# default > default knowledge base – help articles and documentation. ## Linked Accounts and File-Based Import - [Linked Accounts in YNAB](https://support.ynab.com/en_us/linked-accounts-in-ynab-B1991f2Cc.md): Linked accounts in YNAB use Direct Import. Learn about this feature and the actions you can take with these accounts and connections! - [Linked Account Statuses](https://support.ynab.com/en_us/linked-account-statuses-an-overview-HJdL52Qyo.md): Review the icons we use to share ataglance status updates for your linked accounts Take action to relink your accounts and reauthorize update or repair you - [Apple Wallet Connections in YNAB: Using Apple Card, Apple Cash, and Savings with Apple Card](https://support.ynab.com/en_us/apple-connections-rkShEfrUh.md): This article will explain how to use your Apple Wallet connection to import transactions from Apple Card, Apple Cash, and Savings with Apple Card. - [Apple Wallet in YNAB: Authorized Bank Connections](https://support.ynab.com/en_us/apple-third-party-H1gE_0CRyg.md): Connect applicable third party spending accounts in the United Kingdom to an iPhone running iOS 18.6 or higher to import transactions automatically. - [File-Based Import](https://support.ynab.com/en_us/file-based-import-a-guide-Bkj4Sszyo.md): This article teaches you how to download a file of transactions from your bank and drag and drop it into YNAB. Import large batches of transactions at once! - [Formatting a CSV File](https://support.ynab.com/en_us/formatting-a-csv-file-an-overview-BJvczkuRq.md): Want to bring large groups of transactions into your budget at once? This article will help you format a CSV file in order to use File-Based Importing in YNAB. - [Direct Import in Europe](https://support.ynab.com/en_us/direct-import-in-europe-Syae1z_A9.md): Direct Import is now available for select European banks. Our import provider has a growing list of supported financial institutions to choose from! - [Approving and Matching Transactions](https://support.ynab.com/en_us/approving-and-matching-transactions-a-guide-ByYNZaQ1i.md): Once you've imported transactions into YNAB, you'll want to review them. This article explains how to approve, reject, or modify your transactions. - [Pending Transactions](https://support.ynab.com/en_us/pending-transactions-an-overview-Bk0WoOcA5.md): YNAB now imports pending transactions from your linked account. This article provides general information on pending transactions. - [How to Handle Imported Credit Card Payments](https://support.ynab.com/en_us/how-to-handle-imported-credit-card-payments-SkXcoodci.md): When using a linked account, YNAB imports your credit card payments. This article explains how to handle credit card payments the first time they import. - [How Direct Import Works](https://support.ynab.com/en_us/how-direct-import-works-H1IGYLgnxl.md): Learn how YNAB’s Direct Import feature helps automatically link your bank account, import transactions, manage balances, and troubleshoot issues. - [Adding Transactions Without Direct Import](https://support.ynab.com/en_us/adding-transactions-without-direct-import-B1kBALVaxx.md): Learn how to manually add and categorize transactions in YNAB when direct import isn’t available, so your plan stays accurate and up to date. - [Is my bank connection using Plaid or MX as a Direct Import provider?](https://support.ynab.com/en_us/which-direct-import-provider-SkcusCQeWe.md): If you'd like to check which direct import provider a specific bank connection of yours is using follow these steps. iOS Tap the Accounts tab - [Manage Your Bank Connections in YNAB](https://support.ynab.com/en_us/manage-bank-connections-SySQ5lTxbx.md): Learn how to access the Manage Bank Connections window and take advantage of its information and features. ## Interactive Guides - [Interactive Guide for Reconciling Accounts](https://support.ynab.com/en_us/interactive-guide-for-reconciling-accounts-SkpVV58BGg.md): Reconcile your YNAB accounts step by step with this interactive guide. Match your balance to the bank, fix mismatches, and keep your budget accurate. - [Interactive Guide for Sharing with YNAB Together](https://support.ynab.com/en_us/interactive-guide-for-sharing-with-ynab-together-BJ43eYwHze.md): Share YNAB Together with friends or family. Learn how to invite, remove, and manage members, and share plans in YNAB. - [Interactive Guide for the YNAB Checkup](https://support.ynab.com/en_us/interactive-guide-for-the-ynab-checkup-r1gXx0PBMe.md): Perform a YNAB Checkup to confirm your plan. Review overspending, account balances, and Ready to Assign step by step. ## Quick Videos - [Overspending and the Monthly Rollover](https://support.ynab.com/en_us/overspending-and-the-monthly-rollover-S1ySgcLSMx.md): Learn how to fix overspending that rolls into a new month in YNAB using Move Money, and what to check afterward in your plan. - [Credit Cards - Funded Spending](https://support.ynab.com/en_us/credit-cards-funded-spending-By7XIs8HMg.md): Learn how YNAB's Credit Card Payment category works. Funded spending automatically moves money to cover your card balance as you spend. - [Credit Cards - Handling a Starting Balance](https://support.ynab.com/en_us/credit-cards-handling-a-starting-balance-HJfEwsLHfe.md): Learn how to handle a credit card starting balance in YNAB. Assign cash to cover it in full, or set a target to pay it down over time. ## Accounts and Transactions - [Getting Started with Reconciling Accounts](https://support.ynab.com/en_us/getting-started-with-reconciling-accounts-an-overview-Sy3JWx4Js.md): Reconciliation--the process of making sure the transaction and balance information in YNAB matches your bank. This article provides an overview of the process. - [Reconciling Accounts](https://support.ynab.com/en_us/reconciling-accounts-a-guide-BJFE3fHys.md): Here are the steps to successfully reconcile your YNAB accounts! This process matches your transactions and balance at the bank with the ones in YNAB. - [Troubleshooting Reconciliation Issues](https://support.ynab.com/en_us/troubleshooting-reconciliation-issues-rJkijlVki.md): Reconciliation is an important step to keeping your budget accurate and updated. If you hit a snag while reconciling, this article will help you troubleshoot. - [Finding Your Cleared Balance to Reconcile](https://support.ynab.com/en_us/finding-your-cleared-balance-to-reconcile-an-overview-BkH27l_A9.md): This