Assigning in Future Months on Mobile

Have you assigned money for everything you need in the current month (including True Expenses), but still have money in Ready to Assign waiting for a job? Knowing everything this month is covered is a huge milestone! 👏🏽 This article will show you your next steps for these remaining dollars in Ready to Assign.

In This Article

How to Assign into the Future

Those dollars that still need jobs? You can budget them in next month to get ahead - here's how:

  1. At the top of the app, tap on the month and year to select a future month
  2. In the future month, you'll see your dollars still in Ready to Assign. Follow the same prioritization sequence you used in the current month, assigning money until Ready to Assign is $0.00.
  3. When you tap the month and year again to return to the current month you'll see zero dollars in Ready to Assign.

That's it, you've given every dollar a job! 🎉

Want to budget more than one month ahead? No problem! You can assign money as far into the future as you’d like, as long as you've assigned money in at least one category in the previous month.

Assigned in Future

⚠️ Once you assign money into the future, your most up-to-date  Ready to Assign number is in that future month.

Here's an example. If you have $1000 in Ready to Assign and assign it into next month, then return to the current month and assign another $25 to groceries, that $25 will come out of future months, not your current month’s Ready to Assign (which will still say $0.00). Move money between categories instead! And if you're overassigned in the future, reduce the amount assigned into your categories until Ready to Assign is zero again.

To easily see how much you've assigned in a future month, log in to the web app and look for the Assigned in the Future section in the Inspector (right sidebar), which will give you a list of the amount assigned in future months.

How to use a "Next Month's Money" Category

Let’s say you get a mid-month paycheck or income inflow, but you’ve already fully funded the current month. Or you get a windfall like a tax refund or some side hustle income and you don’t need it in the current month. Continue to categorize all your income/paychecks as Ready to Assign so YNAB will see them as income in your reports and in the numbers in the Inspector.

  1. Create a new category that you'll use hold all of these dollars until next month arrives
  2. When a new inflow shows up in Ready to Assign, assign it all to your new "Next Month's Money" category in the current month
  3. At the end of the month, when you’re closing out the old month, move money between the categories to cover any overspending
  4. If you like to zero out any monthly categories, you can do that now by selecting them and using Reset Available Amounts. (Be sure not to zero out any Credit Card Payment categories, True Expense or Savings categories!). 
  5. Move all the money in your "Next Month's Money" category up to Ready to Assign
  6. Click ahead to the new month. All the money you see in Ready to Assign is what you have available to assign in the new month!

Tips for setting up Next Month's Money Category

You can add your typical monthly income amount in the title of the category. If you get paid 1x/month, put that amount in the category name. If you get paid every other week, you can put the sum of your two paychecks in that category name (three paycheck month, is that you calling?).

Another option is to add the sum of your Budget Template to the category name. If you have a Target set on each and every category, the Underfunded number in the first month where there's no money assigned is the sum of all those Targets.

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