I am having this trouble but to a much lesser degree. When I make payments on credit cards, I just take that away from 'Available to Budget' (i.e. I disconnect any accounts before I close them. 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. If you’re up for it, please take a look and reply to that email to give us permission to access your budget. How do you link discussions on this space? In the right sidebar, when no categories are selected, you’ll see your Total Available amount, which is the sum of the Available column. I then have a master category called 'Debt,' and under that I have an 'Interest' category, which is where I put all of my credit card interest. If that account shouldn't have a balance, you can reconcile it to get things back on track! If you have budgeted money to a category at any point in this budgets history you do not want to delete it! 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)? They want you to plan for upcoming bills so that when they happen, you aren't in a mad dash to find money to cover it.. I bring this up, because that also affects my available to budget, but the bottom line is that I don't have as much in my checking account as the 'Available to Budget' and 'Budgeted' areas of YNAB would lead me to believe. So the #1 reason for switching to the new YNAB is to be on the same platform as YOU. ), something is wrong with the software. I sent you an email with a few more details, but wanted to respond here as well! :). 4. A cheaper alternative might be GoodBudget app. If you just want to monitor your actual vs budgeted spend YNAB is the poster boy. Tiller Money. 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. Localization of YNAB. But if I total up the Available column on the Budget screen, it shows that I have more. YNAB, on the other hand, looks forward. in YNAB, i handle it by creating a category called “budget next month.” all my current month’s income goes into that category. It sounds like we may need to dive a little deeper on this one! There must be a simple fix that I just can't wrap my head around at the moment. How did you find yours? 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. If you’re up for it, go ahead and enable Support Access for your account. I'm looking for YNAB 4 help. I got to step 5 and I was off. The amount in To be Budgeted will only be accurate if your account balances in YNAB reflect your real-world account balances. Thanks! I have some how budgeted more money than I have available... Not Good! I got a little behind in budgeting (already!!) Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable. I hope that helps! Now I'm even confusing myself! Head on over to YNAB's Personal Access Tokens page for instructions on generating a token.. Configuring defaults. to be budgeted does not match accounts. Are you a paid-in-full user? How you divide your pizza pie is up to you! Most traditional budgeting software and philosophies look backwards at what happened. Thank you! Magenta Tiger Is your credit card payment category balance (as a positive) the same number as your credit card account balance (as a negative)? And it is really frustrating. I have enabled support access and would like to continue via email. 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. The transaction isn't cleared yet (the green C is not clicked). Great detective work! :). Then increase the Savings budget to $474, to match the amount you actually sent to your savings account. 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. 3. YNAB on the other hand will automatically match two transactions it believes are the same, making that process seamless. Are you able to help please? Just getting back in this morning and noticed this but happy you were able to find that account! Never mind, all. :). If you can't then you're living on the float. 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 … 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. If so, let me know and we can take a closer look at things! 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. Violet Orca Faness Never mind! That money reduces the amount you have To Be Budgeted, because you've already budgeted it. Any thoughts? My Total Available is greater than my account balances. I see what you're saying about the possibility of paying off over time, but I'm not understanding what to do if the money that I have allocated in my budget is less than the accounts. If you go forward to February, add up the Available amount and the To Be Budgeted amount. Also, double check and ensure to disconnect auto-import :). I'm happy to continue here (honestly, email is fine too). 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. Purple Piano If there was an award I could give for references, you'd definitely have one coming! If you overspent on a credit card, last month’s category balance will display in orange, and the amount that you overspent will … 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, Transactions that have cleared the bank but have a gray C next to them, Missing transactions that need to be entered or imported, Transactions you entered or imported that have the wrong amount (maybe inverted, 0.34 instead of 0.43, for example). You are most likely missing a transaction somewhere or something hasn't cleared in your bank yet. Violet Orca actually I'm not sure a bogus transaction would help since it would decrease my balance which isn't right. A written guide and accompanying video highlighting all of the settings available in the Toolkit for YNAB browser plugin for You Need A Budget. YNAB does not make any claims to monitor more than that. Jannelle Thanks for your help! (YNAB does what it can to match them up, but it’s not perfect, so this does take a mindful eye). Thanks again, that does help me better understand the credit card part! 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 guess where I am stuck is that there is about $600 more "available" than is really in my bank account. 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. Advance to next month's budget. You You can see it right here on the left. Thanks! 