Another "Funds for [Month]" question

I started on June 1. 
My first account entry is on June 1.

"To Be Budgeted" is 0.

Budgeted in June is equal to all my income.

The account is balanced, $0 uncleared.
"Funds for June" is $606.35 higher than "Budgeted in June."
And when I click back to May, where every single line is set to $0, it says "Funds for May =$606.35"

I don't understand why this is happening. Can you help me?

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  • When you started using YNAB, did you have any money sitting in an account you added? (i.e., a starting balance). That's not income, but it is money that you budgeted. Look at all of your starting balances for each account you added to YNAB (not counting tracking accounts). Do you see any starting balances with a May date?

    And do you have any money budgeted in the future?

    The point is: "funds for [month]" will almost never equal your income for that month, because it includes opening balances (when you start using YNAB) and category balances that rolled over from last month.

    Reply Like
  • No other money when I started. 
    I started with one account, the balance was negative $13 and that is reflected in total income minus total budgeted.

    No transactions with May dates, no future budgeted items.

    I would understand it being higher if I rolled something into June, but still, every dollar has a job, so budgeted and funds for should match, I would think. 
     

    Reply Like
    • Scott Schreiber Is the date on your phone/computer correct? Anything hidden? Try filtering just for May, see if anything pops up. I know that you have checked however I can not count the times I looked and looked for something that was right in front of my face. 

      Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      Ruff16965 (05bd62cee897) 
      Date's good. No transactions prior to 6/1/2018. Filtering before June shows none, filtering including june shows all, first date is the day I started using YNAB: 6/01/2018.

      Reply Like
    • Scott Hmmm...the only thing I can think of is a timezone thing, but I would think that more people would have the same issue. There is always the software favorite, uninstall and reinstall, I have seen that cure weird computer issues.

      Did you directly import anything from your bank?   If so are there any dates in the Memo fields? Grasping at straws here, but it has my mind working. 

      Reply Like 1
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      @Ruff16965 (05bd62cee897)  I'm using the web app. I didn't install anything. :-)

      And yeah, I direct import from the bank, but there are no dates in the memo field.
      I appreciate your input !

      Reply Like
  • Reply Like
    • Scott I have one crazy idea, change all the 06/01/2018 dates to 06/02/2018 and see what happens.  I know that 06/01/2018 is your start date and I don't see how this would effect it, but did you set up your budget in May? 

      Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      Ruff16965 (05bd62cee897) The income and expenses logged on 6/01 don't in any combination come near $606.35. I'm not gonna change them all. :-)

      Reply Like
  • Have you filtered/organized your transactions? Is there one for $606.35?

    Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      Ruff16965 (05bd62cee897) nope

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  • If "Funds for June" is $606.35 higher than "Budgeted in June," but TBB is 0, there should be $606.35 shown as "Budgeted in Future."  If there isn't, this is really weird.

    I see two puzzles here.  First, where did that $606.35 come from?  The program thinks it came in prior to June 1, yet you have no entries prior to that date.

    The second puzzle is, what is the program doing with that $606.35?  If it's budgeted in July or later, that would look normal; but if Budgeted in Future is zero, there's $606.35 that came out of nowhere and then disappeared into nowhere.

    Reply Like 3
  • You have only one account in the whole budget? No credit card or savings accounts?

    Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      VanillaCottage No savings account.  1 credit card added June 15, 1 auto loan added June 25.

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      • VanillaCottage
      • Believer in the life-changing magic of YNAB4 - since 2013
      • VanillaCottage
      • 9 mths ago
      • Reported - view

      Scott Is the loan on-budget (not a tracking account)? And have you double checked your credit card account transactions? Are there any transactions in those accounts dated in May? Are there any transactions in those other accounts with a positive balance (i.e., in the Inflow column)? Those transactions will also affect Funds for [Month].

      Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      VanillaCottage 


      The car loan is a tracking account. I do have a budget line item for the monthly payment, but I don't think they are connected like the CC is, and the payment is well below $606.

      There are no transactions on the CC, and the balance is well below the mysterious $606.
      No transactions in May, no positive transactions.

      Reply Like
  • Hi Scott !

