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? 

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  • 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.

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  • 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?

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      • WordTenor
      • Can we agree that goals are dumb and immature? Sure.
      • WordTenor
      • 3 yrs ago
      • 2
      • Reported - view

      VoltaicShock you can delete a reconciled transaction, reenter, and reconcile again. 

      Like 2
    • WordTenor 

      So I would have to remove the original balance and then add it back?  Just make sure it is the same date so it doesn't pull in other transactions?

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      • WordTenor
      • Can we agree that goals are dumb and immature? Sure.
      • WordTenor
      • 3 yrs ago
      • Reported - view

      VoltaicShock exactly. Though figuring out the correct starting balance can be tricky. 

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    • WordTenor 

      That it can.  I had this issue with credit cards.  I saw the balance but didn't realize it didn't include the pending transactions in the current balance because it says those can change.

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    • VoltaicShock Yes, you can delete and re-enter that transaction. You can also edit that transaction (even after it has been reconciled), but only in the web app - double-clicking the amount, updating it, then saving it will get that starting balance on track. :)

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    • Faness at YNAB 

      I had issues with a credit card.  I had reconciled the account but didn't take into account pending transactions.  It would not let me change it.  I didn't try to delete it and add it back in.  It told me that it was reconciled and changing it would cause it to be out of sync.  Maybe I didn't click the right spot for me to be able to change it.

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    • VoltaicShock That message should prevent you from making changes in the mobile app, but not the web app. If that pops up again (after clicking on the entry you're trying to change), please let me know!

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    • Faness at YNAB 

      I will try this with a fake budget and see if it happens and let you know.

      Like 1
    • VoltaicShock Sounds good! :)

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  • I have had this issue before.  To fix it I had to go line by line and see where I missed a transaction or typed something wrong.  It can take awhile sometimes to do this.  My suggestion is to reconcile weekly or even daily if you can.

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  • 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?

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    • LJ If you select the manually entered transaction and the imported transaction you should be able to "Match" them using the Edit menu. That tells YNAB they're the same transaction so that it's only counted once. 

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