article will assist you in finding the cleared balance for your real-life bank and credit card accounts so that you can reconcile your accounts in YNAB. - [How to Add Income and Other Inflows](https://support.ynab.com/en_us/how-to-add-income-and-other-inflows-H1ZNjfZJi.md): This article explains how to enter your income into YNAB. It also covers reimbursements, refunds, and other inflows. - [How to Add Transactions in YNAB](https://support.ynab.com/en_us/how-to-add-transactions-in-ynab-HyDwA_byi.md): There are several ways to get transactions into your account registers. This article explains them all. - [How to Edit and Delete Transactions](https://support.ynab.com/en_us/how-to-edit-and-delete-transactions-BJG4oS1s.md): Whether a transaction imported or you've entered it yourself, you can take a variety of actions with it—including editing and deleting! - [Account Types (Cash, Credit, Loan, and Tracking)](https://support.ynab.com/en_us/account-types-an-overview-BkmGM0qCq.md): YNAB has three types of accounts: Budget Loan or Tracking. Here's how to decide which one is best for you and how they work in your budget. - [How to Add an Account](https://support.ynab.com/en_us/how-to-add-an-account-ByoxswMJs.md): This article explains how to add an account in YNAB. You can complete these steps on any of our apps. - [How to Close or Delete Bank Accounts in YNAB](https://support.ynab.com/en_us/how-to-close-or-delete-an-account-in-ynab-ry_409Gko.md): The option to Close Account versus Delete Account depends on whether the bank account has transaction history. We recommend closing first, as it maintains... - [Edit Account Details](https://support.ynab.com/en_us/edit-account-details-an-overview-S1qj7MuR5.md): Need to modify the details for any of your accounts in YNAB? No problem! You can make multiple customizations all from one account details window. Here's how! - [Transfer Transactions](https://support.ynab.com/en_us/transfer-transactions-a-guide-HJOsZz4Jj.md): This article explains how to create transfer transactions and how to handle imported transactions. - [Scheduled Transactions](https://support.ynab.com/en_us/scheduled-transactions-a-guide-BygrAIFA9.md): You can plan for future and repeating transactions right in the account register, and see what expenses are coming up. We call these Scheduled Transactions. - [Editing and Deleting Scheduled Transactions](https://support.ynab.com/en_us/editing-and-deleting-scheduled-transactions-a-guide-Skru9yNJo.md): Need to modify a scheduled transaction? You can view, edit, delete, or "Enter Now" individual transactions, or all future repeating scheduled ones, too. - [Handling Cash in YNAB](https://support.ynab.com/en_us/handling-cash-in-ynab-a-guide-BJVYYkXR9.md): YNAB is built to work for you, whatever money format you use! When handling cash, you can either add a specific cash account, or treat cash as a category. - [Troubleshooting Your Plan](https://support.ynab.com/en_us/troubleshooting-your-plan-r19HPofJo.md): Running into trouble with your plan? We can help! This article offers a list of common scenarios that might cause a YNABer difficulty with their plan. - [Tracking Investment Accounts](https://support.ynab.com/en_us/tracking-investment-accounts-a-guide-r1Bzjxd05.md): Since investment funds aren't included in your categories, you don't have to add the accounts in YNAB. We have two options for tracking investments and assets! - [How to Add a Health Savings Account in YNAB](https://support.ynab.com/en_us/how-to-add-a-health-savings-account-in-ynab-ByRXzZOAc.md): Tax-advantaged savings accounts (HSAs or FSAs) can only be spent on medical expenses. You don't have to add these in YNAB, but you can track them if you'd like! - [Running Balance](https://support.ynab.com/en_us/running-balance-an-overview-Syk1ZgdRc.md): This article explains how to show a running balance in your account register. It also explains what to do if your running balance seems incorrect. - [Balance Adjustments](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs.md): This article explains when to make a balance adjustment in YNAB. It also recommends reconciliation balance adjustments over manual balance adjustments. - [The Starting Balance](https://support.ynab.com/en_us/the-starting-balance-an-overview-H1uozOfJs.md): This article provides useful information about your Starting Balance, including what it encompasses and how to include past transactions in it. - [Categorizing Transactions](https://support.ynab.com/en_us/categorizing-transactions-a-guide-HyRl60sks.md): Categorizing transactions tells YNAB how to update your plan. Once you've set a category for a payee, YNAB does this automatically. Here's how this works! - [Searching, Sorting, and Filtering Transactions](https://support.ynab.com/en_us/searching-transactions-a-guide-r1gxyQryj.md): You can use the search, sort, and filter options in YNAB to find the details of a particular transaction in YNAB. - [Approving and Matching Transactions](https://support.ynab.com/en_us/approving-and-matching-transactions-a-guide-ByYNZaQ1i.md): Once you've imported transactions into YNAB, you'll want to review them. This article explains how to approve, reject, or modify your transactions. - [Split Transactions](https://support.ynab.com/en_us/split-transactions-a-guide-SJLEKwY0q.md): Here's how to enter split transactions into YNAB If you often spend from multiple categories (or to multiple payees!) in a single transaction. - [How to Add, Edit, and Delete Payees](https://support.ynab.com/en_us/how-to-add-edit-and-delete-payees-rkxMu4Skj.md): Manage your payees efficiently in the web version of YNAB Learn how to create new payees in the account register and edit payee details including name changes - [How to Rename Payees: Using Renaming Rules to Update Future Transactions](https://support.ynab.com/en_us/how-to-rename-payees-BkotNUSyo.md): The payee that initially appears in your account register is how YNAB imported it from the bank. You can edit it to create a renaming rule going forward! - [Flags](https://support.ynab.com/en_us/flags-a-guide-Skh8Xb4kj.md): Looking to add some extra detail to your expenses? Our Flags feature allows you to color code (and label) similar transactions that have separate categories. - [Colors and Icons in Your Account