Account and Category "Available" balance don't match.
I have found a number of similar questions, but none really matched what I was looking for, so I opted to open a new question. This was the closest to my issue though (already marked as answered): https://support.youneedabudget.com/t/q5g02x/bank-account-balances-does-not-match-available-amounts-in-budget
I am an overseas user so I manually input all transactions for checking and savings. To reflect this properly, I have created an additional (manual) savings account and top-level category to match. When I get paid I budget money to that category (and the subcategories) and then transfer money via a transaction.
I have one main category (with a few subcategories) of savings which I transfer to every month. I recently noticed that my account balance does not match my category "Available" balance. As I mentioned I manually input all transactions, and still the account balance and the actual balance match, however, this amount is still over what the available balance is. I'm assuming this means I have this amount allocated somewhere else in my budget, but I cannot seem to track it down. All other accounts match.
Included links to screenshots of what I'm seeing to hopefully make my explanation more clear.
Category Available total: https://i.imgur.com/3vdk7jG.png
Budget total: https://i.imgur.com/gOq3B5a.png
Category transactions: https://i.imgur.com/KA0crMt.png
Any help would be greatly appreciated!
Your category balances should be based on your priorities. Just transfer the difference to make the account balances match if you insist that they should.
OTOH, you say you understand that location and purpose (account and category) are independent. So I'd ask what benefit are you getting from doing the additional work to treat them as dependent? You're almost certainly losing out on interest as well.
when the numbers match up it is a quick way for me to visually see that everything has reconciled (especially since I have to enter all transactions manually)
The fact the account balances agree between YNAB and the real world ensures everything has reconciled. That's an account-only process so you know you have everything entered correctly. In fact, you could enter every transaction without any category whatsoever and be assured that you haven't missed any transactions based on the reconciliation process.
The only thing putting a category in the transaction does is to update the future spending plan (a.k.a., the "budget"). In this manner, you get feedback whether you are meeting your priorities, represented by categories, and how much you have remaining for any given priority (in light of the fact you already spent some money toward it).
To put it simply, what I hear you saying is, "I want to synchronize because when the numbers are the same, I know it's synchronized." While that's true, it doesn't have any bearing on why you want it synchronized in the first place. 🙂 Hope this helps!