Major kudos go to Ian — our newest developer — who made all of this magic happen.
I just started our internal build 3.2.3.2709.
I opted for what we’re temporarily calling “strict budgeting.”
And wow. I have four warnings:
I can also see from my tab view that four transactions need some attention:
I clicked on the notification at the top of my Checking account and am shown the four offending transactions (after making sure I’m showing 
at the top-right of the register:
Woops. Those two for Porter and Harrison are recent. From less than a month ago! I select them both and bulk-categorize them as Income : Available Next Month. (For those wondering, I was shuffling money from their own ING accounts into their new bank savings accounts that we opened for them. The outflows happened in December as “Income : Available This Month” so I figured I’d set the inflow timing to also happen in December so it’d wash completely.) Our new build doesn’t like it if I just let things wash through the budget without a category!
I’m now dealing with two transactions:
You can see from the Split that I was making an adjustment to my budget because it was overstated. It was overstated because I…had forgotten to categorize some transaction(s) in the past and couldn’t find it to fix it! (Or didn’t want to take the time to).
But wait… I fixed it with a $22.19 transaction. And my first “forgot-to-categorize-this” transaction was only for $20.50. If I delete the $22.19 adjusting transaction (because I no longer need it) and categorize my HOA fees transaction…my budget will still be overstated by $1.69.
Hrm.
Oh wait. I no longer use a credit card and that account was hidden a while ago. It was also a Budgeted Account:
Woot!
And Taylor tells me we’ll actually notify you when Hidden accounts have actions that need to be taken, so there won’t be any sleuthing necessary at all.
You can optionally turn this feature on. I love it on.
And for the record, the first time I did this (when it was “for reals”), it took me about 45 seconds to find the transactions and take care of them.
Goodbye errors. Goodbye budget being out of balance. Good night moon.
I’m really looking forward to trying this. I’ve been on YNAB3 since the start of the public beta and have never attempted to balance because I am reasonably sure that I’m doing everything right. I’m sure that something will show up. I can only hope that any issues are small.
Opened ING accounts for the kiddos, eh? Someone wanted their $25 free dollars! I did too.
Neato! While you’re at it, account tab notes would be nice! :)
WTG Ian! This is very awesome!
Nice! I generally balance my budget every time I balance my checking account so I am usually spot on. this will be a nice feature though.
Will this effect accounts that you are tracking off budget in YNAB?
Nope. Off budget accounts aren’t even allowed to be categorized.
I am very excited about this! This will be so helpful for beginners as I found this is the thing that often stumps them and thus discourages them..
GREAT!!
Will the Off Budget Accounts be handled differently soon? That is, will there be more of an organized method instead of using recommended preface of “OFF – ” before the account name. Great job on all the hard work!
Hi Greg, we didn’t have this ready in the UI yet (so I couldn’t show the screenshot), but the Off Budget accounts will actually be grouped together separately. So yes :)
@Ishtar, we’re hoping to release this prior to the new year, so everyone can fix all of the errors they’re going to find ;)
When will we get to play with this new feature?
what about hybrid accounts?
Awsome changes. I am looking forward to the improvements.
Looking really good – can’t wait to get my hands on it. Thanks!
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Really happy to hear about this enhancement. I spent like 10 hour a few months ago fixing my whole budget because I had forgotten to categorize a couple of transactions. It took forever to track them down! I hope this helps prevent that from happening again.
Thanks again. Love the software.
Marco