Register](https://support.ynab.com/en_us/colors-and-icons-in-your-account-register-Hk_w6UBki.md): This article provides an overview of the meaning behind each color and icon in your register. - [Changing an Account Type](https://support.ynab.com/en_us/changing-an-account-type-a-guide-HJRnSXWko.md): Explore the process of changing account types in YNAB noting the implications on your plan when changing between certain types Follow our platformspecific in - [Geo Payees on Mobile: A Guide](https://support.ynab.com/en_us/geo-payees-on-mobile-a-guide-SJTbcVks.md): FAQs and steps to enable or disable YNAB's mobile app Geo Payees feature. You can autofill payee, category, and account for saved locations. - [Negative-Balance Offset Accounts](https://support.ynab.com/en_us/negative-balance-offset-accounts-HkPKvOCc.md): This article will help you determine whether a negative-balance offset account setup is right for you. If so, it also covers the steps you'll need to take. - [Handling Gift Cards in YNAB](https://support.ynab.com/en_us/handling-gift-cards-in-ynab-an-overview-BJq6JW_05.md): This article explains your options when it comes to using gift cards with your YNAB plan. - [Managing Payment Processors (Like PayPal and Venmo) in YNAB](https://support.ynab.com/en_us/managing-payment-processors-like-paypal-and-venmo-in-ynab-an-overview-HJYM4WuR9.md): Payment processor apps like PayPal or Venmo allow you to seamlessly pay or receive funds through your bank account. Here's how to reflect that in YNAB. - [Splitwise and YNAB](https://support.ynab.com/en_us/splitwise-and-ynab-a-guide-H1GwOyuCq.md): Are you using Splitwise to help manage transactions of shared expenses? Here's how to reflect these in YNAB. - [Payroll Deductions](https://support.ynab.com/en_us/payroll-deductions-an-overview-HJMG_8WR9.md): This article explains how to use Tracking accounts for payroll deductions. - [How to Use Electronic Benefit Transfer (EBT) Cards in YNAB](https://support.ynab.com/en_us/how-to-use-electronic-benefit-transfer-ebt-cards-in-ynab-HJYYUZdR9.md): Government issued EBT cards are mainly for use on groceries. If you'd like to track the funds in YNAB, you'll add the card as an unlinked cash account. - [Positive-Balance Offset and Redraw Account Setup](https://support.ynab.com/en_us/positive-balance-offset-and-redraw-account-setup-rk11XHIlh.md): This article will provide the steps needed to set up Positive-Balance Offset and Redraw Accounts in YNAB. - [Correcting Balances in Closed Accounts](https://support.ynab.com/en_us/correcting-balances-in-closed-accounts-a-guide-r1FanMXb3.md): This article provides the steps you need to take now (and in the future) to verify each closed account in YNAB has a $0 balance. - [Credit Card Refunds and Returns](https://support.ynab.com/en_us/credit-card-refunds-and-returns-H1J7qDWkj.md): When categorizing inflows from credit card returns in YNAB, the category to choose depends on whether the purchase was planned for initially in YNAB or not. - [Tax Season with YNAB: Export Transactions and Data](https://support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT.md): Prepare for tax season by downloading your transactions, categories, and reports from YNAB to share with an accountant, CPA, bookkeeper, etc. - [Use Photos and Memos to Add Context to Transactions](https://support.ynab.com/en_us/add-context-to-transactions-HyCpTR4bg.md): Add photos and memos to your transactions so, when you look back on your spending, you’ll know exactly what was going on. ## Planning - [Getting Started with Targets](https://support.ynab.com/en_us/getting-started-with-targets-ryAEP08xC.md): Learn how to customize the cadence and behavior of targets to help you plan ahead for upcoming expenses. - [How to Use Targets](https://support.ynab.com/en_us/how-to-use-targets-rk5kkI9ks.md): This article explains how to create, edit, delete, and monitor targets in YNAB. - [Snooze a Target](https://support.ynab.com/en_us/snooze-a-target-HyS4E5rZT.md): Learn what to expect when snoozing a target in YNAB. Snoozed targets will no longer show as yellow. - [When Ready to Assign is Negative](https://support.ynab.com/en_us/when-ready-to-assign-is-negative-an-overview-HylZA0zCc.md): When Ready to Assign is negative, this means you have overassigned. Here are several scenarios that can cause this—and how to fix it! - [Auto-Assign](https://support.ynab.com/en_us/auto-assign-a-guide-r1gBNbBJo.md): Auto-Assign is a feature in YNAB that makes budgeting simple and fast. It has numerous options, allowing for flexibility as you assign your dollars. - [Assigning Your Money](https://support.ynab.com/en_us/assigning-your-money-a-guide-SypgkrNJi.md): Assign money in YNAB using either methods manual assignment or AutoAssign Apply the YNAB Method and Give Every Dollar a Job whenever funds are available. - [Using YNAB as Partners](https://support.ynab.com/en_us/partner-HJqX5Br1j.md): This article offers a list of YNAB-related features and resources to manage your finances and strengthen your relationship when YNABing with a partner. - [When the Month Rolls Over](https://support.ynab.com/en_us/when-the-month-rolls-over-a-guide-rkyyd6qC9.md): When a new month starts in your plan we call this the monthly rollover. Here's what changes in your plan and how to trust your numbers going forward! - [Starting YNAB in the Middle of the Month](https://support.ynab.com/en_us/starting-ynab-in-the-middle-of-the-month-a-guide-rJH96acA9.md): Even though YNAB uses a monthly view, you don't have to wait for the first of the month to create your plan. We can help you with this! - [Plan Resets and Fresh Starts in YNAB](https://support.ynab.com/en_us/plan-resets-and-fresh-starts-HkXYR_c0q.md): Decide whether you'd like to make a Plan Reset or Fresh Start in YNAB. Gain clarity on your spending with a reset plan. - [Creating a Plan Template](https://support.ynab.com/en_us/creating-a-plan-template-ByZJZx_R9.md): This article explains how to create a plan template by following the YNAB Method. A plan template allows you to assign only the dollars you have right now. - [How to Keep Your Plan Accurate](https://support.ynab.com/en_us/how-to-keep-your-plan-accurate-SyC9mj9Rq.md): This article provides a routine for keeping your plan accurate so that you can always trust the amounts in your plan. - [How to Perform a YNAB Checkup](https://support.ynab.com/en_us/checkup-S1vJzWGzo.md): A