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.

    Reply Like 1
    • 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.

      Reply Like 1
    • 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! :)

      Reply Like
    • 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! :)

      Reply Like
    • 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.   

    Reply Like
    • 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! 

      Reply Like
    • 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

      Reply Like 1
    • 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!

      Reply Like
  • 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! :)

      Reply Like
    • 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. :)

      Reply Like
  • Faness  I tried doing your steps above as well regarding the TBB account being larger than what's actually available and I'm having trouble finding the culprit. Any help would be appreciated!

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    • Hi Jake !

      Since this thread was posted, we've changed how we access user accounts. Now, we can only take a look if you enable Support Access for your account. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead. :)

      Reply Like
      • Jake
      • jvanderlugt
      • 3 mths ago
      • Reported - view

      Faness thank you! I just allowed access if you’d like to continue this discussion via email 😊

      Reply Like
    • Jake Email sent! :)

      Reply Like
  • I have more money in my TBB then in my bank account, have done the above, and next month's money has the same totals as this month (I have not done anything for March yet). Would you please send me an email so I can give you access to my account for help? I really can't find the answer. 

    Reply Like
    • Hi Navy Blue Pilot !

      We've made a few changes to things! :)

      If you’re up for it, go ahead and enable Support Access for your account. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead.

      Reply Like
  • I am having the same problem here. I just migrated over to YNAB and am still in my trial period. I have an overage of 171.60 (extra money to be budgeted) in my "To be budgeted" category and cannot figure out how to remove it. I have manually verified every transaction in my accounts with my existing planning software against my actual checking account and cannot find a way to remove the overage. 

    If YNAB support requires access, please email me and I would be more than happy to allow it in order to get this resolved so I can focus on the rest of the capabilities YNAB offers. 

    Reply Like
      • mamster
      • mamster
      • 1 mth ago
      • Reported - view

      Josh If you want YNAB support to take a look, message them in the app and they'll get back to you quickly.

      Reply Like
      • Josh
      • L8NC
      • 1 mth ago
      • Reported - view

      mamster  I already have a support request in that I submitted today. Hoping to hear back tomorrow, or possibly from  Faness  who has assisted in other responses on this thread. I am liking YNAB so far, I just need to work out these post-migration issues so I can get a routine going to see if it will work for me. 

      Reply Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 mth ago
      • Reported - view

      Josh Do you only have a checking account in YNAB or are there other accounts?

      Reply Like
      • Josh
      • L8NC
      • 1 mth ago
      • Reported - view

      nolesrule  Multiple accounts (credit, savings, checking). I have balanced everything with an inflow: to be budgeted category and manually reconciled my accounts to ensure my balances and associated budget envelopes align. 

      Reply Like
      • satcook
      • satcook
      • 1 mth ago
      • 1
      • Reported - view

      Josh tying categories to accounts is not necessary. Have you checked your total available number + any TBB number, against the total of your positive bank accounts?  Do those numbers match?

      Reply Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 mth ago
      • Reported - view

      Josh What about your credit card payment categories?

      Reply Like
      • Josh
      • L8NC
      • 1 mth ago
      • Reported - view

      nolesrule   satcook  The only inflow is associated with checking and savings accounts. Nothing else is tied to a specific account so that YNAB can automatically adjust my end-of-month payments for each card. 

      As I mentioned, all of my accounts (credit, savings, and checking) balance out based on what I see. It is just the to-be-budgeted amount that is off despite matching starting balances and pending transactions. 

      Reply Like
    • Hi Josh !

      I just sent you an email! It sounds like you're overbudget, but not overspent - meaning you've given dollars to jobs you don't have. If you don't think that's the case, you can enable Support Access for your account and we can take a closer look! :)

      Reply Like
      • Josh
      • L8NC
      • 1 mth ago
      • Reported - view

      Faness I have replied to your email and opened up support access. As I mentioned, I rectified the shortage in my to-be-budgeted category through a manual reconciliation process, but now have an overage as a result. I don't want to assign this money to any categories as I know the money isn't really there. 

      Also, if you are able, could you let me know about another incident I have open related to my american express linked accounts not updating? I was told not to unlink/re-link the account while tech support is looking into it. 

      Thanks!

      Reply Like
    • Thank you for granting access, Josh !

      I took a look and Jen beat me to responding to your email, but I did the self audit steps she described in her email and everything is balancing out. I'm no longer seeing that overage either, so it looks like you were able to adjust things. :)

      As for American Express, I took a look and you're running into a known issue our Direct Import partner is working on resolving. Currently, they're only able to import transactions from one card if it's linked to a joint account. They're working on building a new integration to better handle this situation. If you don't have a joint account, let me know and I'll update them! 

      Reply Like
  • Faness  I too am having a similar problem.  When I went to the next month as you suggested, my to be budgeted amount was correct.  I enabled support to help as you suggested.  Please Help! Thank You

    Reply Like
    • Hi Alicia8282 !

      I took a look and just responded to the email you sent in! You'll want to double-check your account balances to adjust for the credit card payment you made, and I sent details in my email about how to do that, but everything else looks right on track! :)

      Reply Like
  • Faness there seem to be a lot of requests for help on this subject. Is there a bug or is this just user error as I suspect?

