This Can be confusing when trying to learn how to do something. The difference between cleared and reconciled. its the same as if you wrote a cheque to me for $5000 but I don't cash it for a month. The Uncleared amount should have been the account balance with his pending paycheck (when reconciling, only Cleared transactions are taken into consideration). In fact, more often than not, you have a negative balance waiting to be paid off. I've been using YNAB for a month and a half (probably part of my problem) and I am having some issues. I am getting the feeling from reading new users posts that there are more and more people who exclusively use their phones for “online” purposes and they may not realize there is a difference in the functionality. (This may have been the case with the initially imported starting transactions. I need to know about them right now to make sure I have up-to-date information. Kwan Loong. There aren't any errors and I'm not missing anything." GNUCash seems to formalize future dated transactions, with 'Future Minimum Balance' calculated fields, and with a reconcile feature. I'm historically disasterously bad at budgeting. Current Reconciled Balance: $0, Targeted Reconcile Balance: $2 I keep these uncleared in YNAB. 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 … So I entered them and naturally, budgeted money for them. The uncleared deposits and checks in QuickBooks Online are not yet cleared in your bank, so you can leave those transactions as is. 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.) Your balances are out of sync. Orchid Mill Not automatically reconciled since that's a user process. The starting balance defaults to cleared, so you must have "uncleared" it at some point in the past. Orchid Mill You clear transactions by clicking the gray "C". Transactions that are cleared and uncleared will not … Still trying to figure all this out! YNAB Working Balance and Available Amount is $2248.64 (cleared balance + uncleared transactions). If you don't know which transaction hasn't been cleared, you can sort your transactions by the cleared column (click on the 'c' at the top of the cleared column). Furthermore, Pocketsmith should make it easier to monitor your forecast balance amounts vs actuals. Watch this quick video—and read the descriptions below—to find out why these statuses are so important to reconciliation. His account showed an incorrect balance, so I reconciled and then  it still wasn't correct. The spending awareness and connection it brings to your finances means actually being able to stick with budgeting. All of these balances are wrong … If you strictly rely on import for transaction entry (not recommended, BTW), the working balance should always match the cleared balance. Glad you found it useful. I don't see it mentioned so I'll add the bank balance should match the cleared balance. My Cleared/Working balance does not match my running balance. A day or two later they are shown as completed in my bank, and that's when I clear them in YNAB. This got a little weird when a transaction set was matched but not all the transactions in that set were in a currently cleared state. My YNAB isn't linked with my bank or anything like that. When you reconciled, the amount should have been the total in your husband's account without his paycheck, which is the Cleared amount. It sounds like your starting balance is incorrect, and a reconciliation adjustment will fix the current balance. After the balance gets cleared it will come to your account and status will change to cleared balance. The starting balance defaults to cleared, so you must have "uncleared" it at some point in the past. Account balances are a sum of the transactions in the account, so if any one transaction is incorrect—say your bank accidentally pulled in the incorrect Starting Balance amount—your account balance will be off. Before doing that, it shows $110.75 above bank. Wife: \"I didn\'t give you clearance for any of those transactions. I love a good comparison chart rather than sentences for these things. IE: t1 - $1 - cleared t2 - $1 - uncleared t3 - $1 - cleared. I know there’s a Budgeting on Mobile section but I don’t think it is clear to new users that there is a difference and what the differences are. One thing to watch out for is the CC website including pending transactions in whatever total you give to YNAB. We are completely confused about how YNAB categorizes and tallies credit card transactions. This should not be that big a task to program. You Need A Budget 4 (YNAB) Tudo Discussões Capturas de Ecrã Arte Transmissões Vídeos Notícias Guias Análises Tudo Discussões Capturas de Ecrã Arte Transmissões Vídeos Notícias Guias Análises Tried looking on their website, but haven't found anything to clears it up for me. It has a grey "C" next to it, which I assume to mean "uncleared". If you've manually entered transactions, those will be uncleared and the working balance will be temporarily more accurate than your CC's website. Can someone explain how this is supposed to work? Without correct account balances, your budget can’t be correct, so your active management of them is key—it’s one of the reasons why YNABers are so successful with their budgets. I deleted all the transactions from an account, deleted the account and then recreated it with the b same name. I balance my YNAB checkbook to match my bank account, yet the Uncleared balance amount wont go away, then it forces me to accept that amount as an adjusted amount to reconcile the account. I … I am terribly confused and am trying not to get frustrated. At the top of that screenshot, you’ll notice a green Cleared Balance. #5. 