checkup is a great way to make sure that your plan is on track, especially if you're not sure what's wrong but things just don't look right. - [Colors and Icons in Your Plan](https://support.ynab.com/en_us/colors-and-icons-in-your-plan-HJQv_XHko.md): This article explains the meaning behind the colors and icons you may see in your Available column and the Money Moves section of your budget. - [Adding, Removing, and Customizing Categories](https://support.ynab.com/en_us/adding-removing-and-customizing-categories-a-guide-HJFO5j909.md): This article shows you how to add edit and organize your categories and category groups in YNAB. - [Moving Money in Your Plan](https://support.ynab.com/en_us/moving-money-in-your-plan-ryyCKbBJi.md): This article shows you how to move money from category to category, allowing your plan to change as your needs and priorities change. - [Getting a Month Ahead](https://support.ynab.com/en_us/getting-a-month-ahead-HJidy13C5.md): This article explains how to assign the rest of your money if the current month has already been fully funded. - [Handling Overspending in YNAB](https://support.ynab.com/en_us/overspending-in-ynab-a-guide-ryWoxEyi.md): Overspending happens whenever you spend more from a category than you had in the Available column. This article will show you how to find and fix overspending. - [Troubleshooting Your Plan](https://support.ynab.com/en_us/troubleshooting-your-plan-r19HPofJo.md): Running into trouble with your plan? We can help! This article offers a list of common scenarios that might cause a YNABer difficulty with their plan. - [Category Balances versus Account Balances](https://support.ynab.com/en_us/category-balances-versus-account-balances-an-overview-ryvnKB_Ac.md): With YNAB, you don't need multiple bank accounts to organize your money—categories do it for you! Category and account balances won't always match, and it's ok! - [Underfunded](https://support.ynab.com/en_us/underfunded-a-guide-BJwPhQO09.md): This article covers how our Underfunded option works. It also provides an overview and deep dive of the logic behind the feature. - [Targets for Categories Paired with Accounts](https://support.ynab.com/en_us/paired-targets-BJJI8rdC5.md): YNAB has three special target types that can only be used when a category is paired with an account. This article covers the way each of these targets work. - [The Inspector](https://support.ynab.com/en_us/the-inspector-an-overview-ryylY7OCq.md): The Inspector will help you better understand your income and expenses in past, present, and future months. - [The Plan Header](https://support.ynab.com/en_us/the-plan-header-BkmiuJ_C9.md): In the web app the area at the top of your plan is called the Plan Header. It allows you to navigate your plan & it tells you how many dollars need jobs. - [Negative Amounts in the Assigned Column](https://support.ynab.com/en_us/negative-amounts-in-the-assigned-column-an-overview-rJ2fMFzyo.md): This article explains how and why you might see a negative amount in the Assigned column. - [How to Fix Mistakes with Undo and Redo](https://support.ynab.com/en_us/how-to-fix-mistakes-with-undo-and-redo-HJzO5CfA9.md): Make a mistake while budgeting? We can't revert your budget back to a specific date or time, but you can use the "Undo" and "Redo" buttons in the web app. - [Using the Calculator](https://support.ynab.com/en_us/using-the-calculator-an-overview-Sy52riYRc.md): You can do calculations right in YNAB using our built-on calculator on our iOS, Android, and web app platforms. Here's how! - [How to Use Emoji in Your Plan](https://support.ynab.com/en_us/how-to-use-emoji-in-your-plan-SJTNIyQAc.md): You love 'em. We love 'em (most of us anyway). It's easy to add emoji to YNAB. - [Progress Bars](https://support.ynab.com/en_us/progress-bars-a-guide-SkDEhot09.md): When you have progress bars turned on, you can quickly see where you've got overspending, how much you need to meet a target, and if you've spent too much. - [How to Add Notes](https://support.ynab.com/en_us/how-to-add-notes-Byytt_YC9.md): Sometimes, it's nice to add details about certain months, categories, or accounts in YNAB. That's what notes are for! - [Support Access](https://support.ynab.com/en_us/support-access-an-overview-ry2JI2C3j.md): When you enable Support Access, you give our support team the ability to view your plan and provide individualized support. - [Using Multiple Currencies in YNAB](https://support.ynab.com/en_us/using-multiple-currencies-in-ynab-a-guide-SyBF6PHno.md): When using more than once currency, we recommend creating a separate budget. This article will help you manage multiple currencies in YNAB. - [The Wish Farm](https://support.ynab.com/en_us/the-wish-farm-an-overview-SJfWnOLRj.md): The Wish Farm technique helps you prioritize and save for nice-to-have items and experiences while still covering the necessities. - [How to Set up a Small Business Plan](https://support.ynab.com/en_us/how-to-set-up-a-small-business-plan-rJ483f2Qh.md): This article provides ideas for using YNAB with your small business. - [Focused Views](https://support.ynab.com/en_us/focused-views-a-guide-BksnNYqLh.md): Focused Views allow you to see a small subset of your YNAB categories. - [Transitioning From Mint to YNAB](https://support.ynab.com/en_us/transitioning-from-mint-HJJSQvW7a.md): Moving on from Mint? Learn how YNAB can work for you! We're a flexible and empowering financial software, here to help you love how you spend your money. - [Hide Amounts](https://support.ynab.com/en_us/hide-amounts-ry0jgLaOJg.md): With Hide Amounts on our mobile apps, you can share an example of your spending plan without revealing your financial information. - [At Home in YNAB](https://support.ynab.com/en_us/spotlight-BkdHBZUokg.md): Learn how to make the most of Spotlight a new space in YNAB Use Spotlight to to reflect on your priorities work toward goals and intentionally spendp L - [Spaces in (and out of) the Mobile App](https://support.ynab.com/en_us/spaces-in-the-mobile-app-S1iIZQoqgg.md): Learn a bit about the main spaces in the YNAB mobile app. - [Using YNAB with Variable Income](https://support.ynab.com/en_us/using-ynab-with-variable-income-an-overview-BynJaHZ09.md): This article explains how to thrive when using YNAB with a variable income. We'll help you plan for the future and keep funds available during leaner