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 all of the steps you need 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!

First, reconcile all of your Budget Accounts. Don't 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

Now, look 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:

The Process


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


Add the  Total Available amount to what you have left To be Budgeted and Budgeted in Future. This is the total cash in your budget. Let’s pause, just in case To be Budgeted is negative. If it is, you'll need to subtract it from Total Available.


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, confirming every dollar in your account is reflected in your budget—and not a single more.

Now, you can confidently move money if you’d like any dollars to be in a different category!

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