YNAB Price: Plans, Monthly Cost & Price History

YNAB, short for You Need A Budget, is a budgeting app built around zero-based budgeting: you assign every dollar you have a job before you spend it. It connects to many US bank and credit card accounts, works on phones and the web, and has no free tier after the trial ends. There is one product, sold with monthly or annual billing.

All prices on this page are published by YNAB on its official pricing page and were checked on Oct 11, 2026. YNAB lists its prices in US dollars plus applicable taxes. Prices can change, so confirm the current rate on the YNAB pricing page before you subscribe.

YNAB has a single plan with two billing options. The table compares the monthly plan with the annual plan expressed as a monthly cost.

The monthly plan costs $14.99/mo and renews every month until you cancel. The annual plan works out to $9.08/mo, but you pay for the whole year at once. Both options give you the same features; the only difference is how you pay.

Paying $109/yr for a year costs noticeably less than twelve months on the monthly plan at $14.99/mo. The trade-off is commitment. A budgeting app only helps if you keep using it, and it can take a few weeks to know whether this one suits you.

A practical approach is to start on the monthly plan or the free trial, use YNAB for a couple of months, and switch to annual billing once budgeting has become a habit. If you already know the method works for you, annual billing is the cheaper option from day one.

Both billing options include the full app. In general, that covers:

• Bank connections: linking supported US bank and credit card accounts so transactions import automatically. You can also enter transactions by hand.
• Goals and targets: setting savings or spending targets for categories such as rent, groceries, or a future purchase.
• Reports: spending and net worth reports that show where your money goes over time.
• Apps on every device: iPhone, Android, and the web app, all synced to the same budget.
• Sharing: YNAB Together lets you share one subscription with other people, such as a partner or family members.

Features change over time, so check YNAB's site for the current list.

YNAB offers a free trial for new users. The trial length is set by YNAB and is not part of our data, so check the current terms on its site.

YNAB has also offered free access for college students who can verify their enrollment. Eligibility rules and the length of free access can change, so confirm them on YNAB's site before you apply.

Whether YNAB pays for itself depends on how you use it. People who check their budget often and plan spending ahead tend to get the most out of it. If you only want to see where your money went last month, a free bank app or a spreadsheet may be enough.

YNAB does not give financial advice. For questions about debt, taxes, or investing, consult a licensed financial professional.

YNAB's pricing page notes that taxes may be added on top of the listed price, depending on where you live. The pricing page lists one plan with two billing options. If you subscribe through Apple's App Store or Google Play, the in-app price and billing terms may differ from buying on YNAB's website.