Budgeting Apps · pricing · Updated September 2026
YNAB pricing (2026)
YNAB starts at $9.08/mo (Annual) as checked on 2026-09-02, 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 | 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 | 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 2026-09-02. 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). Re-verified 2026-09-02 against the live pricing page; published figures unchanged. 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.
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 2026-09-02.
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 2026-09-02.
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
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Related categories
Display this standing
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 and money never touches it.
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.