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. I'm afraid the answer is going to be the same as yesterday. 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. But I'm not sure what the difference between 'cleared' and 'reconciled' is typically used for, and when they would be set. This is true for all of our credit cards entered into YNAB. Mark them uncleared. You should reconcile your account periodically to ensure/verify the cleared balance in YNAB agrees with the real world. My bank first shows all transactions (debit or credit) as "pending". I transferred some money into another account, and that went fine and then budgeted the rest.Then things began to get out of whack. Is the starting balance uncleared or reconciled? save. If you clear all of the transactions and then reconcile, it should match your account balance. C means cleared and R means reconciled.. Reconciliation is simply saying, "OK, my bank knows about these transactions. Subscribe to our weekly newsletter. I have no idea how one reconciles a starting balance, beyond paying it off. You should reconcile your account periodically to ensure/verify the cleared balance in YNAB agrees with the real world. 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. No uncleared transactions exist. Now it reads that it is pretty close to what the amount in his account should be. On this day, we celebrate your addition to the wonderful world of the YNAB web app. 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. Credit cards in YNAB don’t have a positive balance that feeds the budget like checking and savings accounts. New comments cannot be … Hi Is it possible in a future release to be able to flip between only cleared (not possible now) and cleared/future (as it is now) in the left hand account overview. I imported all transactions since opening, and that's when it shows YNAB balance at $700 below bank balance. In YNAB your chequing account would show your real available balance. Orchid Mill are you only using the mobile app? ________________________________________________________________________________________________________. YNAB does not make any claims to monitor more than that. 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. Cleared transactions make up the Cle… Only cleared transactions will be reconciled in YNAB. If you don't log into YNAB inside that timeframe, you may well be missing transactions. Once all your transactions are cleared, the uncleared balance … I'd love to have access to both the cleared and the uncleared balance on an account. Direct Importing transactions is only one component of budget accuracy. A real working balance needs to include committed transactions, which YNAB doesn't for future ones. There does not appear to be a way to 'clear' this starting balance. I'm trying to reconcile my YNAB to my bank statement (I've just been eyeballing it), and I'm hung up on the uncleared balance. This morning our balances were accurate. Reconcile all accounts in YNAB and get them agreeing with reality. That should match your bank. If you’re able to use YNAB on the web, reconcile your accounts regularly. Watch this video on setting up credit cards in YNAB. If you use the mobile app exclusively, however, there’s still a lot you can do to keep your account balances up to date! Your call if you want to incorporate that adjustment amount into the starting transaction and then delete the adjustment. If you logged into the bank site, the balance there would be $5000 higher. In practice, you still need to reconcile because Import makes mistakes. When I go to reconcile it uses the running balance value. The 'c' icon on the right hand side of the transaction is grey for uncleared transactions and green for cleared transactions. Just like a house needs a solid foundation to be strong and long-lasting, your budget’s accuracy depends on having a strong foundation too. Uncleared Balance. Shouldn't a linked account be automatically reconciled? Reconciliation is simply an easy way to know there's a problem. 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. Cleared and Uncleared transactions are transactions that have already cleared your bank and transactions that are still pending (respectively). The cleared balance at the top of the screen showed zero, the uncleared had a small balance on it. The balances should theoretically track once they successfully agree. My Working Balance on my credit card is +$72.01. It has nothing to do with paying off any debt. 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