When the Month Rolls Over on Mobile

This article explains what happens in your budget when the new month starts, and how you can trust the amounts in your budget as you "roll over". 

In This Article

👋🏻 Is this your first monthly rollover in YNAB? If so, learn how to reconcile your accounts as it's a crucial part of the rollover routine!

What Changes In Your Budget

Positive Available Amounts:

Any positive Available amounts in your categories will not change. They'll still be sitting there, just where you left them. 

Negative Available Amounts (Overspending):

Categories that were overspent (had a negative Available amount) at the end of the month will change. In fact, in the new month, the Available will now show as a gray zero.

  • If your category had been overspent in cash (negative red Available), that amount will be deducted from Ready to Assign in the new month. 
  • If your category had been overspent in credit (negative yellow Available), the amount you overspent will be represented as an increased balance of your credit card account. If you can't cover this overspending in the month it happens, you'll need to assign funds directly to the Credit Card Payment category to pay back the debt.
  • ⚠️ Only make changes in the current and future months. As a rule of thumb, don't go back in time to make changes to your budget in any past month, even if it's for as noble a cause as covering overspending.

Assigned Amounts: 

You'll also notice that your Assigned amounts are reset to $0 (if you didn't budget in the future). When more income is added to your budget, you can give every dollar a job until Ready to Assign is $0 again. You'll notice the Assigned column contains the money you've assigned in the current month. Your Available amounts reflect the total you have available in each category to spend.

Getting Started in the New Month

YNAB performs this monthly rollover automatically for you (maintaining your accrued Available amounts, resetting your Assigned amounts, and adjusting for any overspending), so sometimes, things may look a little different than you're expecting when you log in on the 1st of the month. That's okay! We've got some helpful tips to confirm that all is a-okay (or how to fix if anything looks red or wonky!). 

How to Make Sure Your New Month Budget is Ready to Go

  1. Check for a negative number in your Ready to Assign balance. If Ready to Assign is negative, remove money from your categories until the Ready to Assign balance is back to $0.
  2. If Ready to Assign is positive, use Auto-Assign to assign funds to your categories. 
  3. Make sure that your Available amounts reflect your priorities. Move money around if needed.
  4. A new month is always a good opportunity to check over your account balances and make sure they're reconciled, although we encourage everyone to create a budget routine and reconcile at least once a week!
  5. The amounts in your Assigned column will be $0, because you haven't assigned anything yet in the new month. If you move money out of a category (to a different category or up to Ready to Assign), you'll see a negative amount in the Assigned column for that category. This is perfectly okay! You can read more about this in our Negative Assigned article.
  6. If you pay your credit card in full, double-check that your Credit Card Payment category Available amount matches the working balance of your credit card account.
  7. Adjust your budget for any reimbursements you're still waiting on.
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