Total inflows is less than actual inflow

Why is my total inflows for this month is less than my actual inflow?  I added my salary inflow on June 6. I summed all the amounts in all the 'available' columns and it does match what I have in my bank account, so I suppose everything is in order and I just do not understand the meaning of total inflows. Can someone explain, please?

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  • Total inflows in the inspector is the sum of any inflows to To Be Budgeted in the month. If you have any inflows categorised directly to a category they do not appear in this amount.

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    • monkeyhanger I am sorry, but I do not understand what does 'inflows categorized directly to a category' mean? I had this June 6 inflow as one transaction.

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      • monkeyhanger
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      • monkeyhanger.1
      • 2 yrs ago
      • Reported - view

      Cyan Grizzly If you look at that transaction in the account view does the transaction have the category 'Inflow: To Be Budgeted' for the whole amount i.e. not a split transaction?

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    • monkeyhanger no, it only has 'Inflow: To Be Budgeted' category and registered as one transaction. However, in Reports->Income v Expense Total Income shows the right amount for the month.  So what is that Budget->Total Inflows?

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      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 2 yrs ago
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      Cyan Grizzly If I go to the all accounts view and filter by May and then arrange by inflows I have 20 transactions. Some have the category 'Inflow: To Be Budgeted', some are simply transfers between accounts (so not inflows to the budget) and some are where people have repaid me for something so I categorised that inflow directly to the category. For example, I paid for a meal out recording the whole expense to the dining out category.  When my colleague repaid me for their half, I categorised that inflow to the dining out category directly.

      If I select all transactions categorised 'Inflow: To Be Budgeted', then the selected total in the top right of the screen matches the Total Inflows balance in the Inspector on the budget screen.

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      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 2 yrs ago
      • Reported - view

      Cyan Grizzly Can you screenshot what you're talking about?

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    • monkeyhanger OK, I found the missing part of my total inflows! It is in Credit Card Payments -> Bank Account category. Which for some reason has this amount in negative. If I remove the negative value it moves to the same category as payment in green.. But I do not and did not have any payments. Why is this happening and how to get rid of it?

      I also can not remove this category. Which is by design as I understand.

      Also, the activity in Credit Card Payments -> Bank Account category shows some of my transactions there, so I suppose I entered them wrong somehow? But how? Most of my transactions, even identical to these, do not fall under this category.. 

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    • Cyan Grizzly You really need to check out the getting started material related to credit cards. It will head off the many questions that you will likely ask next.

      Just a heads up on the big picture -- the Available column for any category (including the various CC Payment categories) is how much of your cash you have earmarked for that bill or expense. The budget -- by definition -- is the plan for your cash. It's up to you to ensure that plan matches your priorities and obligations.

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    • dakinemaui I understand the thing about plan for your cash. I don not use CC. I just plan for my future expenses and log my past expenses. The problem is that SOME (not all) of my transactions went into this category and I am not ably to find how are they differ from the others.

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    • Hi Cyan Grizzly !

      When you have a moment, take a look at the Quick Start Guide to Credit Cards that dakinemaui mentioned, and consider taking our Master Credit Cards with your Budget workshop. Transactions entered in your credit card accounts are considered credit card spending. Transfers from your checking account to your credit card account are payments to that credit card. If you didn't make any payments, it's possible those transactions were entered incorrectly.

      If you post a screenshot we can take a closer look at things. :)

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  • Thanks everyone for the answers! I guess there is something wrong with how YNAB handles Credit Card payments. Especially when you do not do them. So I started afresh. Exported/Imported 2 months of my transactions, removed all Credit Card Accounts and added one Checking Account. I believe that Credit Card Account should not be a default account for a new user. For any user for that matter. 

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      • dakinemaui
      • dakinemaui
      • 2 yrs ago
      • 2
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      Cyan Grizzly If you use CCs to pay for stuff in real life, then you should have a CC account in YNAB. Regardless of how new of a user you are. They are fairly simple if you follow recommended practice (today's balance, don't try to pull in old transactions, etc.).

      If you're just paying off debt without making new purchases on a card, then yes it's simplest to leave that card out of YNAB and treat it like any other bill -- just a category to plan/track the money leaving your checking account.

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      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 yrs ago
      • Reported - view

      Cyan Grizzly 

      Cyan Grizzly said:
      I guess there is something wrong with how YNAB handles Credit Card payments. Especially when you do not do them.

       Are you saying a phantom payment appeared? Or that the payment was made by a source of funds outside of your budget?

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