Budgeting Apps · pricing · Updated November 2026
YNAB pricing (2026)
YNAB starts at $9.08/mo (Annual) as checked on 2026-11-01, read from YNAB's own pricing page; 2 plans. Best for People who want to actively manage a zero-based budget. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: $9.08/mo (Annual)
- Free tier: No · 34-day trial
- Compliance: HIPAA — · SOC 2 — · GDPR Yes
- 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
As of · every figure below links to its source
YNAB plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Monthly | $14.99 | — | Flat monthly | 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 | — | Flat monthly | 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 |
Last verified 2026-11-01. 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). Cross-checked against nerdwallet.com.
Price changes
Price on record
$9.08/moFirst on record 2026-06-27
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Corrections to this record
Changes we made to our own record of YNAB, newest first: a figure read again on the vendor's page, a plan it no longer lists, a note. None of them is a price change by YNAB. Every correction on the site is in the corrections log.
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Annual. Correction 2026-09-11: the annual discount of 39% was removed from "Annual". The recorded $9.08/mo is this plan's own note's $109 yearly total over 12 months, so the saving is already inside the figure, while the page prints the percentage as a further discount off the same row — offering a reader $5.54/mo. Removed rather than moved: no rate above it is named anywhere in the note. The note still describes the term in full. No price changed.
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Source replaced, price unchanged. https://www.nerdwallet.com/article/finance/best-budget-apps answers 301 and lands on https://www.nerdwallet.com/finance/learn/best-budget-apps — the same page at the address the site now uses. The figure is unchanged and still stands on the day it was read; only the link the reader follows is corrected, so it no longer bounces through a redirect. Same host, same scheme, and the destination keeps every distinguishing word of the page's own name.
Capabilities
Integrations: Direct bank import via Plaid (OAuth), Apple Card CSV import, YNAB open API, Recurly (payment processing).
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.
Frequently asked questions
How much does YNAB cost?
YNAB starts at $9.08/mo (Annual); it has 2 published plans. Verified 2026-11-01.
What are cheaper alternatives to YNAB?
Cheaper budgeting apps than YNAB (entry $9.08/mo) include PocketGuard at $6.25/mo, Goodbudget at $6.67/mo, EveryDollar at $6.67/mo. Verified 2026-11-01.
Does YNAB support HIPAA?
YNAB's public pages do not say whether it supports HIPAA. Its public pages also state GDPR compliance.
Does YNAB have a free plan?
No — YNAB publishes no free tier; it offers a 34-day free trial.
YNAB vs alternatives
Cheaper budgeting apps alternatives
- Monarch Money from $8.33/mo
- Copilot Money from $7.92/mo
- Rocket Money from $7/mo
- Goodbudget from $6.67/mo
- EveryDollar from $6.67/mo
- PocketGuard from $6.25/mo
More budgeting apps tools
Related categories
This standing as a plaque
YNAB currently holds a bronze deskmark here — Rank 8 of 8 · Budgeting Apps. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm, which never reads commission data. We never ask anyone to show it, and its link carries rel="nofollow".
The image is drawn from our live data, so it follows the standing rather than freezing it: if YNAB moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.