"To Be Budgeted" incorrect

I was trying to create a new budget for next month and the "to be budgeted" amount that is showing is incorrect. The amount does not reflect what I have in my checking account. I've only been using YNAB for a month so I may be doing something incorrectly. 

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  • Hi, Sky Blue! Your To Be Budgeted amount should not be the same as what's in your checking account. It simply reflects all income (transactions categorized as "Inflow: To Be Budgeted") that hasn't already been budgeted--that is, dollars that don't yet have a job. Since you've already given some of your dollars jobs, your TBB is probably lower than what's in your checking--and that's good. You should always try to budget down to $0 in TBB, which is NOT the same as spending all of your money. It means you've declared intentions for your money by giving it a category (which could be for immediate spending, future expenses, long-term savings, sending to a retirement account, or whatever you decide).

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  • Hello!

    I'm having this same issue, and I am not sure how to fix it. I just set this up yesterday and manually entered in the exact amount of money I have in all of my checkings and savings accounts, however, my TBB is showing an excess of $200, and I have no idea where it's pulling that data from. I also can't figure out how to get it back to equal the amount I actually have. I tried reconciling my accounts and that didn't work.

    Any suggestions? 

    Thank you,


    • Gold Cheetah Make sure you don't have any negative budget entries? If you only set up YNAB yesterday, there shouldn't be much to complicate things. Perhaps your starting balances included pending charges? They should only include transactions that have cleared.

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    • Hi Erica! Gold Cheetah 

      When you reconciled your accounts, were the account balances correct? If so, then the correct amounts should be accounted for in your budget.

      To trust your budget, you can check to be sure that the Total Available matches the total amount in your cash (positive-balance) accounts.

      Here are the steps you can use to verify that the amount in your account(s) matches exactly with your budget in YNAB—no more and no less.

      1. Advance to next month's budget or the furthest in the future you can go, if you've been budgeting ahead. (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.

      Now, if you’d like any dollars to be in a different category, you can confidently move money. I hope that helps! Let me know if you still have questions, I’m happy to help!

  • @faness  @move_light_sound_life

    Thank you for your help! I got it figured out. There's definitely a learning curve with YNAB, but its great so far.

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