The balance in my checking account and the amount in YNAB is slightly off and I'm not sure why.
Something is wrong in YNAB, that's why. 😉
I say that cheekily but that's actually the only reason they will differ. You might have messed up your starting balance, if you're new, or you might have messed up putting in a transaction, or you might have made an unnecessary reconciliation adjustment. You might also just be looking at the wrong bank balance!
We need more info in order to help. Best way to fix this is to go line by line through your account in YNAB and ensure that every transaction matches to the penny and is recorded correctly until you find the mistake.
My YNAB is off by -2 grand! My bank statement comes in once a month but my I try to keep up with my expenses by downloading from my bank every couple of days. I can't balance then because it is never in sync and by the end of the month it is even worse. I just went through my entire Sept. statement - everything was listed in YNAB and the statement.
I had already reconciled in the middle of the month - probably incorrectly - so I subtracted what was before that reconciliation from the bank's balance to find where I am out now and it was even worse. I decided I would delete the reconciliation from a few weeks ago to try and fix it (I was behind in doing anything, so am playing catch up) and now I am off even worse than before.
It seems that my bank balance is never the same as YNAB though. I do have to download my bank to YNAB as there isn't a direct link but there must be something else I am doing wrong. Really frustrated.
I was so happy to get everything organized and get my spending plan together for the next three months and then I tried to balance my checking account today and had to give up. This is why I have spent years NOT doing this!