or something hasn't cleared in your bank yet. Interface Font. Once that is set, then you spend accordingly to the individual budget (sub) categories. If you go forward to February, add up the Available amount and the To Be Budgeted amount. Everything I have spent so far has been budgeted, right down to every dollar. I have exactly the same issue. If you’re up for it, go ahead and enable Support Access for your account. it’s really similar to how YNAB 4 had a “budget [next month]” category. 1. Where is that money? I mean, maybe the concept is the same, but yeah, hmm... ncpfist People definitely answer YNAB 4 questions in this forum, but starting a new thread with YNAB4 in the subject would be a good idea. On second thought, it could also have something to do with my Accounts Receivable I've set up (work expenses and insurance claims to be reimbursed). 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 you can't then you're living on the float. I have a saving account that is in the budget, but does not seem to be reflected in the amount available for budgeting. It looks like everything is matching up between your accounts and your budget. Hate the Age of Money display? As a work around of sorts, I recommend you rename your closed accounts. Faness  Hi, I'd like to jump in line here, too. 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). Magenta Tiger Is your credit card payment category balance (as a positive) the same number as your credit card account balance (as a negative)? YNAB will match up imported transactions with those you enter yourself so your account balances are always accurate. this gives me an idea when i can pay something off, like a loan. if i add up all the green it’s a few hundred more dollars than what i actually have in the bank. What about your credit card? I am having this trouble but to a much lesser degree. (This … 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. 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. Faness Thank you. There must be a simple fix that I just can't wrap my head around at the moment. Do you miss the Buffer? Not sure if piggybacking on this question is the best route, but I'm new - and it's the exact general issue that I have - so please bear with me! You will, in both scenarios (date or no date), see your goal progress when you select the category. 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. A general purpose Qustodio Parent Portal enhancing browser extension for Chrome and Firefox. I finally broke down and decided to review YNAB, better known to some as You Need A Budget, the premier personal budget software package. Hi Magenta Tiger ! Trying to figure out how to use Goals? Violet Orca Sorry for the delay here! Yup, tried all the above and just enabled access! Just getting back in this morning and noticed this but happy you were able to find that account! For example, all our main monthly bills are under "Set Monthly Expenses." If you’re up for it, go ahead and enable Support Access for your account and we'd be more than happy to take a closer look! 3. Any thoughts?? You You can see it right here on the left. I have 6 'Budget Accounts.' Before I resort to posting a screenshot, here is a breakdown of how things are set up: Please let me know if I should move this to it's own post, or if anyone needs more information, as this seems to be more of a fundamental issue, which includes the 'Available to Budget' issue, but not that only. :). In the right sidebar, when no categories are selected, you’ll see your Total Available amount, which is the sum of the Available column. YNAB, on the other hand, looks forward. Most traditional budgeting software and philosophies look backwards at what happened. Are you able to help me with this? If it is, you would need to subtract it from Total Available, because that means you’ve given jobs to funds you don’t yet have. Right now I have $1000 left to budget from my checking account. I think YNAB is a great app and deserves appreciation and acknowledgement for what they have done. Try it free for 34 days. YNAB helps you build savings in different categories of your budget, and promotes pride when you actually accomplish that. You could open a separate browser window for the YNAB account and your online statement to more quickly check them back and forth. I've reconciled all my accounts, and the dollar amounts for each account in the left column match my actual balances at my banks. I don't know if there is such a case when someone actually doesn't want the values to add up? 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. Should I just put in a bogus transaction to "stuff I forgot to budget for"? 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 … The amount in To be Budgeted will only be accurate if your account balances in YNAB reflect your real-world account balances. . Samantha Lehmond Thanks for responding to my email! We definitely always pay off our credit card balances each month, so maybe there is a way to better capture this? I see that the two balance. A written guide and accompanying video highlighting all of the settings available in the Toolkit for YNAB browser plugin for You Need A Budget. Could there possibly be any other reasons this could be happening? 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. Check for a negative number in your To Be Budgeted balance. I believe it but I can't see any way to enter a transaction in a closed account. Mic_Deb Sorry, I was out yesterday, but happy to hear you were able to get things ironed out! Having this same issue. YNAB does not. You may need to pull some money out of your emergency fund or other categories to correct this. It sounds like we may need to dive a little deeper on this one! YNAB works differently to other finance software, as it’s not designed to analyse past spending. A scheduled transfer to the account created before its closed in a different account will post to the closed account. Can you help? to be budgeted does not match accounts. 