rlogue06 I added you as a plus one on that feature request! :)

Faness at YNAB 

Thank you, much appreciated!

Faness add me too 

Faness at YNAB Exactly how I do it as well.  I was initially worried about losing the ability to reconcile to a specific date, but haven't missed it.  In fact, I ran into a few cases in YNAB4 where trying to reconcile to the exact date of the statement presented problems based on the timing of some transactions.  That is not an issue in the new YNAB.

Faness at YNAB My accounts are all setup to automatically import but right now my online account and YNAB don't match and I don't know why. I haven't done anything different. This happened to me recently with my Credit Card account where YNAB did not import 2 days worth of transactions and I don't know why. I even turned off the importing, redid it and it still didn't import them. I had to manually add them all in.  This is why other ways to reconcile would be helpful - when technology causes glitches or even human error happens.

You can't see your register balance can you? I'm not missing something , am I?

bobbucy I'm happy reconciling in the new YNAB works well for you! :)

J Canter While there isn't a running balance column in the new YNAB, the Selected Total feature can help you figure out the balance of your account on any particular day:

- In the search field, begin typing the date you’d like to check.
- Click on “On or Before [Date]” from the drop-down menu.
- Select all the transactions using the checkbox above the first transaction.

In the upper right corner, you’ll see the Selected Total value which is the balance of the account on that day.

If a transaction was in your account and then deleted (by accident or on purpose), you can't re-import the transaction into that account. You'd need to manually enter transactions or create a new account and move the transactions there in order to have those missing transactions appear - this is to prevent the same transactions from importing more than once.

Give the Selected Total feature a try and let me know if it helps!

J Canter The Chrome Toolkit allows you to have a running balance but that's just  for the browser version

Faness 
I'm not able to easily reconcile by the current Account Balance shown on my CC. It has to do with how RBC displays their transactions and balances. The "Current Balance" is shown and assumedly up-to-date, so is reflecting transactions that have taken place same day, but which also take a day or two to show up on the transactions list. To compound this issue, only the credit and debit amounts are listed beside each transaction. There is no running balance associated with the transactions to show what it was on previous dates. I also need this feature, so I can reconcile based on a statement. Mine are digital, but the same premise seems to apply to me because of how my online banking displays.

Hi Hot Pink Yearling !

I actually have the same issue with Chase bank in my personal account. The transactions in Chase show in a different order than what they import in YNAB, so I use the Selected Total feature to tally the transactions in a different order for each date. 

Since this thread was created, we've changed how we collect feedback. You can fill out our Feature Request form to let our development team know exactly what you'd like to see moving forward! :)

Gold Falcon Pending  transactions are not included in the number that YNAB suggests is the balance when you reconcile.  You should always be matching the cleared balance at your bank to the cleared balance in YNAB. 

 If you are trying to reconcile to a date that is in the past,  you will need to ensure that any transactions since that date are left as pending,  which may require manually "un-clearing" them. 

WordTenor Sorry, I meant pending transactions in my bank account. They aren't pending in YNAB, which is the problem. In order to make them pending in YNAB to match my bank, I would have to adjust the date on every single one of them, which seems incredibly inefficient. So, I grab the overall balance from my bank (including pending), which should technically match YNAB, assuming the pending amounts match what is in YNAB. Today, they were accurate, so they matched what YNAB had, so everything should have washed. I was $180+ off. :( I'm a bookkeeper, so I get all of the accounting/reconciling stuff (I use QB for my business), so there is just something "off" about this process in YNAB. Maybe I'm overthinking it, but not being able to reconcile is DUMB. :) Thanks for your suggestion, though!

Gold Falcon You're definitely overthinking it. Not all banks make the cleared balance obvious these days (they now err too far in the other direction, IMO), but you should still be able to find the cleared balance. You should never try to match a working balance. 

A transaction which hasn't cleared your bank shouldn't be cleared in YNAB. So "they aren't pending in YNAB" should not be a thing. If they are pending at your bank, they should be pending in YNAB. 

To reconcile to a past date, you unclear all transactions which cleared after that date. So if you got a statement for February 28 that says the cleared balance on that date was $1000 and since then, you've spent another $200 which has cleared, you have to unclear the $200 to get the numbers to match. The intended current method is a nod to the fact that the majority of new budgeters use their online account balance. So they look today at what the cleared balance is today, and check that it matches YNAB, and click reconcile.  If you want to do something other than that, it's more complicated to do. 

You're not alone in being a financial professional who is confused by YNAB. The system is much simpler in execution than what you are probably used to. In five years of using the software and communicating with other users on various forums, I've often found that it's the accountants who bang their heads against the wall longest. Try not to overthink it! :) 

WordTenor Thanks for your feedback! I understand and am doing all of that. Still off on my reconciliation, so not sure what is going on. I've gone back 4 weeks to verify all transactions match what is actually in my bank and am still off. Guess I will just have to let it go and try and reconcile daily to see where things get off. I definitely need to identify if it is user or system error, as I can't keep using YNAB if I'm constantly battling these issues! :)

WordTenor I'm guessing that's part of my problem since I'm a CPA. But I still like one monthly reconciliation rather than having to log onto multiple accounts several times a week.