    That definitely sounds like a puzzle!

    When you have a moment, can you take a look at your Income vs. Expense report? The $606 should be listed there (or the individual transactions combined to get that amount) and you can click on it for details.

    That should give us a better idea of what's going on here! :) 

    Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      Faness  Great idea!
      But...

      When I try to select May, I can't. It's greyed out.
       And when I select things like "This year" or "All Dates" the report doesn't change.  Only June is there.
       

      Reply Like
    • Scott Definitely odd! 

      If it's okay with you, I'd love to take a closer look at what's going on! I just sent you a request via email. If you’re up for it, please take a look and reply there to give us permission to access your budget. Then we'll continue our conversation here in the forum! 

      Reply Like
  • Scott I noticed you do have $606.35 Budgeted in Future.  Have you budgeted any money in July or beyond?  Also, what is you total spending in June?  Does it equal the amount for "Budgeted in Future" in the header.  

    Reply Like
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • Reported - view

      LarryinLA $606.35 budgeted in Future was from the May screen, where there are no budgeted amounts and no account transactions.  In the current month, June, "Budgeted in Future" is $0.

      Total spending in June is more than "Budgeted in Future" ($0) and also more than the mystery $606.35.

      Reply Like
  • Did this ever get resolved?

    Reply Like 1
      • Scott
      • A simple man.
      • scottws
      • 9 mths ago
      • 2
      • Reported - view

      VanillaCottage According to YNAB Support folks, there were some background cleanup routines that did not purge some deleted transactions, so even tho they weren't showing up on the screen, they were invisibly still hanging around in the end of May.  They manually ran the cleanup and it purged them.

      Reply Like 2
  • I think I have a similar problem. Each month, I budget my previous month's income so that my TBB amount is $0. At the end of the month, I make sure to cover all overages with excess from other categories or savings so that I do not have any overages. I will leave some categories with an excess that I want to grow each month. I just did this with July. TBB is at $0, but this is what I see. 

    Funds for Jul +$566.42

    Overspent -$2.27 (I am not worried about this total, I know what is causing this. No other month has a value here)

    Budgeted in Jul -$564.15

    Budgeted in Future -$0.00

    Many of my previous months have similar values - TBB at $0 and positive or negative values in Funds for. 

    Where is this $566.42 coming from? The month is over and everything is zeroed out. I have budgeted for August and everything is at $0 like I would expect. 

    Reply Like
      • Vibrant
      • May the best of your todays be the worst of your tomorrows
      • vibrant
      • 8 mths ago
      • Reported - view

      Magenta Transistor "Funds for July" just shows the total amount that came in through Inflow: TBB during the month. "Funds for August" shows $0 because presumably you've had no new income in August yet. That number will change as new income is received.

      Reply Like
      • bret
      • bret
      • 8 mths ago
      • 1
      • Reported - view

      Vibrant 

      "Funds for <Month>" is actually the sum of all "Inflow: TBB" earned in that month plus any funds earned (but not budgeted) in prior months.

      For someone who consistently "lives on last months income" -- e.g. fully budgets their July earnings into August's budget -- then the "Funds for <Month>" values will always equal 2 months worth of income: The income earned during the current month + previous month.   The portion of funds earned in the previous month should be "Budgeted in <Month>"  and the portion of funds earned during the current month should be "Budgeted in Future".

      I really wish the YNAB UI made it possible to drill into the "Funds of <Month>" value and see a breakdown of how it was calculated -- i.e. what portion of it is being rolled over from previous months, and which individual inflows in the current month have contributed to it.

      Reply Like 1
      • Jannelle
      • jannelle_ynabsupport
      • 8 mths ago
      • Reported - view

      Magenta Transistor "Budgeted in [This Month]" is the total of the Budgeted column for that month, and since your total "Funds for July" was $566.42, but you had $2.27 overspending, Budgeted in July is $564.15 ($566.42 - $564.15 = $2.27). 