months. - [Assigning Future Income: An Overview](https://support.ynab.com/en_us/assigning-future-income-an-overview-BJsTo0jCq.md): When using YNAB, you only assign the dollars you have on hand right now. This article explains how to look at upcoming expenses without assigning future income. - [How to Keep Your Accounts Simple](https://support.ynab.com/en_us/how-to-keep-your-accounts-simple-HyGw_QxRq.md): A simple plan is a more effective plan. The accounts in YNAB are the foundation of your plan, so a simple setup helps build a realistic plan that lasts. - [How Much to Keep in Your Checking Account](https://support.ynab.com/en_us/how-much-to-keep-in-your-checking-account-a-guide-ryZNWymAc.md): It's important to keep enough in your accounts to cover bills and expenses with a small cushion. This article will show you how. - [How to Adjust Your Plan on Any Pay Cycle](https://support.ynab.com/en_us/how-to-adjust-your-plan-on-any-pay-cycle-HkpGZdW1o.md): Can I change the period to match my pay cycle? How do I use a monthly plan when I'm paid every two weeks? YNAB works with any pay cycle! Here's how. - [How to Assign Your Savings](https://support.ynab.com/en_us/how-to-assign-your-savings-rkJ_Yy3Rq.md): Set up your savings account as a Cash account and choose the savings option Assign those dollars to categories and include your emergency savings too Foll ## Credit Cards and Debt - [When Your Credit Card Payment Category is Red](https://support.ynab.com/en_us/when-your-credit-card-payment-category-is-red-a-guide-SJDSr3Q1i.md): A red Credit Card Payment category means you paid more to the credit card company than was Available in the category. Here's why this happens and how to fix it! - [Credit Card Payments](https://support.ynab.com/en_us/credit-card-payments-a-guide-r1_506Q1j.md): Record payments to your credit card in YNAB. - [Handling Credit Cards in YNAB](https://support.ynab.com/en_us/handling-credit-cards-overview-ry7cNub1s.md): Explore how credit cards function in YNAB recognizing that spending decisions are based on category Available amounts not the payment method itself Learn the - [Paid in Full Credit Cards](https://support.ynab.com/en_us/paid-in-full-credit-cards-a-guide-Hk56hPMyo.md): YNAB is designed to help you pay your credit card in full each month. Whenever you're ready, here's how to manage a paid in full card with your plan. - [Handling Credit Card Overspending](https://support.ynab.com/en_us/credit-card-overspending-an-overview-HkMGpSbJs.md): This article shows what credit card overspending looks like in YNAB. It also explains how to find and cover credit card overspending on web, iOS, or Android. - [How to Handle Credit Card Rewards and Statement Credits](https://support.ynab.com/en_us/credit-card-rewards-and-statement-credits-a-guide-ryoRzYY0q.md): Wondering how to categorize rewards or credits on your credit card? You'll typically use Inflow: Ready to Assign. Here's how inflows like these work in YNAB! - [Paying Down a Credit Card Balance Over Time](https://support.ynab.com/en_us/paying-down-a-credit-card-balance-over-time-H1uY7hQyo.md): Make payments, track credit card interest and fees, and make use of a dedicated interest category. Learn how to use targets to set debt payoff goals. - [Troubleshooting Your Plan](https://support.ynab.com/en_us/troubleshooting-your-plan-r19HPofJo.md): Running into trouble with your plan? We can help! This article offers a list of common scenarios that might cause a YNABer difficulty with their plan. - [Loan Accounts](https://support.ynab.com/en_us/loan-accounts-a-guide-HkNSkPHJi.md): Use loan accounts to track your loans and assign money for payments View your progress as you pay off mortgage auto student medical or personal loans Deci - [Student Loans in YNAB](https://support.ynab.com/en_us/student-loans-in-ynab-a-guide-B1rUVwKSs.md): YNAB can help you gain total control of your student loans and pay them off. Here's how to use our loan account feature to handle student loans in YNAB. - [Handling Interest in Loan Accounts](https://support.ynab.com/en_us/handling-interest-in-loan-accounts-a-guide-r1Y17LAkj.md): Here's how YNAB calculates and applies interest in loan accounts, and how to troubleshoot or even edit the amount if it doesn't match your lender's calculation. - [The Credit Card Float](https://support.ynab.com/en_us/float-BytrIDZJi.md): Learn about the credit card float"— how to diagnose it and how to get off of it to ensure you're not depending on current income to cover last month's spending. - [Credit Card Activity](https://support.ynab.com/en_us/credit-card-activity-an-overview-Sk2mLluA9.md): This article provides information on the Credit Card Activity window. You can use this feature to learn more about your total credit card spending/activity. - [Credit Card Cash Advances](https://support.ynab.com/en_us/credit-card-cash-advances-an-overview-Hy6PmlOC9.md): If you transfer funds from a credit card to a cash account, this is a cash advance in YNAB. A few different things happen in your plan. Here's what to do! - [Credit Cards with a Positive Balance](https://support.ynab.com/en_us/credit-cards-with-a-positive-balance-an-overview-By_H6uzJo.md): When a credit card has a positive balance, YNAB treats it like a checking account until the balance goes negative again. Here's what that looks like! - [Managing Shared Credit Cards](https://support.ynab.com/en_us/managing-shared-credit-cards-a-guide-Hkm6ob_Cq.md): If you share a credit card with someone that you don't share a budget with, that's okay! Use these steps to manage shared credit cards in YNAB. - [How to Make a Credit Card Balance Transfer](https://support.ynab.com/en_us/how-to-make-a-credit-card-balance-transfer-ry5ETLWJo.md): Transferring a balance to another credit card? No problem! We can reflect that in YNAB with a balance transfer transaction. - [Intentional Credit Card Overspending](https://support.ynab.com/en_us/intentional-credit-card-overspending-an-overview-HJrSQbOC9.md): Learn how intentional credit card overspending appears in your plan Create a plan to pay it off over time Review your Credit Card Payment category to determin - [Line of Credit Accounts](https://support.ynab.com/en_us/line-of-credit-accounts-a-guide-S10LHsqkl.md): Learn how to set up and maintain your Line of Credit or Home Equity Line of Credit accounts in YNAB. - [How to