# Problem with assets vs to be budgeted

My "to be budgeted" is quite a bit more than I have in my account (approx 100\$). How can this be?

Everything reconciles and everything´s been correct since august. So I don´t even know where to start...

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• Do you have overspending, including in hidden categories?

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• I have a similar question - is there some way you can use to "cross check" between your budget and you r actual account values? I want to make sure that I actually have, in my accounts, the money that my budget thinks I have in the accounts as available. But, I am not really sure what number to use.

I have 2 checking accounts, 1 credit card account, and a small litter of capital one accounts.

I was thinking it would just be the sum of the checking accounts compared to the "available" summed amount from the expenses categories, but it's a bit confusing.

Is there a quick way people use to 'eyeball' this?

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• WordTenor
• I have the honor to be your obedient servant
• WordTenor
• 2 yrs ago
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Alice Blue Panther

All the money in your budget = All the money in your accounts

All the money in your budget = All money available in this month + any money budgeted in a future month + any money TBB this month

All the money in your accounts = All the money in all cash- based accounts = All money in checking accounts + all money in savings accounts + all money in  cash accounts

Therefore

All the money available + any money TBB in the latest month in which you have budgeted money = All money in checking + savings + cash

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• Hi Violet Tape (and Alice Blue Panther , who asked something similar!)

Once you've made sure that your accounts are reconciled, here is how you make sure everything in your budget adds up correctly too:

1. Advance to next month's budget. (The math is easier there, because all overspending is covered.)

2. In the right sidebar, when no categories are selected, you’ll see your Total Available amount, which is the sum of the Available column.

3. Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable.

• Let’s stop here for a minute, just in case your To be Budgeted was negative. 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. 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 zero.

4. Now, add up the cash in your accounts. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable.

5. Your totals in step 3 and 4 should match up exactly.

Now, if you’d like any dollars to be in a different category, you can confidently move money. :)

I hope that helps!

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