Savings transfer not showing up as "to be budgeted"?

Hello, I keep a prudent reserve in my (linked) savings account for when I may need additional funds in my budget (which I refer to as my spending plan). 

I just transferred $500 from savings to checking which YNAB defaults to "transfer to/from savings", there is no option to have this flow into the budget into a category or "to be budgeted".

My bank account shows the transfer (as I duplicated it there).  YNAB shows the checking account with $500 more and the savings account with $500 less, but nothing has changed in the budget.

I have items in my budgeted now in the red and I need to fund them.  My budget shows $0.00 to be budgeted, but I need to see the $500.

What am I not getting?  

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  • If the savings account is on budget which it sounds like it is then the money is already in your budget somewhere.  You would have to pull it out of another category to cover your over spent categories.

    Like 2
      • Stacey L.
      • Higher Ed Executive; Fundraising Consultant
      • Magenta_Violin.12
      • 2 mths ago
      • Reported - view

      Herman I am sorry I am not understanding this.  The money in my savings account did not come into my budget to be allocated to a category.  It shows up on YNAB as a linked account.  

      Like
      • Herman
      • herman
      • 2 mths ago
      • Reported - view

      Stacey L.  on the left side of your screen on the web app you should have a list of accounts under 'budget' and under 'tracking' (if you have any tracking.   Where does your savings account appear and does the balance match the bank?

      Like
      • Stacey L.
      • Higher Ed Executive; Fundraising Consultant
      • Magenta_Violin.12
      • 2 mths ago
      • Reported - view

      Herman Savings appears as a linked account under checking.  The balance in savings now matches my bank because I transferred $500 into my checking earlier today.  The checking balance gets more complicated because the checking balance in YNAB is less than what my bank shows and neither the cleared balance or working balance reflect the $500 transfer {{{sigh}}}} I'm so sorry I am not understanding this.

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      • Herman
      • herman
      • 2 mths ago
      • 1
      • Reported - view

      Stacey L.  If the savings account is under the 'budget' header, and tbb is zero then the money is allocated to your categories somewhere.   Linked has no impact, that just determines how the account gets updated.  Definitely review the documentation nolesrule provided below and if you still don't understand, you might need to have the support team look at your budget and explain.


       

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • Reported - view

      Stacey L. You're going to need to fix your checking account balance. You can do a reconcile in the web app. You need to figure out what transactions are missing and/or incorrect in YNAB versus your online bank account balance and transactions.

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    • nolesrule
    • Been waiting 5 years for the Stealing From the Future fix...
    • nolesrule
    • 2 mths ago
    • Reported - view

    Linked accounts are just accounts that have direct import enabled. The account can be a budget account or tracking account.

    The money in your budget is comprised of all the money in your budget accounts. Moving money between budget accounts does not add money to your budget.

    Like
      • Stacey L.
      • Higher Ed Executive; Fundraising Consultant
      • Magenta_Violin.12
      • 2 mths ago
      • Reported - view

      nolesrule the money in my budget flows in as income.  The money in my savings account shows up because it is a linked account, but it hasn't shown up as "to be budgeted" at any time.  I don't have accounts with balances.  I don't know how to reflect that my checking accounts has $500 additional dollars now.  Because it does.

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      • nolesrule
      • Been waiting 5 years for the Stealing From the Future fix...
      • nolesrule
      • 2 mths ago
      • Reported - view

      Stacey L. The money shows up as too be budgeted when it initially comes into the budget. That might be the balance that was in the account when your first added the account, or it could have come in via the checking account and then transferred to the savings account.

      The savings account would have had to have a balance or how else could you have transferred money from it to the checking account?

      Like
  • The money in your savings account is already in your budget, some of it might be in "savings" categories, such as new car, income replacement, insurance deductibles, etc.  But it's in your budget.  If you didn't specifically budget to a savings category, then the money in your savings account is in some other category in your budget, but it's definitely in there.  If you want to spend $500 on something, you've got to find the money in your budget, and move it from other categories.

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      • Stacey L.
      • Higher Ed Executive; Fundraising Consultant
      • Magenta_Violin.12
      • 2 mths ago
      • Reported - view

      Bruce the money is not "in my budget" anywhere.  I don't recall when I opened YNAB that I ever allocated what was in my spending account to any budget categories.  I don't have budget categories with balances (that I am aware of).  I'm so confused.

      Like
      • Bruce
      • Software Engineer
      • Bruce
      • 2 mths ago
      • Reported - view

      Stacey L. The fact that you said it defaulted to transfer to/from and doesn't give the option of having a category tells me that you have it on budget as a budgeted account. 

      So, if your TBB (To Be Budgeted) is at 0 then that means all the money in all your cash accounts (savings, checking, whatever else cash account you may have) has been accounted for in the budget.  Transferring from savings to checking is like putting a $5 bill from your front pocket into your back pocket.  The job of what that money is to do is in the category, not in the account. 

      I'll leave it to somebody else to post the link to the article that helps explain this better, because I've gotta run and don't have time to find it, but the money is in your budget, you just have to move it from another category.

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      • nolesrule
      • Been waiting 5 years for the Stealing From the Future fix...
      • nolesrule
      • 2 mths ago
      • Reported - view

      Stacey L. 

      If you have 100 in Account A and 100 in Account B and they are both budget accounts, your budget has $200 in it. If you then move $50 from Account B to Account A (so the balances are now $150 and $50), you still have $200 in your budget.

      Like
      • nolesrule
      • Been waiting 5 years for the Stealing From the Future fix...
      • nolesrule
      • 2 mths ago
      • Reported - view
      • Saish Dawg
      • saish_dawg
      • 2 mths ago
      • Reported - view

      Bruce "Transferring from savings to checking is like putting a $5 bill from your front pocket into your back pocket."  I will have to remember this when explaining YNAB to my family.  Cheers!

      Like
  • When you first added your savings account to your budget, those funds became available in To be Budgeted.

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  • Stacey L. said:
    I don't have budget categories with balances (that I am aware of).

     You don’t? You should. Unless you’ve spent every budgeted penny. Go to your budget screen and look at the Available column.

    Like 1
  • I'm guessing she may want to use a tracking account for savings and keep them off budget.  Granted, that will not fix her current reconciliation issue.  If you want the savings to be included in your budget, then use a budget account.  If you want the savings separate (my retirement fund, for example, is not on budget), then use a tracking account.

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