Unpair a Loan Account from a Category](https://support.ynab.com/en_us/how-to-unpair-a-loan-account-from-a-category-ByxLp_C9.md): If a category is paired with a Loan account, it can only be used for payments to that specific loan. Here's when and how you'd want to unpair! - [How to Handle Imported Credit Card Payments](https://support.ynab.com/en_us/how-to-handle-imported-credit-card-payments-SkXcoodci.md): When using a linked account, YNAB imports your credit card payments. This article explains how to handle credit card payments the first time they import. - [How to Fix the Starting Balance Error in Loan Accounts](https://support.ynab.com/en_us/how-to-fix-the-starting-balance-error-in-loan-accounts-Hyx_2xd0c.md): If you're seeing a warning saying "We found an error with the Starting Balance of this account", here's how to correct this and clear it out! - [Managing Buy Now, Pay Later Purchases in YNAB: An Overview](https://support.ynab.com/en_us/managing-buy-now-pay-later-purchases-in-ynab-an-overview-BJrmfNdVj.md): This article offers tips on keeping track of Buy Now, Pay Later programs when using YNAB. - [Underfunded Alert in the Credit Card Payment Category](https://support.ynab.com/en_us/underfunded-alert-in-the-credit-card-payment-category-a-guide-rkeh40G5h.md): Learn how to respond to the Underfunded alert for your Credit Card payment category in YNAB. - [The Credit to Cash Roadmap](https://support.ynab.com/en_us/the-credit-to-cash-roadmap-r11FgcqJx.md): Learn how to organize your plan when using credit cards to cover expenses between paychecks so you can make clear confident decisions with every new dollar - [How to Fix Your Credit Card Payment Category](https://support.ynab.com/en_us/how-to-fix-your-credit-card-payment-category-HJkRdjAVMl.md): Fix your Credit Card Payment category in YNAB with 3 simple steps that work no matter the cause, and get back to fully funded. - [Getting Out of Overdraft](https://support.ynab.com/en_us/getting-out-of-overdraft-in-ynab-a-guide-B1blkysC9.md): One of YNAB's fundamental concepts is to plan using only the money you have right now, but what if your accounts are negative? That's okay. We can help! - [Getting Out of Debt](https://support.ynab.com/en_us/getting-out-of-debt-ByMlJW_C9.md): Since a budget is nothing more or less than a plan for your money paying off debt is a plan within that plan If you have multiple debts the order in whi - [Paying Down a Credit Card Balance Over Time](https://support.ynab.com/en_us/paying-down-a-credit-card-balance-over-time-SkWj0Ls8Me.md): Make payments, track credit card interest and fees, and make use of a dedicated interest category. Learn how to use targets to set debt payoff goals. ## Tools and Reflection - [How to Export Plan Data](https://support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9.md): YNAB includes a number of useful export feature. You can export your entire budget, including transactions. - [How to Export Reflection Data](https://support.ynab.com/en_us/how-to-export-reflection-data-Bykou09.md): This article explains how to export reflection data from the YNAB web app. - [Keyboard Shortcuts](https://support.ynab.com/en_us/keyboard-shortcuts-Skw9Xp9A9.md): This article provides a list of keyboard shortcuts to help you navigate your plan, accounts, and transactions. - [Reflect in YNAB](https://support.ynab.com/en_us/reflect-in-ynab-B1GJsrWkj.md): Gain even more insight into your budgeting, spending, and saving behaviors. - [Spending Breakdown](https://support.ynab.com/en_us/spending-breakdown-H1H7YxmD0.md): Spending Breakdown allows you to see categories by spending percentage and easily identify categories with a greater inflow than outflow. - [Spending Trends](https://support.ynab.com/en_us/spending-trends-H1inlhzAc.md): Review your spending totals over time, and analyze your spending trends with a bar graph. - [Income vs. Spending and Income v Expense](https://support.ynab.com/en_us/income-v-expense-Byu1BYWRq.md): Income vs. Spending in our mobile apps provides a quick snapshot of how your income compares to your spending. Income v Expense in our web app provides detail. - [Net Worth](https://support.ynab.com/en_us/net-worth-BkwQO5WA5.md): Consider the way your spending and saving decisions impact all of your accounts. Track your net worth over time. - [Age of Money](https://support.ynab.com/en_us/age-of-money-H1ZS84W1s.md): Age of Money shows how many days go by, on average, between earning your money and when you spend it. - [Feedback and Feature Requests](https://support.ynab.com/en_us/feedback-and-feature-requests-an-overview-rJgD33fAq.md): We're so excited that you have feedback and feature requests to share with us! This article will show you how to submit feature requests. - [Alternatives to Printing](https://support.ynab.com/en_us/alternatives-to-printing-a-guide-ryisuObRc.md): YNAB doesn't have a built-in print function, but this article offers two solutions that will help you share your budget. - [The YNAB API](https://support.ynab.com/en_us/the-ynab-api-an-overview-BJMgQ3zAq.md): YNAB has an API or Application Programming Interface. You can access the raw data in your budget, and developers can build integrations. - [Shortcuts on iOS](https://support.ynab.com/en_us/shortcuts-on-ios-a-guide-Bk_lHa5Aq.md): Here's how to create and use a shortcut with YNAB on iOS! Save time by not needing to enter the details of your repeated daily transactions. Coffee anyone? - [YNAB 4 Classic](https://support.ynab.com/en_us/how-to-migrate-from-ynab-4-classic-SknCxaj82.md): Learn how to prepare for migration from YNAB 4 Follow our steps to migrate and learn what to do to move forward with your plan Review the various changes and - [Tax Season with YNAB: Export Transactions and Data](https://support.ynab.com/en_us/tax-season-with-ynab-rkGAspIrT.md): Prepare for tax season by downloading your transactions, categories, and reports from YNAB to share with an accountant, CPA, bookkeeper, etc. - [Category Templates](https://support.ynab.com/en_us/category-templates-HknjS_RA.md): Review a list of ready-made templates. Import them into your spending plan, selecting only the categories that inspire you. - [Hide Amounts](https://support.ynab.com/en_us/hide-amounts-ry0jgLaOJg.md): With Hide Amounts on our mobile apps, you can share an example of your spending plan without revealing your