Subtract scheduled transactions from Available balance?

Is there any way to configure it to subtract transactions already scheduled this month from the Available balance instead of leaving it as Available until it actually posts?

I'm aware that it's possible to click on it to see how much will be left after scheduled transactions post in the "Inspector", but that doesn't work on the phone app that I can see.  I'm also aware that it's possible to use Toolkit to put the scheduled transaction total to the left of the available balance, but that also doesn't show in the app and it doesn't change the available balance.  Maybe there is a Toolkit setting that I'm missing?

I mean, the code already knows what the "real" number is.  It shows it to me in the inspector if I click.

This combination of this false amount available and the lack of ability to see previous months at the same time is leaving me feel unmoored from my budget. I no longer really know what I have to spend and what categories need more until after they happen and I'd be forced to "roll with the punches" to use the documentation terms.  I'm not a roll kind of guy.  I like to plan and have a job that pays less than some others I might get because it's very reliable...

The dissonance is hitting me because I've been happily using YNAB4 for years and credit it with letting me finally save and spend wisely.

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  • Nope there is no way for future transactions to impact the budget. People have been asking for this for a while. The only thing you can do is enter in register now, with the current date.

    Like 2
  • If you install the toolkit there's a running balance feature that's helpful.

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    • Rachel S Super helpful for cash flow decisions, but not for spending guidance, unfortunately.

      Like 1
  • In the iOS app if you click the info ‘i’ icon in the category inspector you can see it. 

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  • It can be done but you most likely don't want to do it. 

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  • This topic has been hashed pretty extensively over these last four years and the YNAB team seems VERY committed to not allowing this. None of us can figure out why. 

    However you can see the inspector in the phone app. Tap on the category you want, and there will be a (i) icon off to the bottom right. This shows the same info that is in the inspector on the web. 

    Like 2
  • The tedious workaround is to use two categories -- one for the scheduled transaction and one for the discretionary spending. Obvious issues with reporting.

    The other workaround is to Enter Now (using the current date, sometime in the same month). You may wish to shepherd that transaction forward enough so any import you're doing can match it. (I believe there's a 10-day window for CC transactions.) Yes, the account balance is inaccurate when doing this -- so much for YNAB's desire for an "honest" budget.

    It's very strange that YNAB doesn't support the proactive position that those funds are effectively gone. They favor a reactive approach by warning you when you've spent too much to enable the scheduled transaction to occur. Too little, too late, IMHO.

    When pressed on this issue, they said that doing so would effectively hide money from yourself. My response was basically, "Of course! That's the entire point of YNAB! I don't want to see $<Large Account Balance>. I only want to see the small subset that I intend to spend on X." They didn't get it.

    Like 3
      • MXMOM
      • MXMOM
      • 1 yr ago
      • Reported - view
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  • dakinemaui said:
    When pressed on this issue, they said that doing so would effectively hide money from yourself. My response was basically, "Of course! That's the entire point of YNAB! I don't want to see $<Large Account Balance>. I only want to see the small subset that I intend to spend on X." They didn't get it.

    There should be some sort of "committed" function that totals the upcoming transactions for the month. That committed amount would be deducted and then Available is TRULY available.

    But in theory I guess that a scheduled transaction would normally not come from a category with otherwise "free" spending. For example, my phone bill is scheduled monthly and categorized as Phone Bills. Now I don't generally spend like a crazy woman on Phone Bills.  On the flip side, the Groceries category doesn't have any scheduled transactions. All the spending there is on the go. The big issue is WAM-ing from Phone Bills if I forget that the phone bill will get paid automatically.

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    • MXMOM A standing order for Amazon Pantry/Subscription items in Groceries. A Gym membership fee in Fitness (that also has discretionary funds like classes, new shoes, etc.). A golf membership in Hobbies. Etc.

      I think it's not unusual to want broader categories dealing with the essence of <whatever>, regardless of the payment mechanism.

      Like 4
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 1 yr ago
      • 1
      • Reported - view

      MXMOM Haha I guess you don't shop QVC and HSN with "Easy Pay."  I have an *obscene* amount of scheduled recurring transactions for alllll sorts of, um, "discretionary" categories.  

      Like 1
      • MXMOM
      • MXMOM
      • 1 yr ago
      • 2
      • Reported - view

      dakinemaui and I do totally agree that Available should mean "go nuts" and shouldn't include things that are committed to but just haven't hit the account yet. That's where the bouncing payments can start.

       

      As for Amazon Pantry, I don't think we have that here yet. Although they are opening up a new Amazon distribution centre (heard the ad on the radio - basically they are reaching out to anyone regardless of experience).  Will have to see.  I always joke that when the fridge and the stove can get together and figure out what to make for dinner, order missing ingredients from Amazon, and do the prep work, I am on board with the wifi kitchen appliances.

      Like 2
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • Reported - view

      MXMOM I use Subscribe and Save, which is basically a standing order system. We use it for competitively priced items that would come out of our grocery budget. We can set the order recurrence on a per-item basis, which makes it essential to be able to see a grocery balance that accounts for scheduled transactions.

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      • MXMOM
      • MXMOM
      • 1 yr ago
      • Reported - view

      nolesrule I don't think we have that in Canada. 

      And hey, just as a total useless comment, I'm sending my hubby down to your neck of the woods next week for a golf trip with a work colleague. 

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  • What a bizarre feature not to have. As a new user (on day 5)... wanting to have my scheduled transactions already debited is like the main thing I would want...

     

    I may jump ship back to another tool...

    Like 1
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