Total Available Does Not Match Account Balance

I just started YNAB this month. I got a little behind in budgeting (already!!) but entered transactions and then back-filled the budget (maybe that was my mistake?!). Now my checking account balance on YNAB matches my actual checking account balance and I have $0.00 left to budget, but when I add the Available amounts in the Budget together, the total does not match the balance for my account.

What did I do wrong?!

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  • Thank you so much! I posted it here: https://support.youneedabudget.com/t/m20b85

    Like 1
  • Hi, I have this issue and would like help resolving it.  My total available is precisely $50 more than my actual account sum and I can't figure out why.

    Like
      • Cyan Mask
      • Cyan_Mask.9
      • 8 mths ago
      • Reported - view

      Cyan Mask Scott D. Winter

      Like
    • Hi Cyan Mask ! I'm happy to help track it down. Did you check your closed accounts for ones that might have a balance?

      If you’d like us to hop in and look closer, go ahead and enable Support Access for your account. Once you have, let me know—mention the name of your budget, and if you’d like to continue the discussion here or via email. 🙂

      Like
      • Cyan Mask
      • Cyan_Mask.9
      • 8 mths ago
      • Reported - view

      Nicole Hello, I have enabled support access for you.  I only have one budget on my account.

      Like
  • Faness Nicole  Same problem. I have followed all the steps (Support Access is enabled) and still cannot resolve. 😥  Current budget I am using is called Practice

    Please note I am "math challenged" 😂, so PLEASE talk to me like I am a 4 year old. 

    Also, because I'm on Disability pension, this budget is set up using dakinemaui 's overdraft template/system

    Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Rottie Lvr My understanding of how disability pensions work is that they provide money on a monthly basis. This on its own would not mandate using an overdraft setup. However, if you also have an overdraft agreement that allows your checking account to go negative, using an overdraft setup would, of course, make sense. (It's a separate consideration apart from the pension income.)

      Or perhaps I've misunderstood how your pension works. Please elaborate, and I'll be happy to help sort things out.

      Like
      • Rottie Lvr
      • Rottie_lvr
      • 7 mths ago
      • Reported - view

      dakinemaui yes, i get it monthly. i do have over draft on my chequing account, thankfully. i'm always over drawn because of little income

      i've attached a screen shot of my horrible finances.

      Motus is a savings account

      thank you

      Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Rottie Lvr YNAB will ensure the total money in the budget matches the total in your cash-based accounts. You can verify this if you like:

      Total money in the budget:
      Total Available + To Be Budgeted + Budgeted In Future = 550.87 - 392.71 + 0 = 158.16

      Total in cash-based accounts:
      Chequing + Savings + Motus + PrePaid Card + Overdraft = -977.75 + 32.73 + 83.18 + 20 + 1000 = 158.16

      (I'm pleased to see you have no overspending! Keep this up!)

      You may be getting hung up on the fact the budget defines purpose but doesn't care about location. Dollars in the chequing account are indistinguishable from those in the Savings account, so given sufficient account balance, a category can be in whichever account you wish.

      On the other hand, YOU certainly care about location when it comes time to actually pay someone. Arranging that "sufficient  balance" I mentioned is up to you. In your case, I think you would benefit greatly from consolidating all money (except for the overdraft funds) in the chequing account. In that case, there's nothing to arrange. Transfer the Savings and Motus account money, and spend the PrePaid card on a budgeted purchase. After that, I think things might be easier to understand. I would guess that you feel like there's already enough complexity from the overdraft and CCs! 🙂

      Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Rottie Lvr 

      There is the additional issue of the negative TBB, which you need to fix now. The only way to do that is to reduce budget entries in one or more green categories (perhaps even using a negative budget entry). I suggest that you pick on the lowest priority category first and repeat until TBB is $0.

      Also keep in mind the Overdraft Reserve category is just another priority to assess. If you've exhausted all the lower priority categories, leaving the Reserve category as the lowest priority green category, then so be it. Implicit by this choice is that you're increasing the amount of Overdraft funds in the spending plan.

      Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Rottie Lvr 

      Lastly, I don't know how much is in the Overdraft Reserve, but I notice your CC Payment categories will likely not have enough to enable payment of the statement balance. If the CC interest rate is more than the Overdraft interest rate, you would be wise to shift enough funds from the Reserve category to allow paying of the CC statement balance (thereby paying less total interest). 

      Like
    • Hi Rottie Lvr !

      I took a look and the negative To Be Budgeted is making it seem like you have more money available than you do. 

      Your overdraft is listed as having $1,000. If you subtract your Checking account balance (-$977.75) from that you get a positive $22.25. If you add that to your Savings account ($32.73), Motus account ($83.18) and PrePaid Card ($20), you get a total of $158.16.

      $158.16 plus your negative To Be Budgeted (-$392.71) equals $550.87 - the Total Available amount. 

