Budgeting Future Income on Mobile

With YNAB, you'll only budget the money you have on hand—right now, in your accounts, today.

Now that you're a budgeter, you may be wondering how to plan for your next paycheck. Can you budget future income? In short—no, but read on my friends.

The real power behind YNAB is to use your budget to make spending decisions and use it to live the life you want. Of course, it's important to plan for what's next. You won't budget future income, but you can plan for the future and set yourself up for success.

Schedule Future Income Transactions

Using Scheduled Transactions and Goals help you plan for this month, and those to come.

When you receive your next paycheck, you'll know exactly where those dollars are needed as soon as they're in your account. These steps will walk you through setting up your budget template using both in the mobile app.

Aging Your Money

After you've used YNAB for a while, you may find that you're ahead and To be Budgeted has more than you need this month. Great news! You can budget those dollars in future months, and don't need 1.21 gigawatts to get there. ⚡️

Keep in mind that dollars budgeted in the future can still be used in the current month. The dollars can only be used once, in the present or future! You'll be pulling from your future self and To be Budgeted in the future month will be negative. Move money between months where needed, and adjust To be Budgeted back to zero.

With Goals and Scheduled transactions set up, and your money aging—you'll be surprised how much you don't worry about your future income anymore.

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