Lavender Projector I don't believe it looks at any expected / future income. It figures out your average daily spending based on all your history, then divides your current cash on hand with that number to figure out roughly how many days you can expect to be able to live if you didn't earn any more money.

"This calculation shows how long your money would likely last if you never earned another cent based on your average spending. We know that no month is 'average' but this should give you some idea of how much of a buffer you have. Equal to budget accounts total divided by the average daily outflow. That comes from sum of all outflow transactions from on budget accounts only divided by the age of budget in days. You can also change the number of days taken into account by this metric with the 'Days of Buffering History Lookup' setting."

Ben Fantastic! Thank you so much, that makes sense.  What's the best way of increasing this number?  Sorry for the stupid questions.  I'm a noob :)

Lavender Projector Realistically, that number should increase using the same techniques that you'd use to try and increase YNAB's Age of Money. You'll want to work to reduce your average daily spending, and/or increase the amount of money in your on-budget accounts (likely by building up your budget category balances).

Like with Age of Money, Days of Buffering is simply one number that gives you a glimpse into your financial health... but it may not encompass your entire financial picture. It's a potentially helpful guideline, but I wouldn't really suggest making major financial decisions based on how you expect that number to change. Hope it's helpful though!

MXMOM it's highly unlikely that the Toolkit caused this issue.

MXMOM What a coincidence!  I installed the toolkit, got a new computer, installed the Toolkit on 2 browsers on the new computer, and 5 months later I got a hard drive not found error!  (Long winded way of saying, I agree with a_different_joel that it's unlikely the Toolkit trashed your computer.  I could see it trashing a browser if something went horribly wrong, but not a hard drive.)

Disclosure:  Sent the computer back to Dell for repair under warranty.  Currently waiting for that to play out, and accessing the web, YNAB, and Toolkit on my older computer running Linux.

Beige Drill Fair question, and all I can say is, "I don't know."  I can say that in the years that I've had it installed, I haven't had any of my bank account information compromised, so I don't think it's scraping for things that look like usernames or passwords.  In reality, I just don't know though.

Beige Drill Toolkit really affects only the user interface.  It can change appearances, such as displaying a running balance or a check number field.  It can't create a field that doesn't already exist in the data YNAB puts on the web page, such as creating a field for Tags.  It can make modest improvements to user interface functionality, such as allowing me to set multiple flags in one operation instead of one at a time.  It can't improve the database functionality, such as letting me put future dated transactions in the register.

If you have a security package such as McAfee or Norton, that may scan browser add-ons and warn you about risky ones.  This depends on what protection package you bought.

If I were really worried about my bank accounts, I wouldn't use Direct Import at all.  IMO, that's a much bigger security risk than Toolkit; but still not big enough that I don't use it.

Hi Doxie Donna !

Once the toolkit is installed, you should be able to activate the features you'd like to use and see them in YNAB. :)

Hi MXMOM !

I took a look and I was able to find a full feature list for the YNAB toolkit. Under General, it lists the following for Printing Improvements:

Changes print styles so budget and account sections can be easily printed. Due to the number of columns, the account section should be printed using landscape orientation.

Green Boat I believe you can choose to show all overspending as red. There's also something you can add to the header to show overbudgeted in next month as a warning.

RedTinaRN Nothing will happen. You can even selectively turn features within the toolkit on/off. 

I would actually recommend only turning in a few features at a time so you can see their effect and determine if you like it.

RedTinaRN Yes, default YNAB will be back. No worries about trying it out.