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. About 6 months ago, the You Need A Budget (YNAB) team reached out to me to review their budgeting software. Hi Faness , I just wanted to jump on the bandwagon here. Expenses: Month 1 The more often you reconcile, the easier it’ll get. Easy peasy. Never mind. I have $559.78 in my cash accounts and only have $177.71 in the available column, but TBB is telling me I have $201.99. bevocat Correct. Mic_Deb Sorry, I was out yesterday, but happy to hear you were able to get things ironed out! However, there are still instances where closed accounts can get those balances back (scheduled transactions, the undo button, etc.). Here are some details on each of the five You Need a Budget alternatives we found. 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. Could there possibly be any other reasons this could be happening? I need some major help. 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. Trying to figure out how to use Goals? Trying to figure out how to use Goals? 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. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable. Thanks. YNAB’s philosophy and software features combat many of the reasons bugets fail. Tiller Money is an awesome YNAB alternative. Thanks! No closed accounts, re-checked tons of times, and still lost as to what transaction is doing this to the budget. Navigation Tabs Height monkeyhanger Thanks! monkeyhanger   Got it. Your totals in step 3 and 4 should match, to the penny. Here's what it looks like in YNAB: What about your credit card? I just sent you a request via email. 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. If I include that, then everything adds up. 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). mamster Thanks for your reply. YNAB automatically deducts the amount that you overspent from “To Be Budgeted” in the new month. YNAB automatically deducts the amount that you overspent from “To Be Budgeted” in the new month. 6. YNAB helps you build savings in different categories of your budget, and promotes pride when you actually accomplish that. HI! In the same time, the sum of all my budget accounts is 7654.60 (which is true). Once you’re in the habit, you’ll knock it out in a few minutes (or less!). The offending account was a credit card account but I will rectify that. 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. ... YNAB has moved the $50 you budgeted for the Internet bill to paying off the credit card. satcook I have five. :). As I understand it, you can't close an account with a balance. . Respond there and we can take a closer look at what's going on! Can you help me identify where the discrepancy is? Everything I have spent so far has been budgeted, right down to every dollar. I think I have followed all of the steps above, and the budget amount significantly higher, twice a high, as the  total available to me in my budget. Help me Obi-wan Kenobi, you're my only hope! 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. Do you have any money budgeted into your categories? It looks like everything is matching up between your accounts and your budget. If all of your credit card spending is budgeted then the usual culprit is not budgeting for any starting balance on the card. Not having imported due dates for bills forces you to track due dates in another system, so that you assign your … If I decrease one of my budgeted amounts, it will put that $5.01 back into TBB. Sometimes entering yourself is faster. Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. 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. 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. 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. 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. Getting your YNAB API Token. 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? Do you have any closed accounts with a positive balance? Are you able to help me with this? To do that you enter in values in the "Budgeted" column until the Available to Budget value hits 0.00. 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. I have $4,421.13 available to budget, and $1,709.44 in my checking account. They both seem to have similar goals—help you budget, pay off debt, and educate you while they do it, so you don’t give up or slip into old habits.Some noteworthy differences could make one better for you than the other, however. EveryDollar vs YNAB, compared, may leave you feeling like there’s not that much of a difference between the two. I went to the next month to check the numbers so I'm not sure where that money is? Direct import allows you to see all your transactions in YNAB. Checking: 2,643.41 . This would include Checking, Savings and even Credit Cards (if they have a positive balance). Violet Orca Sorry for the delay here! A scheduled transfer to the account created before its closed in a different account will post to the closed account. Now, add up the cash in your accounts. Magenta Tiger I've tried to reply to this several times and it seems to have got lost in the ether. YNAB is strictly budgeting software. The most important thing is DO NOT TRY TO JUST FIGURE IT OUT YOURSELF. When you have a moment, enable Support Access for your account. when I bashfully showed it off. ... “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. I have a saving account that is in the budget, but does not seem to be reflected in the amount available for budgeting. Herman What bevocat  said is true - it happened to me just like that! Can you help? This was helpful in figuring out that I do have a problem! Faness Thanks! With Rule 1 in the YNAB Method, you'll Give Every Dollar a Job. As WordTenor mentioned, if you budget more money than you have in your accounts, then your To Be Budgeted should show a negative amount. Like this: The strangest thing is that the total outflow was still (1050 + 2083 = 3133), not 6266. 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 … (This … 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. Having this same issue. I believe it but I can't see any way to enter a transaction in a closed account. Let’s stop here for a minute, just in case your To be Budgeted was negative. Anyone have a simpler way to approach this, so that 'Available to Budget' is accurate? YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Goodbudget. We'll get this figured out! I have followed the steps above and the two amounts don't match; there is more budget available in YNAB than I have cash. I actually have in YNAB? has been solved, thanks to amount. 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What happens is people don ’ t matching your bank account balances ( and be sure to check numbers.