      The negative To Be Budgeted is inflating your numbers. Once you address that things should look more in line with what you're expecting to see! :)

      Like
  • Hi Faness

    I am having the same problem. I have just set up my budget for the 3rd time. The last few all didn't balance either and when I went into the new month I ended up with an overspend from the previous month which your colleague asked me to do an adjustment for, which I did but it didn't seem to help.  

     

    Anyway, in my new budget, the To Be Budgeted amount is $6775.92 more than what is available in my accounts. I have removed all budgeted amount.  So nothing is budgeted for yet, and zero for Overspent in Sept, Budgeted in Oct, Budgeted in Future.  The budget only has less than 20 transactions in it (manually imported from my bank account)

     

    Problem 2: Starting balance (dated 7th of Oct) is being reduced by transactions that happened earlier (1st and 5th of Oct). 

    When I set up my new budget on the 6th, I also created a credit card account and put in the starting balance (as of that day). Subsequently when I imported my bank transactions, the amount from two transactions which happened earlier in the week  ended up reducing my total Cleared Balance. But since these transactions happened BEFORE I set up the account (and therefore before the starting balance), they have already been taken into account in the starting balance. Why are they reducing my cleared balance? Do I not put them in? Or do I work backwards and make the date and amount of starting balance for a date BEFORE these two transactions happened?

     

    Thank you. 

    Like
      • satcook
      • satcook
      • 7 mths ago
      • Reported - view

      Cadet Blue Violin Cadet Blue Violin delete the transactions that are before your starting balance. Then reconcile your account to make sure it matches the bank. 

       

      Then your TBB should be correct. 

      Like
  • Thanks satcook.  These 'before starting balance' transactions are there because these are funds transfers from another account. Does this mean, I would have to delete the corresponding transaction from the other bank account too?   

    Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • 1
      • Reported - view

      Cadet Blue Violin in that case, it may be easier to increase the starting balance and keep the transfers.

      Like 1
    • Hi Cadet Blue Violin !

      Here's a quick video on adjusting your starting balance - you'd just need to update the inflow. If you change the amount to factor in those transfers it should get you back on track! :)

      Like
  • I have a similar issue.  My budget account totals balance with what is actually in my bank accounts, and wallet, but the category balances say I have $255.06 more than I physically have.  I have been very meticulous with inputting income and transactions, and have been using YNAB 4 for many years now.  As far as I can tell, there are no outstanding payments from my credit card, and everything should be resolved.  I have no idea why it says I have more money than I actually do.

    Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view
      Adam E said:
      the category balances say I have $255.06 more than I physically have

      You likely have a red, negative category balance or TBB.

      (I can't tell if you're still using YNAB4 at this point, but it's the same in this respect.) Agreement between the total cash you hold and total funds in the budget is baked into YNAB.

      Also, if you are using the web YNAB, the Total Available is strangely decreased by the amount of credit (yellow) overspending. In other words, it is not necessarily a cash-only metric. This discrepancy is not present in next month's area, so use next month's area to ensure a true picture of the cash in the budget (Total Available + Budgeted In Future + To Be Budgeted).

      Like
      • Adam E
      • EISBREAD
      • 7 mths ago
      • Reported - view

      dakinemaui Yes, I am using YNAB 4.  What is TBB?  Also, I think I figured it out, but it would probably give me a headache to try to explain it right now. :)

      Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Adam E TBB (To Be Budgeted) in the current product is the equivalent of ATB (Available To Budget) in YNAB4.

      The only issue is you didn't add the category balances correctly. You must include all categories, including red/negative ones.

      The money in the budget matches the total money in your YNAB accounts. Always.

      Like
      • Adam E
      • EISBREAD
      • 7 mths ago
      • 1
      • Reported - view

      dakinemaui Thanks. Well, it didn't match in my case, and that's what confused me because I know it should.  It looks like I had entered a transfer from my Line of Credit account (which always has a negative balance) differently than I normally do about 6 months back, and it was telling me I had more available than I actually do.  So sadly, I'm a little poorer right now than I thought I was. But thank you for the help.  I think it's back to normal now. :)

      Like 1
  • I'm having this problem as well.  My actual account numbers are correct and reconciled, but my budget is carrying extra money, anywhere between $770 and $650 (it varies month to month).  Not sure what I'm missing here, as I pay off my CC's every month.  Thoughts?

    Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Aquamarine Trumpet 

      First of all, make sure you do not have any red numbers (categories or TBB). ETA: ... in the current month.

      After that, can you please tell us why you think there's extra money in the budget?

      Like
    • dakinemaui Thanks!  The only place I have red is in my credit card line item when I migrated to a new budget in June.  I was mid-statement period when I migrated, so it brought over a sizable balance, but that balance was paid.  Still, it left a several thousand dollar red mark in that line just for that month.  Every month after is green.

