YNAB Pricing 2026
Complete pricing guide with plans, and cost analysis
YNAB costs $9.08/month for Annual. Plans range from $9.08 to $14.99/month.
YNAB costs $9.08 to $14.99 per month as of May 2026, with 2 plans available. Plans: Annual at $9.08/month, and Monthly at $14.99/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: No free tier available
YNAB offers 2 pricing tiers: Annual, Monthly. Paid plans include Annual at $9.08/month, Monthly at $14.99/month. The Monthly plan is users who want flexibility.
Compared to other personal finance & budgeting software, YNAB is positioned at the budget-friendly price point.
How much does YNAB cost?
YNAB Pricing Overview
YNAB has 2 pricing plans ranging from $9.08 to $14.99/month. The Annual plan costs $9.08/month, best for most users who commit to budgeting. The Monthly plan costs $14.99/month, best for users who want flexibility.
This pricing was last verified in May 3, 2026.
How YNAB Pricing Compares
Compare YNAB pricing against top alternatives in Personal Finance & Budgeting.
All YNAB Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Annual | $9.08 /month | $109 /year | Most users who commit to budgeting |
| Monthly | $14.99 /month | Custom | Users who want flexibility |
View all features by plan
Annual
- Real-time syncing across devices
- Bank account connection
- Subscription sharing for up to 6 people
- Saving goals and progress tracking
- Debt management with loan calculator
- Transaction import
Monthly
- Real-time syncing across devices
- Bank account connection
- Subscription sharing for up to 6 people
- Saving goals and progress tracking
- Debt management with loan calculator
- Transaction import
Compare YNAB vs Alternatives
Before committing to YNAB, compare pricing with these 3 alternatives in the same category.
How YNAB Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| YNAB | $9.08/month | $14.99/month |
| Copilot Money | $7.92/month | $13/month |
| EveryDollar | Free | $17.99/month |
| Goodbudget | Free | $10/month |
| Honeydue | Custom | Custom |
| Monarch Money | $8.33/month | $16.67/month |
Detailed pricing comparisons:
YNAB Pricing FAQ
01 How much does YNAB cost?
YNAB costs $14.99/month on the Monthly plan or $109/year ($9.08/month) on the Annual plan. The Annual plan saves about $71/year compared to paying monthly. A 34-day free trial is available with no credit card required.
02 Does YNAB have a free trial?
Yes, YNAB offers a 34-day free trial with no credit card required when signing up directly through YNAB's website. Third-party app store signups (iOS App Store, Google Play) may require a credit card. The trial includes full access to all features.
03 Does YNAB offer a student discount?
Yes, YNAB offers college students a free 365-day trial. Students must submit proof of current enrollment (student ID, transcript, or tuition statement showing name, school, and date) through YNAB's College Program. After the free year, the subscription continues at the standard rate.
04 Can I share YNAB with my family?
Yes, a single YNAB subscription can be shared with up to 6 people, making it a cost-effective option for households at $9.08/person/month when split six ways on an Annual plan ($109/year total).
05 YNAB vs Monarch Money: which is cheaper?
YNAB's Annual plan costs $109/year ($9.08/month) while Monarch Money's Annual plan is $99.99/year ($9.08/month). They are similarly priced, but YNAB's 34-day free trial is longer than Monarch's 7-day trial. YNAB focuses on zero-based budgeting; Monarch Money is better for passive financial tracking.
06 Is YNAB worth it?
YNAB users report saving an average of $600 in their first two months of use. At $109/year on the Annual plan, the app typically pays for itself within the first month for most users who actively follow the YNAB methodology. It's best suited to people who want to actively manage their spending rather than passively track it.
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