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Accounts

How to Reconcile

In this article, we used a checking account as an example. You can reconcile any type of account, however you can only reconcile one account at a time. Having trouble reconciling?   Learn about Reconciliation Reconciliation Video How do I reconcile my accounts in YNAB with my bank?
Last Updated: January 30, 2015

Handling Cash

How do I handle cash in YNAB? There are two ways you can deal with cash: You can be set up as a separate account; or you can create a Category specifically for cash. Cash as an Account   A cash account is similar to a checking account. You enter a starting balance (the amount of cash
Last Updated: January 22, 2013

Account Types

Should I set up all my accounts in YNAB? That’s entirely up to you. You can budget quite successfully with just your checking account - but here are basic guidelines to help you decide which accounts to track in YNAB. If you spend from an account, you should set it up in YNAB - otherwise
Last Updated: March 18, 2014

Reconciliation Overview

What is Reconciliation? Reconciliation is the process of making sure the transactions in your YNAB account register match those in your bank account. During this process, we make sure the records match and we resolve any differences between the two. Some people are used to reconciling their
Last Updated: January 16, 2014

Understanding Working & Cleared Balances

What’s the difference between the working balance and the cleared balance?   At the bottom of your account register, you’ll see the Totals Window: Here you’ll see three numbers: Cleared Balance - This represents all the transactions you’ve entered in YNAB
Last Updated: October 30, 2013

Setting up Savings

How does a savings account fit into my budget plan? A savings account is another physical location for your money.  While it's great to have a special account for it, make sure you know what the savings are for. Apply Rule One: Give Every Dollar a Job. Yes, that rule applies to your
Last Updated: July 15, 2013

Income types

There are two types of income that you can use in YNAB: Use Income for (the current month) when you want to put money to use right now. Use Income for (the next month) whenever you don't need that money in the current month for any purpose. The income
Last Updated: September 20, 2012

Error Checking

Error Checking is now enabled by default on all budgets you create or open in YNAB 4. Error Checking ensures that your Budget is in perfect harmony with your accounts by flagging transactions that need your attention. The 3 types of alerts are: Reminders - These appear whenever
Last Updated: September 19, 2012

Payee Settings

YNAB’s Payee Settings allows you to: rename payees. manage duplicate payees. create payee importing rules. decide which payees show in the dropdown list. To access Payee Settings go to View > Go to payee settings. Alternatively you can access this with a keyboard
Last Updated: March 4, 2013

Account Organization

How do I organize my accounts? Reordering Account Tabs To move an account up or down in the list of accounts, click and hold the account tab and drag it to a new location. Viewing Accounts To activate an account and see the register for that account, click on the corresponding account name
Last Updated: January 6, 2014

Multiple Currencies

YNAB does not have multiple currency support for different accounts within the same budget.  There are two ways to deal with this: Pick a primary currency for YNAB. For the user who earns and banks in one currency, but who often spends in one or more other currencies. Pick a primary
Last Updated: October 15, 2014

CSV file importing

What types of files can YNAB import? YNAB can import any of the file formats listed below. For a more details on each of the formats listed please check out our Importing Overview page. QFX - Quicken® File Exchange OFX - Open File Exchange QIF - Quicken® Interchange Format CSV
Last Updated: May 30, 2014

Account Setup

How do I set up a Budget Account? To demonstrate how to set up a Budget Account, we’ll use a checking account as an example. These steps can be applied to any Budget Account. Step 1: Set up your checking account. Click on the Add Account button at the bottom of the sidebar to
Last Updated: October 22, 2012

How Money Flows from Accounts through the Budget

How does money flow from accounts through the budget?   Let’s say you enter $1000 in Account A as Income for August.  Since that money was categorized as Income for August, it is sent to the August header and appears in the income line and as Available to Budget. This money is
Last Updated: August 18, 2014

Reconciliation Trouble Shooting

Reconciliation Overview Learn how to reconcile your bank accounts to YNAB. Why isn’t my YNAB account reconciling with my bank? When YNAB and your bank don’t reconcile right away, rest assured that YNAB is doing it’s job. It’s telling you something is off and you need to
Last Updated: August 14, 2014

Flexible Spending Accounts

Have an HSA and not an FSA? Learn about Health Savings Accounts. What are Flexible Spending Accounts? Flexible Spending Accounts (FSA) are usually offered by your employer and used for medical expenses.  They allow you to set aside funds for medical expenses before you pay taxes on the
Last Updated: July 16, 2013

Searching Accounts

How do I search accounts? Searching One Account YNAB has a fully functional search feature that helps you find transactions within your accounts. To start a search, first select the account you'd like to search, then click in the search box. (You can also search all accounts at the same
Last Updated: May 15, 2013

Health Savings Accounts

Have an FSA and not a HSA?  Learn about Flexible Spending Accounts (FSAs). What is a Health Savings Account? Health Savings Accounts (HSAs) are usually offered by your employer and used for medical expenses.  They allow you to set aside funds for medical expenses before you pay taxes
Last Updated: July 16, 2013

Balancing Accounts with the Budget

If you think that things aren't balancing correctly between your budget and accounts, you can check it by using these steps. Before working through these steps,  make sure your account balances are correct, and your transactions categorized correctly. Step 1: Make sure there are no
Last Updated: February 26, 2013

Entering Scheduled Transactions video

During this tutorial we demonstrate how to enter future scheduled transactions.
Last Updated: June 18, 2012

Split Transactions video

Sometimes a single purchase at one store can affect more than on category.  In this video you'll learn how to use YNAB's Split Transaction feature to deal with this situation.
Last Updated: June 8, 2012

Recording Spending video

This video explains how to record spending in YNAB.
Last Updated: June 8, 2012

Recording Income video

This video explains how to record your income in YNAB.
Last Updated: June 8, 2012

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