# YNAB pricing (2026): plans, cost, and compliance

**Entry price:** $9.08/mo (Annual). Among the 8 budgeting apps we track it is the most expensive; median entry $6/mo.
**Domain:** ynab.com
**Free tier:** No · 34-day free trial
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Yes
**Integrations:** Direct bank import via Plaid (OAuth), Apple Card CSV import, YNAB open API, Recurly (payment processing)
**Best for:** People who want to actively manage a zero-based budget; Couples sharing finances; College students (free year); Users who want a methodology-driven approach to debt payoff
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Monthly | $14.99 | — | flat | Billed month-to-month at $14.99/mo. 34-day free trial, no credit card required. College students get 365-day free trial with proof of enrollment. | ynab.com |
| Annual | $9.08 | −39% | flat | Billed annually at $109/yr ($9.08/mo equivalent). Saves $70/yr vs monthly plan. Same features as monthly plan. 34-day free trial available. | ynab.com |

**Key features:** Zero-based budgeting (give every dollar a job); Goal tracking with target-setting; Loan payoff calculator showing interest savings; Spending and net worth reports; Offline access with sync; Mobile widgets; YNAB Together — share one subscription with up to 6 people; Ad-free, no third-party product promotions.

**Plan limits:** No free tier — trial only; College student trial requires proof of enrollment; YNAB Together shared subscription limited to 6 people.

## Cheaper budgeting apps alternatives

- [Rocket Money](https://frontdeskreview.com/software/budgeting-apps/rocket-money/) — from $0/mo
- [Goodbudget](https://frontdeskreview.com/software/budgeting-apps/goodbudget/) — from $0/mo
- [EveryDollar](https://frontdeskreview.com/software/budgeting-apps/everydollar/) — from $0/mo
- [Quicken Simplifi](https://frontdeskreview.com/software/budgeting-apps/quicken-simplifi/) — from $5.99/mo
- [PocketGuard](https://frontdeskreview.com/software/budgeting-apps/pocketguard/) — from $6.25/mo

Sources: 1 · Last verified 2026-06-14
Provenance: Official pricing page ynab.com/pricing — page rendered full pricing content directly. Monthly $14.99, annual $109/yr. Corroborated by NerdWallet best-budget-apps article (2026).
Canonical: https://frontdeskreview.com/software/budgeting-apps/ynab/
Cite: Per The Front Desk Review, YNAB's entry plan was $9.08/mo as of 2026-06-14 — https://frontdeskreview.com/software/budgeting-apps/ynab/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl