You'll get most of the features you need in budget software, like automatic categories, bank synchronization, and informative graphs. YNAB and Quicken are two excellent budget platforms, and you can’t go wrong with either. There are three parts to a card in YNAB. 5. This is a standard in other checkbook programs I've used. Once your accounts are aligned, they should stay that way (as long as all transactions are entered and correct) going forward. Also, the running balance for rows that are unreconciled or uncleared is kind of meaningless right now. I paid the CC off, which again was $70 more than I was expecting based on YNAB. Everything you didn't know you could do to your YNAB … Did I do something wrong... is there another location where I enter my paycheck.. cause at the moment it makes it appear I will be thousands of dollars over budget in 4 months... when I will actually have money at those points in time. This is a standard in other checkbook programs I've used. [edit - there is a happy ending to this, but I've literally been staring at this for hours and went to the effort of writing the info below before it resolved so worth sharing in case it helps you!]. I haven't quite got to the point where I"m comfortable with relying on my budgeting instead of transferring between bank accounts. When I started using YNAB, the heavens opened and angels sang! 4. I still need help. Add your checking account whether you choose to link your account to your bank or add it unlinked.IMPORTANT! Tracking Accounts in YNAB | Part 2: Adding Assets + Retirement Accounts. Good to know I can reach out to the YNAB community for help. As transactions roll in, YNAB attempts to auto categorize your purchases, but sometimes it’ll get it wrong and you’ll have to adjust it. I checked the YNAB balance on my iPad and mobile and it is showing the same inconsistency as the web app. You Need A Budget 4 (YNAB) Review: Cloud Sync, Better Design, Improved Reporting. As I prepare to track my spending in 2017, I have to decide which tool to use.. Do you have something marked cleared in YNAB that actually isn’t showing up at all in your bank account? 4. So go ahead and confirm, for example, that you’re trying to reconcile your checking account at Mammoth International Bank by using the Mammoth International checking account statement. The app works well to input transactions on the go, saving you from having to play catch up later on. In the olden days, there weren't many options. Uhm, actually looking at it all of the numbers on YNAB are wrong. When you do that, YNAB takes $50 out of your groceries category and puts it into a holding zone in your credit card category. So if your income is deposited into your checking account at the bank, it will be entered into your checking account in YNAB. calls the “Four Rules of Cash Flow” to help you manage your cash ), we can't compare transactions and help find those errors – but we do have resources for you. Big mistake! The most they can do is track the transactions and balance of your investment accounts, but give no other information here. This also creates an issue when I am paying bills because it shows the chart of accounts balance decreasing as i pay them and that is not the actual balance. I highlight the transactions and YNAB displays £130.80 in red ("selected total") in the top right hand corner of the web app. Now somehow YNAB is saying my account balance is -$500 (in change). In YNAB 4 you had a couple options. Actual Behavior. YNAB is a little better at importing transactions from your banks and credit cards. The cleared balance is about £100 under my actual bank account. 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