SnowLynx  there's no calculator because the move money tool replaces its function.  Instead of calculating the money to add to a category,  you use the MMT to move money from TBB.  If you really feel like you need a calculator, you can always do the calculation in the budget cell. 

WordTenor I was about to be very confused about doing the calculation in the cell but then I realized you said _budget_ cell. I am constantly doing split transactions and I want to split the tax along with the line item amount.

As far as I can tell, you can't do calculations in the register cells. I guess that's a useful heads up that should exist in a thread like this. I just have Calc open at the same time. (Ok, maybe I use an *ahem* extension but that's the same difference right?)

Faness - YNAB Team 

As far as points #2 and #3, it should be possible to do it both ways. There's no reason to restrict one or the other. There can be an option to apply TBB to a specific future month (like in YNAB4) or always the current month (like in nYNAB). Additionally it would help avoid the issue outlined in my next paragraph.

The problem with your reply #3 is when you need to change a budgeted value in the current month that will be based on spending that hasn't happened yet and you've already started budgeting into a future month. If you increase the budgeted amount, there's no change in the current month TBB which makes it difficult to keep the current month revenue neutral and no indicator that your future month TBB has gone negative. I've been harping on this shortcoming for 2 years now, and it's, in my opinion, a fatal technical flaw in the implementation.

nolesrule I agree with you on stealing from the future, all they would have to do is change the color of 'Budgeted in Future' to red if money was stolen from the future or simply change the background of TBB in the current month to red.

Stantonio Do note that in order for reports to accurately show income, all income needs to flow through the "Inflow: To Be Budgeted" category. If you categorize that money directly to a category, YNAB considers it negative spending, like a return on a previous purchase, and it will show up in the Income / Expense report within the Expense section.

You can still do your approach, but you'll need to categorize income to "Inflow: To Be Budgeted" first, then budget the same amount to the monthly category.

Ben That’s a good point. However, for me i think it’s worth the trade off. Ring-fencing months is just way too important to let go of. 

Stantonio  Why would you make a category for each month?  I have one called "Money for Next Month".  Since I'm buffered, I put all December money in there (after making it TBB first and then assigning it, so reports are accurate) and will release it January 1.  Then, all thru January, I will fill it up again and release on February 1.  Having 12 different categories seems  very over-complicated.

Joel I completely agree. You should give nYNAB another try with the trick I described above.

 Faness at YNAB Here's my feedback.

I've found the web UI dreadfully off-putting compared to Y4. It's the Budget panel that really gets to me. I DO NOT  like the right-hand side panel at at all and there doesn’t seem to be a way to minimise or close it.

My personal goals can't be put into numbers, they are simply to get through the month without robbing my savings, so I don’t need that panel. I know how much I have coming in and going out. I've got a tracking account for all my Put Aside things with Standing Orders leaving my Cheque account, spread evenly through the month so it doesn’t leave me too short in the one week in four when I don’t have any benefits coming in.

The app format is tempting me to leave my darling Y4 behind, a thing that there's no way the web format wouldn’t ever do on its own. I'd like to have the two month view but that seems to have been sidelined by the limitations placed on Ynab by the apps.

I'd also like to be able to vary the width of the columns in the Transaction view, but most of all, I'd love a cross-platform desktop app. That would have guaranteed my making the switch despite what I've said elsewhere about the uncertainty of the cost to me in Pounds Sterling when it comes to the annual payment.

In terms of paying through the Apple AppStore, your guidance on this page (https://support.youneedabudget.com/t/k9klhz/manage-your-subscription) is somewhat iffy. The reason? YNAB isn't in the AppStore/iTunes or the Android counterparts. I had to Google YNAB's site and download that way!! I'd imagine that it is the same glitch in your guidance for Android devices.

YAYYY!!!!!! Just read that you are considering a desktop app! 👏😄 I'll happily volunteer to be a Beta tester if you want an outsider to test. When would you start developing the desktop app?