Pieter Nagel Pending transactions aren't included in the reconciliation, so you'll want to compare cleared balances in both places. You can also use the Selected Total feature to help you figure out the balance of your account on any particular day:

- In the search field, begin typing the date you’d like to check.

- Click on “On or Before [Date]” from the drop-down menu.

- Select all the transactions using the checkbox above the first transaction.

In the upper right corner, you’ll see the Selected Total value which is the balance of the account on that day.

Let me know how it goes!

Janelle Thank you!

maryv Fill out the Feature Request form that Janelle posted a link to above.

VanillaCottage Did so yesterday - saw it after posting! Thanks.

Hi Steel Blue Harp !

Are you having trouble reconciling to a certain date or reconciling in general? WordTenor mentioned a work around to reconcile to a certain date, but if you're trying to pull in transactions from the last 6 months try File Based Importing. That will allow you to import your transactions - any that were already imported will be skipped and any that you manually entered will be Matched.

That should help bridge the gap you're currently seeing! :)

That's helpful to know,  Hot Pink Trumpet ! Have you sent this into our development team through the Feature Request form? 

Veronica at YNAB Just did, thanks for the link !

Tomato Piranha Thank so much for letting us know! We’re always working to make YNAB better, and feedback gets digested by our design team, so I'm going to pass this on to them. You may not hear back with specifics, but our research operation is in full swing!

Forest Green Foal 

If you still want to reconcile against your statement balance, that's definitely possible! Here's how:

1. Mark all transactions in your account register that occur after your statement's closing date as uncleared (select those transactions and hit the "c" key on your keyboard to do this with multiple transactions at once).
2. Click the reconcile button at the top right of your budget and enter the statement balance instead of your current account balance.
3. Clear transactions from before that statement date until the Cleared balance of your (YNAB) account matches your statement balance - YNAB will automatically show you how close those balances are.

That should do it! If you have more questions, please let me know!

Faness is exactly right! This is the procedure that dakinemaui and  I posted above. 

Forest Green Foal 

Let me see if I can explain our thinking here. :)

The amount of money available for you to budget in YNAB is directly based on the amount of money in your bank accounts (so you can Give Every Dollar a Job!). As a result, if your account balance is off by +$100, you might think you have an extra $100 available in your budget. To avoid that issue, we recommend reconciling against your current account balances rather than the statement balances.

This isn't to say that option can't make a return! The feature requests we receive are analyzed and coded so our development team can keep track of them and see just how they'd help users. They then use that information to update the What’s Up Next page. :)

Hi Bob Colclough ! I'm sorry to hear that you're having trouble. We have a Transition Guide all about the changes between YNAB 4 and the current version that should help there!

If you want to reconcile against your statement balance, here's how to do that:

1. Mark all transactions in your account register that occur after your statement's closing date as uncleared (select those transactions and hit the "c" key on your keyboard to do this with multiple transactions at once).
2. Click the reconcile button at the top right of your budget and enter the statement balance instead of your current account balance.
3. Clear transactions from before that statement date until the Cleared balance of your (YNAB) account matches your statement balance - YNAB will automatically show you how close those balances are.

That should do it! If you have more questions, please let me know!

Nicole I suggest you add a step 0 to Flag those post-statement transactions that need to be un-cleared. This makes it easier to re-clear them after reconciliation is complete.

dakinemaui Of course, that would be much easier if there were a way to change multiple flags in a single operation.  I submitted a Feature Request for that over a year ago, and it hasn't happened.  Oh, wait . . . Toolkit fixed that.  I believe the guy who coded it said something like, "It only took until I actually used flags for me to realize how necessary this feature is."

I conclude that no one at YNAB actually uses any of the no-brainer stuff we'd like to have fixed.

Hi rog !

Sorry for the trouble! There are steps listed above on how to reconcile up to a certain date, but I understand wanting to simplify that process. You can let our development team know by submitting a Feature Request. :)

Faness How many more feature requests must be made before this becomes something the YNAB development team will look at adding? :)

Faness I don't have a dog in this fight, but for linked accounts your competition offers a choice of reconciliation to the linked bank balance or reconciliation to a statement:

Hi Slate Blue Hammerhead !

We don't keep an exact number of required feature requests for a feature to be implemented. Each feature requests goes to our development team, so they'll see each new submission and it'll update their database.

Patzer Thank you for sharing that screenshot! It's interesting to see the other options available.

Bob Colclough 

It's not that YNAB has too few resources; it's that none of the resources are ever devoted to no-brainer fixes like a Save As function, Reconcile to Date, or changing multiple flags in one operation.  Instead, we're told these are unnecessary and YNAB focuses on rolling out color changes or API functionality for a 3rd party that none of us have ever heard of.

Customers:  We need this thing.

YNAB (covering ears):  La, la, la, I can't hear you!

Bob Colclough Not if it means having to admit that something was a bug an unintended feature.

OregonRider Thank you for taking the time to submit a feature request! They're an important part of our research as we look into ways to continue to improve YNAB. :)