When the Month Rolls Over
One day, probably more than one day but less than 32 days after you start (okay, definitely less, definitely), the month is going to “roll over.” This Help Doc explains what happens in your budget when the new month starts, and how you can trust your budget as you flip the calendar 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
Some of the signals in your budget will change, so let’s get you prepared for that with a quick overview:
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.
Keep things current! As a general rule of thumb, we don't recommend going back in time to make changes to your budget in a past month, even if it's for as noble a cause as covering overspending! Instead, keep all changes in the current and future months.
Getting Started in the New Month
You'll also notice that your Assigned amounts are set 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.
When a new month starts:
- 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.
- Check over your categories to make sure that your Available amounts reflect your priorities. Move money around if needed.
- 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!
- 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.
- 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.
- Adjust your budget for any reimbursements you're still waiting on.