Stuandrie If you really do require it (and I'm not convinced you do), then you're just going to give yourself a lot of extra work. However, there's nothing for you to find. Just transfer it and spend it. When you spend it is when it will require a category.

Stuandrie The "keep the change" programs are also great without YNAB but a pain with it. YNAB would have you be deliberate with your savings plans. If you want more than $X for some purpose, then just plan that from the start.

I suggest you drop the round-up transactions and make life easy for yourself.

Stuandrie 

Stuandrie said:
I do require these multiple accounts and there are numerous automatic micro-transactions that occur daily as I round up purchases and place them in these accounts.

 As a user of YNAB, you're probably better off disabling the microtransactions, and that eliminates the need for the extra accounts.

nolesrule Yep. Save deliberately. Not via gimmicks.

Stuandrie Those dollars already have a job. Changing the location (account) does not change the job (category). You're going to have to adjust the category yourself (giving that amount a new job) if you insist that the category and account balances match.

It's far less effort to drop that requirement and use categories to define purpose.

@Stuandrie  The budget page does not care if you move the money from your on budget checking account to your on budget savings account. It's like if your Eating Out category has $20 in it and you have a $20 bill in your right front pocket and you move it to your left back pocket, the eating out category is in no way impacted by which pocket has $20. Plus if you really wanted to you could go to a restaurant and charge $20 to your credit card and record the transaction in your credit card register assigned to the Eating Out category and you still have a $20 bill in your pocket.

When you added the Car Insurance Account to YNAB, the existing balance was added to your To Be Budgeted and you allocated those dollars somewhere in your budget. You should have allocated it to your Car Insurance Category. When you receive money into your Checking Account and categorize it as Income To Be Budgeted you allocate those dollars wherever - could be car insurance, could be vacations, doesn't really matter. If you want more money in your Car Insurance Category, you have to allocate it on your budget page manually either by taking it from To Be Budgeted or another category. What you do about transferring money between accounts is a completely separate action.

jenmas By the way, I have multiple checking accounts and multiple savings account. But they are not "for" anything specific; they are just pools of money. None of my category balances add up to the balance of any of individual accounts.

Stuandrie Linking can reduce the effort slightly since you don't have to manually record those transactions. That's the least of your issues, though.

That money is already part of your budget. Moving it around your accounts has no effect on the budget. So if it’s not budgeted for car insurance, then it doesn’t matter if it is in the account you think of as representing money for car insurance, you don’t have money set aside for car insurance. 
 

Did you read the articles posted above? They really will help a little. 

Stuandrie If you stop the micro transactions, you solve this problem.

The auto transfers are not the key to your saving money. Being intentional with your money is key to your saving money. 

What made you want to look for YNAB and bother to sign up for a trial? Something isn’t going as well as you think it could. So you wanted to try something different. Give the something different a real try before you decide that it won’t work as well as the thing that isn’t working. You’ll likely find, as all of us did, that this is a far simpler and more powerful way to get ahead with your money. 

Stuandrie and a slight amendment to the above: separating your money by purpose is indeed the key to saving money. Without YNAB you need to do that by having accounts that show you the amount that is set aside for each purpose. But after a certain point you end up with way too many accounts, and you have lots of moving money back-and-forth. YNAB lets you see your moneys purpose without all of the mess of dealing with lots of different accounts. So with your 12 savings accounts, you’re actually already partway there: you’re used to looking at a balance and limiting yourself to spending that much on that kind of thing. The jump you need to make is that now those numbers are your categories and YNAB and not your account balances. 

Stuandrie Furthermore, these "round-up" services and invitations to create multiple purposed accounts is in their best interest, not yours.  They hold onto YOUR money earning interest while you're scrambling to figure out where it's all going and what it's for.  YNAB will change that whole crazy paradigm for you if you start to learn how to think differently.  I think everyone here will promise you, the key to saving YOUR money is by actually KEEPING it and not giving it to someone else by "rounding up."

Stuandrie  When new money comes into your account, allocate it to a particular ynab  category (or job) such as car maintenance and don't spend from that category until you are ready to spend on the car (or whatever other job you have chosen). The allocation of money to the category is just the same as moving your actual money to a different bank savings account. I have 2 main bank accounts and it is true that the 2nd one tends to finance payments from particular categories but it isn't rigid.