Issue with Categories not matching my bank balance/ynab balance


I am struggling to make sure my categories match my bank balance.

I have had more success when I have moved my savings off to tracker section. 

My account amount at Ynab matches my bank balance and I move money around to make sure I am all green. I have no money in future months. 

However I notice that my green categories amount can be higher then the ynab account/bank balance account. 


I think this is a problem as i can trust my budget. For example it looks like I have enough for my car insurance however now this could be a problem.

Would someone be able to help me. 


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  • It is a bit of challenge but you should not try to match categories and accounts. It becomes complicated and difficult to maintain. There is a ton of really good information on the forum and website. Here is the key article to read to start.

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  • I recommend doing a quick Budget Audit to gain confidence in your budget. :)

    Like Navy Blue Pegasus said, matching your categories to your account balances can create a fair amount of confusion. If you're concerned with ensuring that you have enough in your checking account, for instance, there are other, easier, methods for being certain to try! Do you think this would work for you?

  • Thanks, I know that Ynab states dont worry about it. However i find for some reason im always missing money then. I think i have something budgeted for but the money is not there. Im really careful but it for some reason does not work.

    I have had more success when i have moved my savings to the tracker section (as per one of Nick True's Suggesstion.) My plan is to move any payments like car tax/yearly subscriptions to tracking where i cannot WAM them. That should help. Then it will not be an issue.


    Thanks a mil for your time

  • Make sure your credit cards are properly funded if you have any.

  • I found this in another post and think it may help you out!


    Here are the steps you can use to verify that the amount in your account(s) matches exactly with your budget in YNAB – no more and no less. 

    1. Advance to next month's budget. (The math is easier there, because all overspending is covered.)
    2. In the right sidebar, when no categories are selected, you’ll see your Total Available amount, which is the sum of the Available column.
    3. Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable.  Let’s stop here for a minute, just in case your To be Budgeted was negative. If it is, you would need to subtract it from Total Available, because that means you’ve given jobs to funds you don’t yet have. Preferably though, you would go back to this month’s budget and budget less in a few categories until To be Budgeted is back in the green at zero.
    4. Now, add up the cash in your accounts. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable.
    5. Your totals in step 3 and 4 should match up exactly.
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