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  • Using bunq Auto-Save together with YNAB

Hi, I'm using YNAB as my budgeting tool and I was wondering what would be the best way to track the auto-savings with it. What I mean is, I track my spending of course, but I also need to somehow track the amount that auto-saving took.
Is somebody else using the same combination and wants to share his/her way?

    2 months later

    @Roeshimi#41504 I have a bunq account just for my recurring expenses (invoices, regular card payments) and I set up all scheduled / recurring transactions with split categories. The total is rounded up to the next euro, I enter the original amount to the original category, and the remainder as a transfer to the savings account which I have set up as a tracking account.

    For regular spending I don't enter every saving transaction but when I reconcile my accounts I reconcile the savings account first, entering the difference as a transfer from my spending account (because that's likely where the transactions came from)

      I'm using Firefly III to track my expenses. There they have a "Transfer" transaction. So per month I will create 1 "Transfer" transaction called auto-save and add up everytime Bunq auto saves some money. This way my firefly III graph will not be 100% sure (but the amounts per account is!), but I don't have my entire overview spammes with Auto-save transactions. I know which YNAB Desktop you can do the same and create one transfer per month than. I don't know how this works for YNAB Web.

        3 months later

        Hi, I just wanted to reply to this thread as I was in the same situation and I manage to take care of it. I had two accounts in YNAB, one was my main salary account and the other one was the automated auto saving account. I used to export my transactions to YNAB once a while and every time the auto save feature messed up the main account and the numbers never used to match.

        After some search and posting on the YNAB forums I was advised that I stopped the autosave feature and rather that's one of the reason why YNAB forces you to think into the future and assign jobs to every $$!

        So I just closed my autosaving account and I'm going to schedule and budget everything in advance so all the savings will already been taken care of!

        Hope this helps.

          @neo1691#77525 Thanks for your message. What I currently do, is handle bunq in YNAB as if it was a regular, single account.
          And all the budgeting is happening in YNAB.
          It sounds like you're doing the same right?
          To be honest, for bunq to replace YNAB as a budgeting solution for me, it needs to implement some features from YNAB that I am really using a lot in YNAB

            I was YNAB for budgeting too. Just one main account for bunq and all transactions are imported in ynab and budget is then adjusted in ynab.

            Goals in ynab are also accounts in bunq. So lets say I get 1000 € as salary in bunq I add that in ynab and during budgeting I put aside 100 euros as savings for my vacation. I also have an account in YNAB which currently has 0 euros.

            I go back to bunq and then transfer 100 euros from my main account to the goals accounts.

            Now when I import my transactions from bunq to ynab I can move the amount of 100 euros from main account as outflow and the vacation account as inflow.

            Its a little complicated but works for me.

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