EDIT: I forgot to mention I don't like not always being able to scroll through the register without having to use the what-have-you along the right hand side if the browser window.

Beige Pegasus Never say never but I don't expect them ever to be addressed. The good thing is that 1 and 2 can easily be worked around. 3 can be monitored and controlled by the user as well.

Superbone Why do you think they wouldn't be addressed? What are the easy work arounds? I cant find any? I have been searching like crazy. Please share. It would be appreciated.

Beige Pegasus Because by all accounts, this is YNAB's new design and these changes are intentional.

Workarounds:

1. The reason for wanting post-dated transactions to affect the budget is for cash flow purposes. YNAB has now added a Running Balance feature. This will allow you to look into the upcoming month to make sure you have enough in checking to cover your upcoming bills.
2. Create an Income for Next Month category. Assign your income to this category. Mine are recurring transactions that automatically categorize as Income for Next Month. At the end of the month, release these funds and budget all of next month.
3. See 2. The closer to the end of the month you release the funds, the easier it is to keep the months separated.

Superbone thank you. 

Beige Pegasus You're welcome. I didn't like the changes either but I've adapted well. The new mobile app and imported transactions make it worth it to me.

Superbone #1 isn't just about cash flow, it is primarily about category balances reflecting known future expenditures.  Primary workaround is to separate categories with known future spending from true ad hoc spending but there are plenty of issues with that. 

Herman Got it. I never entered post-dated transactions in previous YNABs. Instead I just made them scheduled transactions. nYNAB with the toolkit shows me upcoming category reductions when looking at my categories. So, I'll revise my workaround here for using that feature of the toolkit. I should have mentioned that the toolkit has also been a huge boon to the functionality of YNAB and filling in the gaps.

Superbone I don't find any of the issues to be significant but I understand the desire for the future dated transactions.  Not a big deal to me, I understand not wanting to have to check the inspector for things you know are already committed but I think the seriousness of this "flaw" is way overblown. 

Superbone Two questions for you, 1st in your first post here, under point 2., you close by saying “At the end of the month, release these funds [that were categorized Income for Next Month] ...” what does that mean?  2nd which “toolkit”?

Neal Greenfield In reverse order. Google "toolkit for YNAB". There is only one as far as i know. I use the Chrome browser version.

For the first question, all of my paychecks are set up in the scheduler to automatically be categorized as Income for Next Month.  Sometime between after I've receive my last paycheck of the month and the end of the month, I go to All Accounts and enter a category filter for my Income for Next Month category. I select these transactions and recategorize them as To Be Budgeted. I then flip to next month and budget the entire month.

Cirrus Nah. They need to earn the business by providing a product that meets the usability criteria of a particular area. That is going to be vendor neutral.

nolesrule used to be they earned by luring new users. The buy-once model. Now they earn by keeping existing customers happy.  The subscriber model. 
as an existing customer i am better served by subscription. 
and there are inly a few existing customers not happy. 

Cirrus That's debatable. They seem to have trouble with actually implementing features that customers want, and their QA/UAT process is pretty lousy. So then what are subscribers really paying for?

That's also the opposite of what you stated in the post I was responding to. You support the people making the software because they prove they are worthy of the support. You don't support them on a hope and a prayer that they are worthy. That's Kickstarter.

nolesrule oh, that is hard! I support them because 95% of the YNAB software is good, and I don't have much difficulty with the 10% that could be better. The method is 99% good. And they give it to us. 

I appreciate being able to do so much on my phone. I appreciate that my operating system and my browsers have updated so many times and ynab hasn't broken. If they hadn't been working so hard, it would have broken. Software doesn't  stay working for long if someone is not watching and responding to the changes.

Cirrus Let’s just say that for $85 per year, at the very, very minimum, they had better at least keep it functional.

Gold Hail YNAB 4 is the best alternative so you're in good hands there. Glad to hear you're actually budgeting now. Makes a big difference! Mint is best if all you're going to do is track after the fact but you're not going to get any better at managing your money that way.