# How on earth to goals work ?!

Trying to set up a couple of £x by y date goals; let's say, for arguments sake £1000 by June; one would think this would calculate a goal of £200 a month but, no some other random figure (I'm assuming it uses part-months or something ?).  The little summary says something like 'you are short, budget another £12.50 to stay on target'.  Soooo, you move another £12.50 across, expecting it to now say something like 'yay, you're on track', or whatever, but - no, it now says 'budget another £3.60 to stay on target' !!

What am I missing here ?  How can the amount you need to budget change ?  100/10 is 10 !  100/10 is not 12, then 7, then 1.11.

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• Could you post a screenshot?

The Target Balance by Date goal doesn't take partial months into account, but it does take into account money you already have available in the category. Does this help?

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• If you created the goal in Jan, it will use 6 months (166.67 if the category is currently empty or less if there's already money in there). Be careful that you're actually adding to any existing budget entry instead of replacing it.

The entry it suggests is computed as:

• Suggested budget increment = (Target Available - Current Available) / Months To Go

Edit: You also have to consider whether you will be able to budget toward the category in the target month before the outflow occurs. If not, then you will need to target the previous month.

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• Hi Powder Blue Tiger !

Mamster and Dakinemaui are correct. If there are funds already Available in that category they will be factored into your goal progress. If you have \$400 Available in a category and you create a goal to save \$1,000 in 6 months, you only need \$600 more to reach your goal. Instead of calculating to save \$1,000, the goal will calculate for \$100 each month to save the additional \$600 to reach your goal.

Does that help clear things up?

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• Khaki Storm
• YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
• Khaki_Storm.1
• 1 yr ago
• Reported - view

I've had fun setting up new fake budgets and just playing around. That way I can see what is happening and not mess up my own budget.

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• Khaki Storm
• YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
• Khaki_Storm.1
• 1 yr ago
• Reported - view

Also, are there any credit card transactions in that account that aren't paid off yet? I've noticed some strange behavior when there's an unpaid credit card amount in the account you're funding.

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• bevocat
• Sometimes, It Just Sucks to Be You
• bevocat
• 1 yr ago
• 2
• Reported - view

Ben K. Do you mean category again?

It's going to really really confuse people if you keep saying account when you mean category. Please, please focus on proper terminology. I'm not being pedantic here, but these very precise meanings are important for the correct understanding and use of YNAB.

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• Khaki Storm
• YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
• Khaki_Storm.1
• 1 yr ago
• 1
• Reported - view

bevocat You're right. Thank you for the reminder. I've been using another software for 12+ yrs and terms are a challenge for me, especially when they overlap.  YNAB categories are my old  envelopes (but my wife and I ended calling them accounts). My old envelopes were stored in larger groups called categories. YNAB budget is kinda like my old paycheck split, but less automated. My old budget is a little like the YNAB category goals, but operated totally differently. I've been trying to keep all the terms straight. I'll make an extra effort. Thanks.

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• bevocat
• Sometimes, It Just Sucks to Be You
• bevocat
• 1 yr ago
• Reported - view

Ben K. Okay, so having established that, you had a good idea. If there's some spending from a category that has a target-by-date goal set, it's going to change how much you have still to allocate to be on track for the goal.

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• Stay focused and do calculations according to time period left and how much target has been achieved and what target is yet to achieve.

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