Transitioning from YNAB, how to use envelope method / smooth transition

I’ve been using YNAB for years and recently found tiller, trying to get started and running into some difficulty. I’ve created a Google sheet with the tiller budget. Sorry in advance, quite a few questions, but I am deeply confused.

Say I have $10k in net assets that I’d like to assign into budgeting envelopes. The money available to budget seems to come from transactions categorized as income, which is fine, but not sure how to allocate for the money I already have before the income transaction occurred. How do I account for the assets in bank account balances prior to transaction import dates?

Where am I supposed to be entering the budgeted amounts for each category? I see that I can make adjustments using a whole value or relative value with the b+/b- syntax, but is that the appropriate place to input the initial category budget for each month, or only adjustments?

It appears that the spreadsheet will update with each new period/month. How do I budget for next month before the 1st of the month?
Edit: I just found the budget history sheet, I think this problem is solved.

I’d like to live off last month’s income. To do this in YNAB, I would categorize income from, for instance, November as “Income” category. Then I would make a negative budgeted value for November’s income in the month of December to make it available for budgeting in December. How would I do that with tiller’s spreadsheet?

Hi Brett:

I’m not familiar with YNAB but I think I can answer at least part of your questions.

The existing amounts for your categories (envelopes) is called the rollover. You can set the rollover in that green Adjust field by typing r=1.00. You can also adjust using the r+/r- syntax if you make an error or whatever.

For setting your budget amounts, using the b+/b- syntax is perfectly fine. Actually you don’t even need to use the symbols… if you just type an amount in there it will effectively default to b=, and set the budget to that amount.

However, this is not what I do, at least not initially. I create next month’s budget a few days before the end of the current month. In the Budgets History sheet, I insert a row above #3. Then I copy #4 (what was previously #3) into the new blank #3, and change the dates. This will also copy over all of last month’s budget amounts to the new budget. If you budget like I do, most of these rarely change. Then you can go in and adjust them in the Monthly Budget sheet or manually here in the Budgets History sheet. Be sure to run the Analyze Budgets History function after you create your new budget, and that will create the rest of the necessary rows.

I also live off last month’s income, (or something roughly similar.) Accounting for that is pretty easy to do with this sheet. For your first month’s budget, enter last months income (what you’re spending this month) as rollover. Then set your budget to those same amounts. Voila, that’s it. As income comes in categorize it as such and it will build up in the “Available” column where it can be safely ignored. This month’s Available becomes next month’s Rollover, so when you start your new budget for the next month you’ll see it there, and you can just set your Budget amounts to match again.

Be sure to set your “Rollover To” columns on your Categories sheet, including for your income categories, and it should all work pretty smoothly.