Why do I need to type the comma in the webapp

Hi,

When I am typing an amount with decimals (say 23.04 USD) in the mobile app, there is no need to type the comma. The comma is placed automatically and am just typyng numbers: 2-3-0-4

But in the webapp, this is a must. I have to type it manually.

Therefore, I have to get used to input the number in two different ways, depending on which app I am using, which is little bit confusing and annoynig because I am making quite often mistakes.

1. Solution ONE

Because in the mobile app, the input method is so much easy (even so I have to type the decimals "00" for all the round numbers), I believe it would be better to adopt it also in the web app. This change, if it will come, it will definitelly make my day :)

2. Solution TWO

I would consider a "checkbox" in the Budget settings section, such as "use decimals YES/NO". This kind of functionality would make the input much easier both for mobile- and web-app users. There was a nice Podcast sometime ago and Jesse rise exactly this kind of issue: "what is the amount that you would not care, if you would just lose it?" I tend to believe that for most ynab-ers, the decimal amounts are simply not at all important and further more I expect many of us would input our transactions much easier just using rounded numbers. MS Excel has this feature since always. Also the very-very-first version of ynab had it ;)

Thanks,

Adrian

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  • Hi Adrian,
    Thank you for taking the time to let us know that you'd like to see similar comma/decimal entry in the web and mobile apps! I can totally understand wanting to see this kind of cohesion across platforms. Our designers are researching and gathering data about things like this on a daily basis, so I'll make sure they see your feedback. 

    It's so interesting to me that the very first version of YNAB allowed for rounding. Because of how reconciliation works in this newest version, it's important that your YNAB accounts match your real-world accounts -- down to the very last cent. So while there's no rounding, you will have perfectly accurate and trustworthy balances :) 

    I'm going to go ahead and move this thread over to the App Functions category of the forum so others can comment on it! 
     

    Reply Like 1
      • Adrian
      • free
      • adrian_sarghi
      • 1 yr ago
      • Reported - view

      Janelle at YNAB Hi Janelle and thanks both for understanding my suggestion and passing my feedback to the "designers team". Two comments :

      1. I believe the very very first version of YNAB allowed for rounding, just because it was Excel based 😉 
      2. Talking about the reconciliation of the real-world accounts (I am doing this regularly), I would encourage all of us to think twice if the last cents really matter. Let's say an account shows a balance of $ 1,000 in ynab and in fact it is $ 1,000,33. Can this mismatch of 33 cents ever become a serious issue? 🙂

      "Budgeting should be about consistency and simplicity, not about perfection." 

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

      Adrian Reconciling accounts is not about budgeting. Account management should be accurate lest you have difficulty tracking down erroneous transactions or erroneous data entry. There are mathematical shortcuts you can use to track down discrepancies during reconciliation, but they only work if your transaction data is accurate.

      This becomes even more important for accounts that cannot make use of Direct Import and transaction matching.

      Reply Like 2
  • Inputting transactions and budgets to the penny (or cent) is extremely important. If you just ignored all the amounts after the decimal point then your accounts and budgets would very quickly become massively out of sync, even after just two or three months, as they would accumulate. So it's completely a non-starter for me and I would guess most YNABers, so I have to disagree with you Adrian on that point.

    Reply Like 3
  • Thanks alexmidd for your thoughts.

    If I understood well, your argument would as following: when entering transactions as rounded numbers for 2-3 months, the lost cents would accumulate into a significant difference, between real-world accounts and YNAB accounts.

    While this might be true, I tried to see the facts 🤓 and I made a simulation in MS Excel, using my real ynab transactions from last full month (November 2017), rounding -up and -down all the figures for all transactions. 

    I got some interesting results:

    • OUTFLOWS: I had 74 transactions in November, which amounted for 23,298.11 RON. After I rounded the decimals for each transaction, the total was 23,304.00 RON. Difference is +5.98 RON representing +0.03% from turnover or +8 cents/ transaction.
    • INFLOWS: I had 10 transactions in November, which amounted for 24,620.35 RON. After I rounded the decimals for each transaction, the total was 24.621,00 RON. Difference is +0.65 RON, representing +0.003% from turnover or +7 cents/ transaction.

    This being said:

    1. In my opinion, the differences resulting from inputting rounded transactions do not look significant.
    2. I am reconciling my budget at least once every month. I am never waiting for 2 months. The funny fact is that even nowadays, despite the fact that I am inputting manually each and every transaction very tedious up to the very last digit, I am still and always noticing differences between ynab and real-world accounts.
    3. Not everyone is budgeting in USD/ GPB/ EUR/ JPY. Some countries have exchange rates such as 4 RON:1 USD (Romania) or 100 RSD: 1 USD (Serbia) by example. This fact makes the decimals to be even more insignificant comparing to USD, simply because the money are less valuable.

    4. However, I can accept that for some of us the decimals might be important. My suggestion however was to implement an option to work without cents/digits, not an obligation. It might be implemented in ynab in the same simple manner as the "Currency Symbol Placement" (before the amount, after amount or don't display). In this way, we recognize that each ynab-er has different priorities, but all of us can work and focus on what really matters for him/her.

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

      Adrian That's too small a sample size, and doesn't account for data entry error that requires additional effort to track down and take corrective action.

      Reply Like 2
      • JoeDid
      • Remember: It is To Laugh
      • Purple_rain
      • 1 yr ago
      • 3
      • Reported - view

      Adrian A mere 10 transactions don't come close to representing a year's worth. At any rate, I don't think your argument has legs: Having worked in banks for years, I feel every penny does count, especially when multiplied over months and years. I don't believe the programmers will elect to implement the option you're suggesting.

      Reply Like 3
      • Adrian
      • free
      • adrian_sarghi
      • 1 yr ago
      • Reported - view

      JoeDid  Thanks for input. Working in a bank makes indeed for a relevant point of view.

      74 outflows + 10 inflows makes 84 transactions in one full month.

      This is really what I am having, while I am handling 2 mortgages, one real estate investment in progress and a family.

      I would be curious how many transactions do you have pe one month.

      Reply Like
      • JoeDid
      • Remember: It is To Laugh
      • Purple_rain
      • 1 yr ago
      • 2
      • Reported - view

      Adrian For the last full month I had 63 transactions. (All reconciled to the penny! :) )

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

      I had 192 transactions in November. Currently at 99 in December. 2674 in 2016 and 2618 in 2017 with 3 weeks to go.

      Reply Like 1
  • Adrian As nolesrule says, the main issue with your thinking, in my opinion, is that not using exact amounts would make tracking down errors an absolute nightmare.

    Reply Like
  • I am very much against “rounded” numbers. But agree that the different handling of decimal point is irritating. Could you make an option for those want automatic decimal insertion?

    Reply Like 2
      • WordTenor
      • Arranged the menu, the venue, the seating.
      • WordTenor
      • 1 yr ago
      • Reported - view

      BradfordNelsonHull this has the added benefit of scaling for currencies that don't often use fractions. Prices are in thousands of Rupiah when I go to Bali--I'm hardly even tracking tens of Rupiah, let alone *tenths* of Rupiah. 

      Reply Like
  • Hello. I would like to make aware everyone that the "Number Format" was changed  in "Settings" and now it is allowing us to input whole numbers, only rounded transactions, no more decimals. If and only if we want so. I gave it a try and loved it. It works like a charm. I am having more CLARITY than ever before, this is the most important benefit. I am also inputting the transactions  faster and I am making the budget easier. That's one small step for YNAB, one giant leap for myself. Thanks! 

    Reply Like
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