YNAB vs Copilot Money
Personal Finance & Budgeting pricing comparison · 2026
YNAB costs $9.08–$14.99/mo, while Copilot Money starts at $7.92/mo. Copilot Money is typically 34% more affordable, though your actual cost depends on tier and team size.
YNAB
YNAB (You Need A Budget) is a personal finance app built around zero-based budgeting, avai
verified 3d ago
$180
$216
Copilot Money
Copilot Money is an Apple-first personal finance app priced at $95/year on the Yearly plan
verified 29d ago
$180
$216
Annual license estimate
YNAB
costs
$36
less than
Copilot
· 25 seats where applicable
Cheapest
$180
Spread
17%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Monthly Plan
$180/yr
year 1 license · flat plan price
Copilot Money
$216/yr
year 1 license · flat plan price
REF · 01
Sources & confidence
Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.
Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources
60 sourced facts
57 hidden-cost · 2 contract · 1 review platform
Last verified
3d ago
Confidence
Medium confidence
Sources
5 sourced facts
5 hidden-cost
Last verified
4w ago
Confidence
High confidence
REF · 02
Plans at a glance
Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.
Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 04
Contract terms
The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.
YNAB
Copilot
Auto-renewal
Yes
—
Cancellation
—
—
Commitment
✓
1 month (Monthly plan) or 1 year (Annual plan)
1 year
Price escalation
Multiple users report significant price increases since initial subscription; YNAB previously sold as one-time purchase software before transitioning to subscription model
—
Can downgrade
—
—
REF · 05
What users say
Aggregated, with sample sizes. We use whichever review platform has data.
User reviews
TrustRadius · Trustpilot · G2
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
License cost is computed from publicly listed plans (real math, list price × seats).
Median annual cost is from Vendr's deal flow when available — see source badges.
Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
VS
YNAB and Copilot Money both operate in the personal finance & budgeting category. This page compares their list pricing.
Plan-by-Plan Pricing
| Plan | YNAB | Copilot Money |
|---|---|---|
| Annual Plan | Custom | Custom |
| Monthly Plan | $14.99 /month | Custom |
| Copilot Money | — | $18 /month |
Contract Terms
| Term | YNAB | Copilot Money |
|---|---|---|
| Auto-renewal | Yes | — |
| Cancellation | — | — |
| Minimum commitment | 1 month (Monthly plan) or 1 year (Annual plan) | 1 year |
| Price escalation | Multiple users report significant price increases since initial subscription; YNAB previously sold as one-time purchase software before transitioning to subscription model | — |