bank is reconciled, but budget doesn't match

Here's the deal:  my checking and 2 savings accounts are both linked to YNAB app.  I reconciled bank today and the accounts match my ynab accounts perfectly.  However, the To Be Budgeted is showing  $27.27 more than it should.  But if I make an adjustment to the budget, it will not match my bank account- which is the goal.  How the heck do I adjust the amount in To Be budgeted without screwing up the bank balance?

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  • To Be Budgeted is the money you have not put in categories.

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  • Mathlexia said:
    But if I make an adjustment to the budget, it will not match my bank account- which is the goal.

    It does not need to be the goal. Read this article describing how purpose (categories) and location (accounts) are independent concepts:

    https://www.youneedabudget.com/the-relationship-between-your-budget-your-accounts-its-complicated/

    It's a game changer once you realize synchronization between account and a category (or group) is extra and needless effort.

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  • Understood.  I have accounted for the amounts in all categories and budget still does not match bank account.  Bank account amount showing in YNAB is correct.   How do I change the To Be Budgeted amount?

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      • dakinemaui
      • dakinemaui
      • 10 days ago
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      Mathlexia To Be Budgeted should be $0. Increase budget entries to achieve that.

      If you insist on synchronizing accounts and categories, either adjust the budget to match account balances or transfer money between accounts to match category balances (or some combination of the two).

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    • Mathlexia 

      When you have a moment, do a quick self audit on your budget.

      This will 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. 
      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. Be sure to check through your closed accounts and add any positive balances as well. (If you find a positive balance in a closed account, you may need to delete scheduled transactions and/or reconcile the account.)
      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

      You should find that the funds in your accounts are accounted for in your budget but, if not, please let me know and we can take a closer look at things for you! :)

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  • Thank you Faness!  That is what I needed to know.  I have difficulty balancing the bank book on paper.  So trying to do it electronically is confusing.  I wrote your instructions as a formula and that helps a LOT!  Thanks for the detailed explanation. :)

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    • Mathlexia Glad to hear it! If you have any other questions, let us know. 😄

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  • Mathlexia said:
    I have difficulty balancing the bank book on paper.  So trying to do it electronically is confusing

    That process is really only to convince you YNAB isn't broken. You don't need to do that on a regular basis.

    Focus on keeping accounts reconciled and making To Be Budgeted $0.

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