In fact, more often than not, you have a negative balance waiting to be paid off. My YNAB isn't linked with my bank or anything like that. It's not close to accurate. I … This morning our balances were accurate. Pocketsmith makes hard work of monitoring your actual vs budgeted spend. I started this budget when I opened this account in February. So you log the transaction in YNAB right away, and then when it shows in your bank account (it "clears" your account), then you clear it in YNAB. So even those YNABers who link their accounts still need to reconcile and actively manage their accounts. After the balance gets cleared it will come to your account and status will change to cleared balance. You can still use the cleared/uncleared status for transactions that take some time to show up in your account, ... and reconcile YNAB with that date and balance. All transactions cleared. Wife: \"I didn\'t give you clearance for any of those transactions. In YNAB your chequing account would show your real available balance. GET /v1/budgets/{my budget}/accounts GET /v1/budgets/{my budget}/accounts/{my account} If each of these could return a new attribute "cleared_balance" that would be very helpful in my case. Overheard: Wife: \"What are you doing with YNAB?\" Husband: \"I\'m reconciling all of these cleared transactions to our bank balance.\" (Wife glances over to the computer screen.) I love a good comparison chart rather than sentences for these things. The reconcile function isn’t yet available in YNAB’s mobile app. Your call if you want to incorporate that adjustment amount into the starting transaction and then delete the adjustment. I went into put in what was actually there, and now it reads that the "cleared balance" is what is matching what is int he account and the "uncleared balance" is almost 1000 more and leaving the working balance three times what is actually in the account. If you toggle the filter you can see how it behaves and the balance is shown "correctly", as in, because all transactions are shown, the order is correct and the balances are correct. It won’t happen overnight, but if you follow our rules, soon enough you will get there: what you make in January, you won’t need to spend until February, allowing February’s income to serve as a buffer, creating reserves, until at least a month later when you need to spend it. Watch this quick video—and read the descriptions below—to find out why these statuses are so important to reconciliation. Before, the calculation was based on transactions in both the cleared and uncleared state. It might take a day or so. The 'c' icon on the right hand side of the transaction is grey for uncleared transactions and green for cleared transactions. I imported all transactions since opening, and that's when it shows YNAB balance at $700 below bank balance. We are completely confused about how YNAB categorizes and tallies credit card transactions. :), Follow YNAB to get support and lots of great ideas on budgeting. I'm historically disasterously bad at budgeting. nYNAB. You need to give it a total that excludes those pending amounts. A QuickBooks transaction report may display a C, R, or nothing in the CLR column of the report, or in the Register. In practice, you still need to reconcile because Import makes mistakes. The problem is that the sorting is done by YNAB and they don't change the order for reconciled vs non-reconciled transactions. When I go to reconcile it uses the running balance value. Cleared and Uncleared transactions are transactions that have already cleared your bank and transactions that are still pending (respectively). Orchid Mill You clear transactions by clicking the gray "C". Mark them uncleared. This allows YNAB to show you your actual account balance, as well as your uncleared transactions so you don't spend money you've already spent that just hasn't cleared yet. Your balances are out of sync. Basically, cleared balance in YNAB and CC website is $2094.89. GNUCash seems to formalize future dated transactions, with 'Future Minimum Balance' calculated fields, and with a reconcile feature. Again, Import isn't perfect.). Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. I usually end up unclearing at least 2 months worth of transactions in YNAB and then go one by one comparing the transactions in my bank vs what YNAB has and check the little c button for each cleared … Transactions that are cleared and uncleared will not … I have no idea how one reconciles a starting balance, beyond paying it off. Matthew a suggestion (if not already done) is a clear comparison of what functions are available on web vs mobile and also if available but different on mobile. report. Why is my uncleared balance positive? If you clear all of the transactions and then reconcile, it should match your account balance. The uncleared balance means the balance which is not cleared, the balance which is waiting to be cleared from the clearing process is called as an uncleared balance. I keep these uncleared in YNAB. There aren't any errors and I'm not missing anything." This should not be that big a task to program. It sounds like your starting balance is incorrect, and a reconciliation adjustment will fix the current balance. You can't reconcile on the mobile app, you have to log in to the web. If you import transactions, many of them will be cleared in YNAB automatically. For one of our credit cards, all transactions are showing as 'cleared' except for what we entered as 'starting balance' when we opened out YNAB account. If you don't log into YNAB inside that timeframe, you may well be missing transactions. I had budgeted the money received from the pay check earlier when the accounts were where they should be and the amount in TBB was 0 after. You should reconcile your account periodically to ensure/verify the cleared balance in YNAB agrees with the real world. The working balance is not at all part of the reconciliation process. Subscribe to our weekly newsletter. Want to stay up-to-date on other big YNAB product news? If you just want to monitor your actual vs budgeted spend YNAB is the poster boy. In manually your finances means actually being able to stick with budgeting that feeds the budget like checking savings! Balance, beyond paying it off the top of that screenshot, you need... 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