More Money in Bank account than YNAB

I consistently have $200 or more in my bank account than ynab shows, even with pending transactions in the bank account. What am I doing wrong? Everything seems to match. 

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  • When did you last reconcile? Are you sure you're comparing your current (non-pending) bank balance with your YNAB balance?

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  • Non pending leaves me with even more money in the bank account.  Maybe I put in the wrong starting amount? I thought the program got all my info from the bank though. Everything matches.

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  • I did the reconciliation balance adjustment and everything now matches. Don't know where the other money came from but I'm not complaining. lol. 

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    • Hi Stacy C !

      YNAB only imports your balance once. From there, the balance is updated by the transactions you enter and import. This means if your balance in YNAB isn’t matching your bank, there is a transaction problem. 

      To get this fixed, use the reconcile feature in the web app (on your computer) and compare. You could open a separate browser window for the YNAB account and your online statement to more quickly check them back and forth.

      You have total control of the balance—look for the following in your register, fix any discrepancies, and you’ll be back on track:

      • Transactions that have cleared the bank but have a gray C next to them
      • Missing transactions that need to be entered or imported
      • Transactions you entered or imported that have the wrong amount (maybe inverted, 0.34 instead of 0.43, for example)
      • Duplicate transactions
      •  An incorrect starting balance

      Since you've already made a reconciliation balance adjustment—you are good to move forward. If you'd like to hunt down the difference, you can follow the steps I linked above! 

      The more often you reconcile, the easier it’ll get. Once you’re in the habit, you’ll knock it out in a few minutes (or less!).

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  • I am the opposite - My YNAB has extra money then my bank account.  The amount on the left-hand side is the correct amount in my checking.  I have given more dollar’s jobs, then I have the funds for.  I have budgeted an extra 168.79, somewhere, somehow. I went to the month ahead to see if that is where the extra funds are budget.  I am still 168.79 over, I don't know how to take money away from categories to make everything balance.   Without adding the funds to be budgeted.  Everything has been reconciled and all transactions entered.   I just don’t know where to look anymore

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      • mamster
      • mamster
      • 2 yrs ago
      • Reported - view

      Stacey Wilkins Do you have a credit card or savings account on-budget?

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    • mamster Yes, Saving are reconciled - Credit cards not sure how to reconcile that confuses me

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      • mamster
      • mamster
      • 2 yrs ago
      • 1
      • Reported - view

      Stacey Wilkins If you have a savings account, the money in it is part of your budget. And you reconcile credit cards like any other account, by checking the balance in YNAB against what your bank says is your current (not pending) balance.

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    • mamster No - reconcile credit cards, I don't understand.  Right now my CC balance is a lot higher then what YNAB says

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      • mamster
      • mamster
      • 2 yrs ago
      • Reported - view

      Stacey Wilkins Then you need to go through transaction by transaction and see what doesn't match. 

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    • mamster on the CC?  I don't know how to do that - I guess I will have to try and figure it out

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      • mamster
      • mamster
      • 2 yrs ago
      • Reported - view

      Stacey Wilkins It's the same as for checking and savings accounts, honest! You look at the list of transactions in YNAB and in online banking and look for mismatches. If you have someone who can help you by sitting down and reading off transactions out loud, that can help a lot.

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    • Hi Stacey Wilkins !

      I just wanted to leave a quick link to our reconcile page. That should help with mamster's suggestion! :)

      You can also do a quick self audit to make sure the money in your accounts is accounted for in your budget - here's how you can do that:

      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.

      Give that a try and let us know if things aren't adding up! :)

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  • Faness I used this recommendation when after reconciling, I had exactly $90 more dollars in my checking account than I showed in my YNAB checking. I could not find where this money came from, so I made an adjustment, and naturally, I now have $90 to be budgeted. I'm worried this isn't "real" money, so I went ahead one month, added my total available amount + $90 to be budgeted. I then totaled up the amount in my cash accounts. Unfortunately, the amounts don't match up and they're off by exactly $23. Because of the exact amounts, this is making me think this is some kind of mistake I've made somewhere, but I just can't figure it out. Any advice would be much appreciated!

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      • Ally Vigil
      • Cornflower_Blue_Banjo.10
      • 1 yr ago
      • Reported - view

       Faness to be clear, the sum of my total available balance + $90 TBB was $23 more than the total of all my cash accounts.

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    • Hi Ally Vigil !

      If you’re up for it, I'd love to take a closer look at what's going on here! When you're ready, you can enable Support Access for your account. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead.

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  • Ally Vigil said:
    this is making me think this is some kind of mistake I've made somewhere

    Don't stress, it's impossible for the budget to have more money in total than is in your YNAB accounts. You'll figure it out soon. The main thing to check for is any red categories or TBB. If any, move funds from green categories to eliminate the red.

    You also want to make sure there YNAB account balances agree with the real world. Do this by reconciling.

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  • Ally Vigil said:
    I then totaled up the amount in my cash accounts

    You must also include any positive credit accounts. That is cash as well, since your next purchase hardly needs to be paid back.

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