To be Budgeted is more than my account balance

Newbie here using YNAB for 4 months with a confusing situation. I've searched in the forum for ideas but haven't really been able to solve why after reconciling all my accounts being tracked, I still have MORE money in "To be Budgeted" than on my available funds in my accounts.

My guess is that since I'm tracking 2 savings accounts this could be the problem but after adding up the amounts on those accounts I then see LESS in "To be Budgeted".

I might have to ask someone at YNAB to take a look but wanted to see if anyone else has run into the confusion of having more in TBB than on checking. and at the same time, less in TBB than on the savings being tracked.

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  • The amount of money in your budget (TBB + assigned to categories) is equal to the money in all your cash-based accounts in your budget.

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    • nolesrule  Thanks I'll check the totals, it seems that's the issue and also that I have 2 savings accounts in my budget that I still have to remember are part of the whole available funds thing.

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    • Hi Mau Orozco !

      You're right that your savings account balances are included in your To Be Budgeted. I'm including the steps for how to do a self audit below. This is how you can check that all of your funds are accounted for and not a penny more! :)

      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 dollars 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 $0.

      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, to the penny.

      If those numbers don't match, let me know and we can take a closer look at things! :)

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    • Faness I am having the same issue as the original poster, I have gone through the steps as you mentioned and my totals did not add up. I still have more money 'to be budgeted' than I have in my actual accounts..

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    • Hi Stacey Coleman !

      I just sent you an email so we can take a closer look at what's going on! :)

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    • Faness just after I posted I found that I'd left some 'money' in account that I had closed. Once I cleared that it equalled out! Thanks for your email 😊

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    • Stacey Coleman I'm happy you were able to find the culprit! :)

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  • Faness  I am having the same type of problem.  I have 2 savings accounts and one Christmas  account.  When I add them all in to my budget it make me now negative.  Right now I don't understand where I could be off at.   

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    • Hi Stacey Wilkins !

      Only Cash/Checking/Savings account should be included in the math there. Credit card or other debt accounts aren't included. If things still aren't adding up, I'd be more than happy to take a closer look! 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! 

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    • Faness  I had to go back and re read your one post.  After checking my other accounts knowing the ones that were showing the correct amount in YNAB.  I went to my bill account and added up all the bubbles, against what my credit union said.  That is where I found I had added more money to categories that I really didn't have.  So once I made those adjustments.  I got my to be budgeted down to zero, added the bubbles up again and checked it against my account and it all matched.   It has only taken me sometime to get all of this figured out.  Thank you

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    • Stacey Wilkins I'm happy to hear you were able to get things ironed out! :)

      If you have any other questions, please don't hesitate to ask!

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  • Faness I’m having the same issue where TBB is more than my accounts total and I can’t figure out why! Please help! 

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    • Hi Aiza Cheung !

      We'd be more than happy to take a closer look at what's going on! I just sent you an email for permission to look at your budget, respond there and we'll get this figured out! :)

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    • Aiza Cheung Thank you for responding! I took a look and I'm seeing overspending in a hidden category. If you move forward to November, where that overspending is covered, your account balances match your Total Available. :)

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