      Answering your second question?  I have zero idea.

      Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Aquamarine Trumpet Something must have made you think that you have approximately $700 of extra money in the budget compared to your accounts. What are you seeing that gave you that impression and prompted your post?

      Like
    • dakinemaui I wish I knew!  It all started when YNAB told me I overspent $95 in September even though all my balances were green (still not sure how that happened, but I fixed it).  That's when I started unraveling everything to find out that my budget has consistently been several hundred off from my actual accounts.

      Like
  • Aquamarine Trumpet said:
    my budget has consistently been several hundred off from my actual accounts.

    Well, this seems to be why you feel there's something amiss, but I'm not clear what you mean by "off".

    You should look at the very first reply in this thread describing how to compare the budget funds to the account funds. What do you get for totals in Step 3 and Step 4 (described in that post)?

    If they agree, then nothing is "off". More correctly, you merely desire a different allocation than you currently have. The solution is simply to move funds within the budget until you're happy with the distribution.

    Like
    • dakinemaui The total for the budget is several hundred dollars more than the total for my accounts.  Which is what I mean by "off."  I thought I was pretty clear about that?

      Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • Reported - view

      Aquamarine Trumpet How specifically did you compute the total for the budget?

      Like
    • dakinemaui First I added the total of all my accounts, subtracting any credit card balances.  Then, I compared it to the Total Available amount.

      Like
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • Reported - view

      Aquamarine Trumpet The budget is cash-only. Do not subtract your CC balances if they are negative (which is typical). The full procedure is in the first reply to this thread.

      Like
    • Faness   I believe I have "Total Available" balance mismatch. Please advice!

       

      Like 1
    • Hi Magenta Stallion !

      Based on that screenshot, I see $6,653.82 in your cash accounts. There's $9,722.01 Total Available, but if you subtract the $3,068.19 in overbudgeting (the negative To Be Budgeted amount at the top) then you'll get $6,653.82. Those numbers match, but you'll want to move money to cover the overbudgeting. We want to get that To Be Budgeted figure back to zero. :)

      Like 2
    • Faness should I be moving money out of primary source or income?

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

      Magenta Stallion You budgeted $3000+ more than you have. You need to stop when you get to 0 until you get paid again. To correct where you're at now, you need to reduce your categories and transfer the money back to To Be Budgeted until it is 0.

      Like 1
    • Magenta Stallion It looks like you may also be using categories for income. We'd recommend categorizing all of your income as Inflow: To be Budgeted. It makes everything work more smoothly!

      You don't have to go back and recategorize any past income transactions, but I'd use Inflow: To be Budgeted for any future transactions, move all the money out of those  Income categories to To be Budgeted, and hide the Income category group. Part of the problem you're seeing, I think, is due to the fact that lots of your dollars haven't been given a job yet, because "Main source of income" isn't a job!

      Like 2
      • dakinemaui
      • dakinemaui
      • 2 mths ago
      • 1
      • Reported - view

      In the future, you can use the Payee field to separate different types of income. The Payee is what the Income/Expense report uses to define line items/subtotals.

      I would actually edit the Payees and delete the various income categories (specifying To Be Budgeted as the replacement when prompted). I'm assuming you're fairly new and therefore wouldn't have very many of them to alter.

      Like 1
    • Matthew Thank you! Income categories were the culprits.

      Like
    • Hi Faness 

       

      Based on the subtraction you did for this screenshot, I have the same issue.  Is this a problem?  For example, I reconciled March to 0 balance.  For the start of April I budgeted (mostly) same amounts as the previous month - but obviously went into the red on the "To be budgeted" - is there a way to avoid that, or is that bad practice even?  Should I only be budgeting as I have the money?  As I get paid I'll be able to cover the balances, but I want to make sure I'm not doing something wrong.  Attached is my screenshot - if that helps at all.

       

      Thanks!

      Like
    • Orchid Pony Thanks for the screenshot! Yes, you'll want to only budget the money you have on hand (Rule One: Give Every Dollar a Job). If you budget dollars you don't have yet, you can't trust your categories and that's why To be Budgeted goes red and negative. The solution is to move money until it's zero. :)

      From your screenshot, I'm seeing $4632.66 in Total Available and when you subtract the negative To be Budgeted($100.00 is from overspending in March), to get $2,223.60—which matches the amount in the cash accounts.

      Like
    • Orchid Pony Check out the Budget Template article, which uses a combination of Goals and Quick Budget so you can easily plan for the next paycheck without To be Budgeted going negative!

      Like
  • Faness I'm having the same issue and cannot resolve it after everything is accounted for.  The amount Available does not match the Total Available.  Could you please help me?

    Like
    • Alice Blue Unicorn We can definitely help! I see you wrote in via email, and I sent you a quick reply. Once you enable Support Access, let me know—and we'll look closer.

      Like
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