My balances don't match
I went in and imported transactions and then manually entered what I spent over the weekend that hasn't shown up in YNAB just yet. My bank shows 300 dollars more in my balance and that takes into account what is showing as pending transactions (the balance reflected already deducts the pending transactions). So why is YNAB showing that I have so much less of a balance?
Hi LJ !
When balances don't match, it can take some investigation to discover why. This process is called reconciliation.
Since we don't have access to your bank information (which we shouldn't have!), we can't compare transactions and help find those errors – but we do have resources for you. In our Help Docs, you can follow step-by-step instructions on how to reconcile your accounts. Make sure to check out the video near the bottom!
Here are a few things that could be throwing off your balance in YNAB:
- missing transactions that need to be entered (sounds like you covered this part!)
- an incorrect starting balance
- transactions that are cleared at the bank that don't have the green "C" in YNAB
- inverted numbers (entering $20.54 instead of $20.45)
- entering a transaction as outflow instead of an inflow
Look for any of these between now and the last time you reconciled.
The more often you reconcile, the quicker it will be to find any discrepancies. If it's a small amount, we do recommend making a balance adjustment — it keeps you focused on making good decisions with your budget.
Faness at YNAB said:
an incorrect starting balance
I noticed you said this. Here is an issue I have with this. Say I import and then reconcile. I am not able to go back and change my starting balance. I had this issue with Credit Cards. How would one go and fix this?
Faness at YNAB
I manually entered a purchase from Wal-Mart that I split between 3 categories. It currently has a grey 'C' next to it.
I just imported and the actual transaction came through and shows as cleared. How do I handle that, because now it's showing up that the same transaction essentially happened twice- one that I entered manually and one that imported?