Shouldn't underfunded show yellow?

I want to keep a minimum balance in a category.  I set up a Savings Balance goal. By description it states "Save this amount over time and maintain the balance by replenishing any money spent." It was originally highlighted yellow until it was funded, at which time it turned green.

After spending out of the category, it remains green for current and all following months. Since it needs to be replenished, isn't it now underfunded? I keep missing it as I skim over the budget to see were to send my money.

This happens whether I set a specific date or not.

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  • Your second picture says the goal was started next month. Go back and start the goal in July instead

    Goals wont show yellow in the future, only in the current month, the status gets determined once the previous month is concluded, effectively setting it on the first of every month and recalculating from there as the month progresses.

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    • SgtBatten I had a feeling that would come up. The reason is:

      I had set up the goal for "By September" in August. It showed yellow until it was funded, then turned green. I had cause to use some of the funds a few days ago, which caused the available balance to dip below my goal. The value continued to stay green so I started playing around with variables to see how to make it yellow again. 

      No matter what I did, even deleting and setting a new goal with September as the target month, the available funds continued to show green. The pic was just to show that with and without a target date set, it was still green.

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    • Tan Android When the month rolls over, and not before midnight on the 31st of August, then and only then will the bubble turn yellow in September. 

      The goal logic will look at the August rolled over amount in relation to the goal, and only money placed in the Assigned cell will affect its status (spending goals do take activity into account, but only across months, not within months, and only after the current month is done in real time). 

      Why make the calculations wait until the clock strikes twelve? Ask YNAB. 

      Like 1
    • Tan Android Also, you're not the only one confused by some calculations/indicators varying simultaneously with input, while others wait for the month to roll over in real time.

      https://support.youneedabudget.com/t/q6h1zdf/a-collection-of-confusion

      There are feature requests available to communicate with YNAB. This forum doesn't actually do that.

      Like 1
  • Hi Tan Android ! There are a few things to note about Savings Balance Targets:

    1. If you don't include a date, the category won't ever show as underfunded (unless you have an associated scheduled transaction). That's because YNAB doesn't know your intentions to reach that balance TODAY or 25 years in the future.
    2. If you don't include a date, the category will be green if it has anything above $0.00. It will be grey if it is empty. You can look at the pie chart to determine where you are in terms of meeting the goal. This is the case in the current and future months.
    3. Unlike Spending Goals, if you do add a date, the Savings Balance goal will show as underfunded in future months before the month rolls over.

    It sounds like this goal isn't quite what you're looking for, though: you'd like it to be a Savings Balance Target that recurs every month. That's a great Feature Request, and I hope you submit your ideas at that link!

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    • Marisa 

      Marisa said:
      Unlike Spending Goals, if you do add a date, the Savings Balance goal will show as underfunded in future months before the month rolls over.

       This is EXACTLY what I'm looking for. The problem is, in future months it was not showing as underfunded. As previously stated, but to clarify further;

      Last month I set up a goal to have "X" saved by this month. Once that happened the category showed as funded. This month I spent money in that category. After spending money in the category, both this month and next month showed up as funded.

      Taking 

      Move Light Sound Life said:
      When the month rolls over, and not before midnight on the 31st of August, then and only then will the bubble turn yellow in September. 

       Directly conflicts with your statement 

      Marisa said:
      the Savings Balance goal will show as underfunded in future months before the month rolls over.

       My experience has been that it does NOT show underfunded in future months, or else I would never had posted. This leaves me the solution of either micro managing all categories daily (I won't remember every category with an x, y, or z variable), or risk improper allocation of funds.

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    • Tan Android I'm so sorry! I lost my first response and when I retyped it, I completely skipped over saying that if you want activity to be taken into account, you*have* to use a spending goal. In that case, the activity won't be considered until the month rolls over.

      What you've got it set as now is a savings goal. YNAB only looks at the Assigned column for the savings goals. Period. Marisa was correct and I left out the differentiating detail that made mine also correct. My apologies.

       

      What you want is the savings goal with a cap that nolesrule, Patzer, et all. have asked for often. That doesn't exist. It would look at all three columns (Assigned, activity, and available). 

      *Pretend I said targets instead of goals.

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  • Tan Android said:
     This is EXACTLY what I'm looking for. The problem is, in future months it was not showing as underfunded. As previously stated, but to clarify further;
    Last month I set up a goal to have "X" saved by this month. Once that happened the category showed as funded. This month I spent money in that category. After spending money in the category, both this month and next month showed up as funded.

    The Savings Target you have set up looks odd to me. Somehow you have a Target that was created in Sept 2021, but the date the balance is due is Aug 2021. What happens when you delete that goal, and create a new one in your August budget dated for September? When you do that, you should see the behavior I described above.

     
    The Savings Target does consider the activity column (but perhaps not as expected) - if you meet the goal in the current month, you'll see that check mark: ✅goal met. If you then spend some money, the goal will still be green, but the pie will be incomplete. It doesn't prompt you to add more in the current month, but the future month will show the correct amount needed as soon as that spending occurs. 

    But I think, as Move Light Sound Life suggested, you really want a savings goal with a cap - and for that I hope you submit a Feature Request.

    If you keep having strange issues with the behavior of that Target even after replacing it with a new one, I think it might be helpful to take a peek using Support Access

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  • Move Light Sound Life said:
    *Pretend I said targets instead of goals.

     😂Need to make this my signature....

    Like 3
  • Tan Android said:
    Last month I set up a goal to have "X" saved by this month. Once that happened the category showed as funded. This month I spent money in that category. After spending money in the category, both this month and next month showed up as funded.

     Was it a repeating goal / target? If it is just a one-off save x amount by August 31st then it will be green in the following month because there is no target for the following month. If there is no date set them it will be green because YNAB doesn't know when you need it by.

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    • DexterCat It doesn't have a repeat option. It's set up as Savings balance which needs to be replenished after funds are used.

      I tried deleting the goal and resetting the target date for by next month.  I should know if it behaves as expected shortly.

      Like 1
      • DexterCat
      • DexterCat
      • 3 wk ago
      • Reported - view

      Tan Android the Savings Balance is designed for one-off savings like buying a car or a holiday. @Marissa has described why it won't show yellow when used the way you are trying to use it. It's not intended for monthly recurring targets. Essentially it is not underfunded if the target date has past and it will not be seen as underfunded if there is no date.

      I think the Needed for Spending target will do what you want, unless I've misunderstood your requirement. You set it for say $500 for the month (the date only matters if you need to prioritise for auto-assign). If you spend $200 then next month you will only have to $200 to bring it back up to the goal, so it replenishes what you have spent up to the limit you've set. You need to wait for the month to roll over before it will account for any left over funds though, if you just skip ahead to the next month it will be asking for the full $500. It WILL show yellow in future months until you've funded it.

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