financial information. - [Plan and Adjust with Edit Plan and Cost to Be Me](https://support.ynab.com/en_us/plan-and-adjust-with-edit-plan-and-cost-to-be-me-ByR7vpqPyx.md): Learn how to access Edit Plan and use it to compare the total of your targets with your expected income. - [Using Siri and Spotlight with YNAB](https://support.ynab.com/en_us/using-siri-and-spotlight-with-ynab-B1Me9dj5ge.md): Learn how to pair YNAB with Siri. - [YNAB's ChatGPT App](https://support.ynab.com/en_us/ynab-and-chatgpt-H1QI25JRZe.md): - [The YNAB App](https://support.ynab.com/en_us/the-ynab-app-SyP94gTjkx.md): Learn about YNABs mobile and webbased app ️ built on a proven method that helps you get good with money so you never have to worry about money again. - [YNAB Glossary](https://support.ynab.com/en_us/ynab-glossary-a-guide-BJd80SORq.md): YNAB has a unique language for actions and features in the app. This guide can help translate some of those key terms! ## Settings and Subscription - [How to Get Help in YNAB](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5.md): Want personalized help? Our YNAB Support team is standing by. Use these steps to send a message in the web app or iOS and Android mobile apps. - [How to Manage Your Subscription](https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q.md): Learn how to change your billing info download an invoice or receipt or cancel your subscription The steps depend on which platform you subscribed through i - [YNAB Together](https://support.ynab.com/en_us/ynab-together-B1nS78Cki.md): This article explains how to navigate YNAB Together as a group manager and group member, and includes plan sharing and permissions details. - [Joining YNAB Together as an Existing User](https://support.ynab.com/en_us/joining-ynab-together-as-an-existing-user-an-overview-SJZ7E8Cys.md): This article explains how to join a YNAB Together group with an existing YNAB account. - [How to Sign In with Google or Apple](https://support.ynab.com/en_us/how-to-sign-in-with-google-or-apple-BkE7jElRq.md): Access or share your plan without using or sharing your password with Single SignOn SSO Enable SSO in YNAB to log in using Google or Apple credentials elim - [How to Protect Your Account With Two-Step Verification](https://support.ynab.com/en_us/how-to-protect-your-account-with-two-step-verification-rkKHuLlRc.md): You can add additional protection and security to your YNAB account with two-step verification! Here's how to enable, disable, or troubleshoot this feature. - [Troubleshooting Bugs or Issues in YNAB](https://support.ynab.com/en_us/troubleshooting-bugs-or-issues-in-ynab-an-overview-ByiMG2fAc.md): This article walks through what to do if you run into buggy behavior in YNAB. These steps will either solve your issue or give you a way to report to us! - [Subscription Sales Tax](https://support.ynab.com/en_us/subscription-sales-tax-an-overview-Hy2dRCGCq.md): Several U.S. cities and states require sales tax to be collected on software subscription services like YNAB. - [Creating a New Plan](https://support.ynab.com/en_us/creating-a-new-plan-Hyl4uc5Cq.md): This article explains how to create a new plan in YNAB. - [How to Delete a Plan](https://support.ynab.com/en_us/how-to-delete-a-plan-BJxeij505.md): If you're no longer using a plan, you can delete it on any platform (web, iOS, or Android). - [Your YNAB Trial](https://support.ynab.com/en_us/your-ynab-trial-ry87vWAc.md): Learn what to expect during the first few weeks of your free trial and how to get started. Find out how to manage your trial based on your sign-up method. - [Changing Your Email and Password](https://support.ynab.com/en_us/changing-your-email-and-password-a-guide-SJq60jfRq.md): If you've forgotten your YNAB password or just want to update it or your email address, this article will walk you through those steps. - [How to Request a Refund](https://support.ynab.com/en_us/requesting-a-refund-SyNvz1I5.md): If you signed up for YNAB through the Apple App Store or Google Play, they manage your subscription/billing. Here's how to start the refund process for YNAB. - [Navigating Multiple Plans in YNAB](https://support.ynab.com/en_us/navigating-multiple-plans-r1qeOvbC5.md): Opening a previous month's plan or the same account or report each time you open the YNAB web app? Want to switch between multiple plans with ease? - [How to Adjust Your Plan Settings](https://support.ynab.com/en_us/how-to-adjust-your-plan-settings-SyFt35cAq.md): In the Plan Settings menu you can rename your plan and change your currency, number format, currency decimal placement, and date format settings. - [Changing the Appearance of Your Plan](https://support.ynab.com/en_us/changing-the-appearance-of-your-plan-BJzo3HlRc.md): YNAB includes a few settings that can help you create a plan that best fits your needs. - [Accessibility Tools and Features: A Guide](https://support.ynab.com/en_us/accessibility-tools-and-features-an-overview-HkmxC7W1j.md): Accessibility is important to us at YNAB, and we’re working hard to make updates to ensure that everyone can budget successfully. - [Feedback and Feature Requests](https://support.ynab.com/en_us/feedback-and-feature-requests-an-overview-rJgD33fAq.md): We're so excited that you have feedback and feature requests to share with us! This article will show you how to submit feature requests. - [How to Purchase YNAB as a Gift](https://support.ynab.com/en_us/gift-ynab-rJnOtBxRq.md): Spread the spendful love to your friends and family with the gift of YNAB Purchase a gift subscription to share three months or an entire year of the lifechan - [Using YNAB on an iPad](https://support.ynab.com/en_us/using-ynab-on-an-ipad-a-guide-BkzOqBdAq.md): YNAB has a few key differences between iPads and other mobile devices. Let's take a look at the different views and actions available. - [How to Choose a Custom App Icon on iOS](https://support.ynab.com/en_us/how-to-choose-a-custom-app-icon-on-ios-H1ewFB_Ac.md): You can choose a custom app icon for YNAB on your iOS device! Here's how to choose your option to customize your colors and app aesthetics. - [YNAB Widget for Mobile](https://support.ynab.com/en_us/ynab-widget-for-mobile-a-guide-HJPEEQYR9.md): With widgets, you can view favorite categories and enter transactions from your phone's home screen. Here's how to enable and use the widget on iOS and Android. - [Geo