The area at the top of your budget is called the Budget Header—it tells you how many dollars need jobs, lets you quickly assign dollars jobs in your categories, and can tell you how you ended up with those dollars in the first place.
In This Article
Moving Between Months
While you'll usually be working in the current month's budget, you may want to jump ahead to a future month to set aside money there, or take a look at a previous month's budget. You can navigate between months in your budget by clicking the left or right arrows next to the current month. Clicking the down arrow next to the current month will bring you to a date picker, where you can jump to any point in the past in your budget, or to the furthest month ahead that you've assigned money into.
Not in this month's budget? Click the Today button to immediately jump to the correct month's budget!
Ready to Assign
The next section of the Budget Header is Ready to Assign. Ready to Assign is the money in your cash-based accounts (like your Checking or Savings account, your wallet, or any credit cards carrying a positive balance) that hasn't yet been given a job in your categories.
For example, if you have a total of $500 in your checking and savings accounts, and have assigned $400 to your categories, Ready to Assign will have $100 left.
The Ready to Assign box will be green if you have money, well, ready to assign. It will be gray if you have given every dollar a job, and it will be red if you have overassigned. Overassigning means you've given more money than you actually have a job in your budget, so it's time to unassign some of those dollars! Read more about what to do When Ready to Assign Is Negative.
Ready to Assign Breakdown
Not sure how you ended up with your Ready to Assign amount? Click your Ready to Assign amount, then click View Ready to Assign Breakdown.
Let's look at the numbers that make up Ready to Assign:
There are two sections: the top section shows money that has added to your Ready to Assign number, and the other shows money that has been deducted from Ready to Assign.
Ready to Assign Left Over from [Previous Month]
➕ This is the sum of all money that rolled over from last month's Ready to Assign and any future budgeting from last month (any money that entered your Ready to Assign last month (or before!), but were given jobs in a future month).
Inflow: Ready to Assign Transactions in [Current Month]
➕ This number will include any new income for the month--any inflows (like your paycheck) that was categorized as Inflow: Ready to Assign and are in a cash-based account (checking, savings, etc.). It will also include any new Starting Balances on any cash-based accounts that you added this month, and Positive Credit Card Balances caused by cash back rewards this month.
Inflow from Debt Account
➕ Inflows that are transferred from a debt-based account, such as Cash advance transactions or overpayments on a credit card that cause a positive balance (only the amount of the positive balance) will appear here. These are any transfers between a credit card account and a cash account in the current month. Any overpayment on a credit card is treated as cash and added to Ready to Assign.
Cash Overspending in [Previous Month]
➖ This number tells you how much cash overspending happened last month that wasn't covered using Rule 3. When cash leaves your budget and it isn't accounted for, it's deducted from the following month to keep things accurate—you'll always know exactly how many dollars you have to work with. Need more? Read up on overspending!
Assigned in [Current Month]
➖ Here we have the number of dollars you've given jobs in the budget month you're looking at. If you total up the Assigned column, you'll arrive at this sum.
Assigned in Future
➖ This number tells you how many dollars were available this month, but were already given jobs in a future month. As you Age Your Money, this number will probably grow, but keep in mind—those dollars can still be given jobs in the current month if you assign money after you have $0 Ready to Assign. (Read up on Future Assigning for more.)
Future assigning shows up in next month's Ready to Assign Left Over from Last Month, and on and on the cycle goes...
Missing some of these lines?
The Ready to Assign breakdown will only show the sections that apply to your budget. Don't have any positive credit card balances? Always cover your overspending before the month ends? (Look at you, YNABing like a pro.) Your Ready to Assign breakdown won't include those sections.
If you're ready to put those dollars in Ready to Assign to work in your budget, Auto-Assign makes it easy! Click the Auto-Assign banner to see all of your options, and read more about how each of them works here!