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. Hi Beige Captain ! Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. I'm happy you were able to get things ironed out! Many videos on You Tube under YNAB can be helpful also. You beat me to a solution before I could even ask for details! Go down the list – category by category in order of priority until your budget gets to $0.00. However, a new Mac and PC version is expected to be available in the summer of 2009. It will just make sense. 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? :). Expenses: Month 1 Thanks so much! Want to know if you're Stealing from the Future? Here’s a way you can verify every dollar in your bank account(s) is reflected in your budget – and not a dollar more. I guess I will chime in here too to say I am having similar problems. If you overspent on a credit card, last month’s category balance will display in orange, and the amount that you overspent will be added to your card balance. Note: Now the credit card balance should be $0.00. Any helpful insights would be amazing! Perhaps our worst-kept secret is the (ever-so-popular) budget template. Now, add up the cash in your accounts. Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable. as a transfer). Let us know if you have any questions! This means all the dollars in your budget need jobs—it doesn’t matter if that job is immediate, a few months from now, or years down the road. Now it matches and I feel much better! It's been a couple of days, so I'm going to mark this as answered. Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. I am fairly new to YNAB and I'd like to have it work! I have 79$ to budget however over 500$ in my accounts, YNAB is telling me everything is ok (which seems odd). If not, we can take a closer look at things. Once you have more history (at least 4 months) then you can try out the “average budgeted” or the “average spent” in Quick Budget. I really don't want to start over with a new budget and have to redo everything. When I make payments on credit cards, I just take that away from 'Available to Budget' (i.e. Thanks! You can set your budget up on the Mobile App, but I find it far easier (and quicker) to … YNAB is strictly budgeting software. Your totals in step 3 and 4 should match, to the penny. ), something is wrong with the software. This takes my budgeted amount to $72 – which matches my $72 outflow. Everything you didn't know you could do to your YNAB … Or is it file based import? So I was looking into ynab. 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. 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. 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. Right now I have $1000 left to budget from my checking account. So there’s a lot of work and thought up front, and for most people the budgeting process is fairly unnatural. 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. Plus, it makes Quick Budget even quicker! 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. 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. Are you not talking about migrating to nYNAB from YNAB4 at all? Also, I know others have attributed this to the split transactions, but I don't see an error  there either. (This is a separate account, not in the YNAB budget, correct? How you divide your pizza pie is up to you! Anyway, My 'Available to Budget' (using YNAB 4) doesn't make sense to me. Instead, it asks you to budget every pound of your income from the outset, and to adjust this as you go, to help you reach your financial goals. Everything you didn't know you could do to your YNAB budget screen. The most important thing is DO NOT TRY TO JUST FIGURE IT OUT YOURSELF. 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. All YNAB accounts balances are matching real accounts and I also searched for a transaction of 7,68 in YNAB but didn't find any. Did you budget money to cover your initial credit card balance? I have $4,421.13 available to budget, and $1,709.44 in my checking account. If you have any other questions, don't hesitate to ask! By my math that is $180.08 missing from from TBB. 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. Also, do you have any red in future months? Sometimes entering yourself is faster. To do that you enter in values in the "Budgeted" column until the Available to Budget value hits 0.00. Otherwise, it will never go down? I’m using YNAB on a trial basis and would really like to make it work for me since I have heard so many good things about it. With Rule 1 in the YNAB Method, you'll Give Every Dollar a Job. Max My problem has been solved, thanks to the YNAB support. Is there a way to remedy this? This was helpful in figuring out that I do have a problem! Thanks! 1. So, for example, if I paid the student loan payment, the large home maintenance bill we have been saving for, and the medical bills we would be out of money, even though it looks like there is money set aside for these things.  You'll want to reconcile your accounts first, to make sure your real life bank accounts match the balance in YNAB. Using YNAB's JSON API specification from I removed the duplicate lines and got 3133 appear in my 'To be budgeted' field. It sounds like we may need to dive a little deeper on this one! I did some deep digging (5 months), and I too found a screwed up split transaction that was the culprit. How do you link discussions on this space? Easy peasy. YNAB works best if you let your income accumulate in the “to be budgeted” area throughout the month and then allocate these dollars on the first day of the next month. Anyone have a simpler way to approach this, so that 'Available to Budget' is accurate? To get this fixed, use the reconcile feature in the web app (on your computer). 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. All other accounts are credit accounts. 