    Reply Like
    • nolesrule Your suspicions are correct. Since being in the forum, not just on this thread, I only recall one post about balance issues that was a calculation error - a hiccup where only one side of a transfer was recorded in a budget.

      Reply Like 2
  • Faness I'm still having a problem.  When I did my first import the amount $9k was already reflected as a payment in the balance on my credit card, it had not however been removed from my checking account.  Upon import into YNAB, because it was still in my checking account, it is reflected in the To Be Budgeted category as an extra $9k.  Classifying the payment in my checking account as a payment (transfer from checking to credit) then incorrectly reflects in the balance on my credit card.

    Reply Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 mth ago
      • Reported - view

      Alicia8282 Classify the payment to Inflow: To Be Budgeted just this one time.

      Reply Like
    • Hey Alicia8282 !

      It looks like Seth responded to your email, and has a few questions for you! We'll get it sorted out. 😀

      Reply Like
  • I am also having issues with TBB

     

    Help please!

    Reply Like
      • jenmas
      • jenmas
      • 3 wk ago
      • 1
      • Reported - view

      Spring Green Display before anyone can help, some actual details of the issue that you are experiencing are required.

      Reply Like 1
  • My TBB money is more than what U have in my bank account and I checked every charge but I don't seem to find the difference

    The Checking account also reflects more money than what it is currently in my bank

    Reply Like
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 3 wk ago
      • Reported - view

      Spring Green Display There is no reason your TBB should match what is in your bank account.  You have money in your budget categories, after all.  Did you read the earlier explanations in this thread about how to verify/reconcile the budget numbers shown?

      Reply Like
    • bevocat Yes i followed the steps but it still doesn't add up to the penny. Also,  I do not want those savings account to be accounted for tbb

      Also, the average spent section shows like double of what my average monthly expenditures are.

      Reply Like
    • Spring Green Display Very confused as you can tell.

      Reply Like
      • satcook
      • satcook
      • 3 wk ago
      • 1
      • Reported - view

      Spring Green Display budget the savings money to categories. What are you saving for??  Make categories for those items and budget it there. 

      Reply Like 1
      • satcook
      • satcook
      • 3 wk ago
      • Reported - view

      Spring Green Display have you reconciled your accounts??  That’s how you ensure they are correct. 

      Reply Like
    • satcook Just saving money for saving purposes. I created the savings category as well 

      Reply Like
    • satcook I reconciled for all the credit cards I closed? How else can i reconcile?

      When I look at the money I have in my checking account which is different of ynab's checking and deduct all the budgeted money for the money, it still doesn't add up

      Reply Like
      • satcook
      • satcook
      • 3 wk ago
      • Reported - view

      Spring Green Display the savings categories look great. Money will stay in those categories now until you need it. It won’t go back to your TBB. 

       

      You need to reconcile every account you have. 

       

      Once they are reconciled, click to next month (on a computer). Look at the total available number and add anything in TBB. Then add up the amounts in your positive bank accounts. Do those 2 numbers match??  If so, you are good!!

      Reply Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 3 wk ago
      • Reported - view

      Spring Green Display Savings isn't a job. It's the lack of a job. You should find a job for those savings or put the money to work building wealth outside your budget.

      Reply Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 3 wk ago
      • 1
      • Reported - view

      Spring Green Display TBB is the sum of money in all your cash-based accounts that you haven't budgeted yet, not just your checking account. Money in accounts outside the checking account need jobs too. After all some money will have jobs intended for spending today, some jobs, the intent to spend is a long way off.

      Reply Like 1
    • nolesrule I'll work on this. 

      Reply Like
  • Spring Green Display said:
    How else can i reconcile?

     There is literally a button in every single account that says Reconcile (top right of your screen when you are in an account register).

    Reply Like
  • Thank you I needed to know this. Now, my TBB is on the red (negative)

    Reply Like
      • satcook
      • satcook
      • 3 wk ago
      • 1
      • Reported - view

      Spring Green Display to fix that you need to remove some money from categories and send it to TBB until it is $0

       

      right now you can’t trust any of your category balances. 

      Reply Like 1
      • adriana01
      • adriana01
      • 3 wk ago
      • 1
      • Reported - view

      Spring Green Display when you reconciled your accounts, are you marking as "cleared" the transactions in YNAB that cleared your bank, and adding any transactions from your bank that weren't in YNAB, so that the cleared balance in YNAB matches the cleared balance in your account before hitting Reconcile? Or are you having YNAB enter a reconciliation adjustment anytime it doesn't match?

      Reply Like 1
    • adriana01 yes to adding bank transactions before reconciling

      Reply Like
      • adriana01
      • adriana01
      • 3 wk ago
      • 1
      • Reported - view

      Spring Green Display ok, then if all your accounts are reconciled (and any transactions you know about that haven't hit you bank yet are entered as well) you can move money around in your budget categories until TBB is 0 and the Available in different categories is what you want, considering any money you had to move out to cover the red TBB. It's hard to make categories and accounts match, but the overall total of your money in the accounts in the budget should match the total available in all categories.

      Reply Like 1
  • Thank you so much for all the support

    Reply Like
    • Spring Green Display Just checking in to see how it's going. If we can be of any help, or if you'd like us to take a look at your budget, please let me know! 

      Reply Like
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