Best Budgeting Apps · pricing · Updated June 2026
YNAB pricing (2026)
YNAB starts at $9.08/mo (Annual), across 2 plans. Best for People who want to actively manage a zero-based budget. Every figure links to YNAB's own page and the date we captured it.
At a glance
- Entry price: $9.08/mo (Annual) · 39% off with annual billing
- 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
YNAB plans & pricing
| 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 |
Last verified 2026-06-14. 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.
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 2026-06-14.
Is YNAB cheaper billed annually?
Yes. YNAB publishes a 39% discount for paying annually (on the Annual plan). Verified 2026-06-14.
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 2026-06-14.
Does YNAB support HIPAA?
YNAB HIPAA support: —. SOC 2: —. GDPR: Yes.
Does YNAB have a free plan?
YNAB free tier: No; 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