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. YNAB Pro is not Mac-compatible (the basic version is). Jared I love it when users beat me to the answer! As WordTenor mentioned, if you budget more money than you have in your accounts, then your To Be Budgeted should show a negative amount. In the past I just left a significant buffer in my checking account so that there was never a risk of dipping below zero if a bunch of bills autodrafted before I was paid. Head on over to YNAB's Personal Access Tokens page for instructions on generating a token.. Configuring defaults. Help me Obi-wan Kenobi, you're my only hope! If you choose not to set a date, there isn’t a way to be off track, so there won’t be an alert if you’re short of your goal. 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. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable. then when the new month rolls around, i move the money from that category to TBB. 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. 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. In the right sidebar, when no categories are selected, you’ll see your Total Available amount, which is the sum of the Available column. It was that a split transaction had 4 entries — 2 original and 2 duplicate. Any thoughts? A written guide and accompanying video highlighting all of the settings available in the Toolkit for YNAB browser plugin for You Need A Budget. Budgeting Your Savings. monkeyhanger   Got it. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead. ... YNAB has moved the $50 you budgeted for the Internet bill to paying off the credit card. :). Localization of interface. They are off by $217.62, which is the same amount as my Credit Card payment category, and my credit card balance (including one pending transaction). Indeed that was essentially the first part of my last reply! Plus, I don't want to make anything worse! YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Yet my To Be Budgeted amount is still in the negative ($-77.92). What's your total available amount and the total of your on-budget accounts? I went through the steps, and  my totals for steps 3 and 4 don't match. Select a font from the Google Fonts library or choose to use your system font. Then, add up all of your accounts with positive balances. I got to step 5 and I was off. That's why savings accounts are Budget Accounts--you'll give each of your savings dollars a job, too. And even though I’m a professional financial advisor and Certified Financial Planner, what you do financially dwarfs the importance of my work. In YNAB you can have all of your money in ONE account. The founders of YNAB feel that the longer you can live off the money you made in the … Related to personal finance, budgeting, money and financial matters. Account zeroed out and closed, then another transaction gets imported, scheduled/transferred, etc. If so, and you still can't pinpoint the culprit, I'd be more than happy to take a look! 1. :). https://www.youneedabudget.com/floating-the-silent-but-deadly-threat-to-your-budget/, https://www.youneedabudget.com/are-you-riding-the-credit-card-float/. one thing i liked about quicken is I can schedule all my bills and income and then it keeps a running total on a monthly calendar. I sent you a quick email walking through it. When the transaction does clear, with direct import YNAB will match this transaction. I disconnect any accounts before I close them. 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. It looks like that difference is located in a closed account. 2. Let’s stop here for a minute, just in case your To be Budgeted was negative. I just started YNAB this month. Pocketsmith makes hard work of monitoring your actual vs budgeted spend. Faness Done! You can learn the basics of how the program works and my initial thoughts in my first post here: YNAB … If you’re up for it, please take a look and reply to that email to give us permission to access your budget. @faness_ynab I followed the instructions and my Total Available available for next month and current cash accounts do not match. Anyway, left = right now again so I am happy  :). This would include Checking, Savings and even Credit Cards (if they have a positive balance). monkeyhanger Thanks! to be budgeted does not match accounts. YNAB automatically deducts the amount that you overspent from “To Be Budgeted” in the new month. bevocat Correct. 3. 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. I sure don't know but if the numbers say it's there I guess I'll just follow the numbers. But if I total up the Available column on the Budget screen, it shows that I have more. I have tried some of the things in this thread and have failed miserably at all of them. I found it in a closed account. I'm just not sure how to adjust something to make adjustment. does YNAB have a feature … 5. HELP! Let’s stop here for a minute, just in case your To be Budgeted was negative. This is because no money has entered or left your budget, so your category balances will not change. With all of your cash in one place, you use YNAB categories to break up that money into the areas that you need. YNAB does NOT allow you to budget money that you don’t have, and is a “Zero-Based” budgeting system that is built to assign every dollar to a category. This feels like I'm budgeting money to pay off interest, which isn't something I'm actually doing. Let me know if you have any questions! I let this 'Interest' category just carry over from month to month. So you do not accidentally import into that account. Thank you so much for replying. For example, set a goal to have $20,000 budgeted for a house down payment and YNAB will help you track your progress. Not having imported due dates for bills forces you to track due dates in another system, so that you assign your … Learned something new today :)  Thanks! I took a look and I'm seeing a balance on a closed "Gifts" account. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead. Great detective work! I hope that helps! Checking: 2,643.41 . Indeed, it would be good to have split entries validated whether they do add up. Thanks! 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 $0. 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