      Edited to add (because I missed this the first time around!) 🙈:

      "Funds for [This Month]" is the total of:

      • the amount leftover in To be Budgeted from last month
      • the amount Budgeted in Future from last month
      • all Inflow:To Be Budgeted transactions for the current month (including from Reconciliation Balance Adjustments)
      • any Starting Balance transactions with a date in the current month on cash accounts (not credit card accounts)
      • any positive credit card balances in the current month
      • any cash advances from a credit account to a cash account in the current month

      I hope that helps! 

      Reply Like
    • Jannelle 

      We are living on the past month's income. So, the budget categories for August are filled with our income from July. We also pay off our credit card balance each month so that get an accurate view of our cash flow each month. When I posted earlier, my header looked like this:

      - $0.00 Funds for Aug

      -$0.00 Overspent in Jul

      -$0.00 Budgeted in Aug

      -$0.00 Budgeted in Future

      However, after importing the transactions for the first few days on August which included the payoff our our credit card on August 3rd, my "Funds for Aug" is now at $320.64 which has increased my TBB for August as well. 

      Now, when I look at my Credit Card account on the side, I see a positive value of $320.64 as well. I am assuming this is the same thing that happened in July and any previous month that has a value other than $0.00 in our "Funds for". 

      Why should I budget this $320.64? I feel like it is made up money - credit that is not really tangible cash. I have already budgeted all of the income from July into August. Paying off my credit card should not earn me more income. How do I make sense of this?

      Reply Like
      • mamster
      • mamster
      • 8 mths ago
      • 1
      • Reported - view

      Magenta Transistor At the time you paid the credit card, did you pay the amount that YNAB said would zero out your balance? It sounds like you overpaid your card, in which case you DO have a positive balance to be budgeted. If you didn't overpay your card but YNAB thinks you did, did you receive cash back or have a return on the card that went through after your payment? Alternatively, did you budget money to the Credit Card Payment category in July beyond any preexisting debt?

      Reply Like 1
    • Magenta Transistor Mamster is correct. It sounds like you overpaid your credit card. If this isn't the case, you may need to reconcile your accounts to correct those balances.

      When you have a Positive Balance on a credit card, it's treated as cash - which is why your To Be Budgeted changed.

      Take a look at those links and let me know what you find!

      Reply Like
  • mamster said:
    The point is: "funds for [month]" will almost never equal your income for that month, because it includes opening balances (when you start using YNAB) and category balances that rolled over from last month.

     Is the last part of this statement accurate? In my account, it doesn't *seem* that category balances are being reflected in 'funds for [month]'. If you add up my category balances that carried over from the previous month, it's a lot higher than the funds for amount.  

    Reply Like
    • Hi Pink Snow !

      No, category balances aren't included in that figure. Jannelle posted this list above, but I'll leave it here as well. :)

      +Funds for [This Month] is the total of:

      • the amount leftover in To be Budgeted from last month
      • the amount Budgeted in Future from last month
      • all Inflow:To Be Budgeted transactions for the current month (including from Reconciliation Balance Adjustments)
      • any Starting Balance transactions with a date in the current month on cash accounts (not credit card accounts)
      • any positive credit card balances in the current month
      • any cash advances from a credit account to a cash account in the current month
      Reply Like
      • Pink Snow
      • Pink_Snow.2
      • 2 mths ago
      • Reported - view

      Faness Thanks! YNAB is really complex, and I appreciate that the support team monitors the forum. In my case, the comment from the user above did a disservice to figuring YNAB out. That's not a criticism of him/her, but perhaps it's an opportunity for the support team to look at how it 'redirects' helpful commenters that are providing inaccurate information about how YNAB works. Not a huge deal, y'all do an amazing job, so consider this a nit :)

      Reply Like
    • Pink Snow Please consider it picked. ;) We do try to keep a close eye on things, but occasionally we miss a post or two. Thank you for asking about this - it keeps us on our toes!

      Reply Like 1
      • mamster
      • mamster
      • 2 mths ago
      • Reported - view

      Pink Snow Sorry for my mistake!

      Reply Like
      • Pink Snow
      • Pink_Snow.2
      • 2 mths ago
      • Reported - view

      mamster oh don’t apologize for a second. People like you make YNAB amazing. And it’s a complicated product, all the more need for the amazing paid support staff to monitor closely. But no biggie at all. 

      Reply Like
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