Payees on Mobile: A Guide](https://support.ynab.com/en_us/geo-payees-on-mobile-a-guide-SJTbcVks.md): FAQs and steps to enable or disable YNAB's mobile app Geo Payees feature. You can autofill payee, category, and account for saved locations. - [How to Enable and Disable Touch ID, Face ID, and App Lock on iOS and Android](https://support.ynab.com/en_us/how-to-enable-and-disable-touch-id-face-id-and-app-lock-SyjrFNtR5.md): Depending on the authentication method you have on your device, YNAB works with: Touch or Face ID (iOS) or fingerprint, passcode, or pattern App Lock (Android). - [How to Enable Dark Mode](https://support.ynab.com/en_us/how-to-enable-dark-mode-rJQOmvYA9.md): Dark Mode is available as a theme in the YNAB web app and a device setting for iOS and Android mobile apps. This article has steps to enable for all platforms. - [Managing Notifications](https://support.ynab.com/en_us/managing-notifications-a-guide-HySdCwtCc.md): Learn the different types of notifications YNAB offers and when they occur Customize these notifications based on your platform Use badges and troubleshoot no - [Referral Program](https://support.ynab.com/en_us/referral-program-an-overview-BJWpA9Rc.md): Learn more about our Referral Program and how to get started earning free time! - [How to Join YNAB's College Program](https://support.ynab.com/en_us/how-to-join-ynabs-college-program-rkDd5VlC5.md): This article will help college students redeem one free year of YNAB through our College Program. - [Support Access](https://support.ynab.com/en_us/support-access-an-overview-ry2JI2C3j.md): When you enable Support Access, you give our support team the ability to view your plan and provide individualized support. - [How to Find Your Conversation Transcript](https://support.ynab.com/en_us/how-to-find-your-conversation-transcript-H1bKGXS83.md): This article explains how to access the transcripts of your chats with YNAB Support. - [Value-Added Tax](https://support.ynab.com/en_us/value-added-tax-ByMSG_r1Wl.md): Learn how VAT applies to YNAB subscriptions, how rates are determined by country, and how to update your billing address. - [Personalize YNAB](https://support.ynab.com/en_us/personalize-ynab-HyYKEbAWbe.md): Personalize YNAB with your personal name and plan name. - [Loading Your Data in the YNAB App](https://support.ynab.com/en_us/loading-your-data-in-the-ynab-app-S1F63hUDWl.md): When you open the YNAB web app, we load your most recent data first. This includes last month, this month, and the upcoming month. - [YNAB's Current Support Response Time](https://support.ynab.com/en_us/ynabs-current-support-response-time-Syprtn0nWl.md): Our team typically responds within 24 hours Monday through Friday. ## Frequently Asked Questions - [Can I revert or recover my plan to a specific date and time in the past?](https://support.ynab.com/en_us/can-i-revert-or-recover-my-plan-ry5zD7GQ1e.md): No, we aren't able to revert or recover budgets back to a specific date or time. - [Can I change the type of account I'm using from a Cash account to a Tracking account (or from a Tracking account to a Cash account)?](https://support.ynab.com/en_us/can-i-change-the-type-of-account-i-m-using-ryENm_m7Jx.md): No, It's not possible to change the account type once you've added it to YNAB. - [Can I remove my debit or credit card information from YNAB?](https://support.ynab.com/en_us/can-i-remove-my-debit-or-credit-card-information-from-ynab-B1dM7A2zye.md): No, you can't use the app to remove your debit or credit card information from YNAB, but our Support team can help you remove that information. - [Does YNAB provide financial advice or advisors?](https://support.ynab.com/en_us/does-ynab-provide-financial-advice-HkxT44Afyx.md): No, YNAB does not provide financial advise or financial advisors. We do maintain a directory of coaches, and our Support team is wonderful. - [Can I unreconcile a transaction?](https://support.ynab.com/en_us/can-i-unreconcile-a-transaction-SJ0NquLye.md): No Once a transaction has been reconciled it cant be unreconciled. - [What's the best way to categorize orders from big box stores like Amazon, Apple, Best Buy, Costco, eBay, Kroger, Sam's Club, Walmart, Square, and Target?](https://support.ynab.com/en_us/big-box-stores-Bkp2C7Vykl.md): When possible, we provide access to online order pages right in YNAB. Continue reading to access the Bank Import Details tooltip on the YNAB web app. - [I approved a number of transactions, but they're no longer approved. Why did YNAB unapprove my transactions?](https://support.ynab.com/en_us/why-did-ynab-unapprove-my-transactions-r1nxqQ0fJl.md): Check to see whether you've opened a different plan than you were expecting this is the most common reason formerly approved transactions appear unapproved. - [Can I see what hidden categories have money in them without adding them all back into my plan?](https://support.ynab.com/en_us/can-i-see-what-hidden-categories-have-money-in-them-without-adding-them-all-back-into-my-plan-SJgUwsw4Jl.md): To see what categories have money available, you will need to unhide them. - [Can I add a memo to an imported or pending transaction without approving the transaction?](https://support.ynab.com/en_us/memo-for-imported-and-pending-transactions-Bk6rJjIyl.md): No, you can't currently add a memo to an imported or pending transaction without approving it. - [Why are some features missing in the app?](https://support.ynab.com/en_us/missing-features-H19srFG_le.md): If you notice that certain areas of the YNAB app seem to be missing or inaccessible you may still be in the onboarding flow. - [Does YNAB create targets automatically?](https://support.ynab.com/en_us/does-ynab-create-targets-automatically-HJ4k1nBWfg.md): Learn how YNAB creates targets from your spending history during mobile onboarding, and how to adjust any targets that don't match your actual spending. - [Why is YNAB blocking my app with a parental consent message?](https://support.ynab.com/en_us/why-is-ynab-blocking-my-app-with-a-parental-consent-message-rJm4EM4Vze.md): If YNAB blocks your app with a parental consent message, it's due to app store age verification laws. Here's what it means and what to do. ## Updates - [Updates to YNAB](https://support.ynab.com/en_us/updates-to-ynab-S1f4aRLeC.md): Does something look new in YNAB? Find the information you need as we release new features.