Unpacking To Be Budgeted

If To Be Budgeted seems too high or too low, you know you have some investigating to do. This article will walk you through the steps to take to understand how much money is in your budget. While these are steps to be taken in the web app, please note that these numbers are still at play in the mobile app as well. Armed with that knowledge, you can move money in your budget with confidence!

Verifying Your Budget Accounts

First, we need to verify that your account balances in YNAB are 100% accurate. To do that, reconcile all of your Budget Accounts.

Be sure not to skip this step! The amount in To be Budgeted will only be accurate if your account balances in YNAB reflect your real-world account balances. Also, keep in mind that Tracking Accounts are not included in your budget.

Closed Accounts

Then, double-check for any Closed Accounts with a balance. If a transaction attached to a closed account was edited or deleted, it's possible for the account to have a positive or negative balance, which impacts To be Budgeted.

Cash in Budget = Cash in Accounts

Maybe you've been moving money around in your budget, and you just need a little boost of confidence that every dollar in your bank account(s) is reflected in your budget.

Here's how you can confirm that's true:

How to Perform a Budget Audit


Advance to next month's budget, or the furthest in the future you can go. (The math is easier, because any overspending is covered.)


In the right sidebar, when no categories are selected, look for the Total Available amount, which is the sum of the Available column in your budget.


Add the Total Available amount to what you have left To be Budgeted and Budgeted in Future. This figure is the total cash in your budget. (Feel free to write it down, or take a screenshot!)

Let’s pause, just in case To be Budgeted is negative. If it is, you would need to subtract it from Total Available, because that means you’ve given jobs to money you don’t yet have. As you move forward with your budget, we recommend returning to this month’s budget and budgeting less in a few categories until To be Budgeted is back to a green $0.00


Now, add up the cash in your Budget accounts. That includes checking, savings, and cash accounts, plus any positive balances on credit cards.


Your totals in step 3 and 4 should match exactly, like this:

When Everything Matches

Awesome! You can trust that the dollars in your budget match the dollars in your accounts and you can confidently move money if you’d like any dollars to be in a different category.

When Things Don't Match Up

If the numbers don't match up, our Support team will be happy to help! Just click the Contact Us link at the bottom of this page, and write a quick note to let us know where things aren't adding up. It's also helpful to enable Support Access ahead of time; that'll grant us temporary read-only access to your budget so that we can get to the bottom of what's happening as quickly as possible!

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