YNAB vs Goodbudget
Personal Finance & Budgeting pricing comparison · 2026
YNAB pricing ranges from $9.08–$14.99/month, while Goodbudget ranges from $0–$10/month. Goodbudget is typically 58% more affordable, though your actual cost depends on tier and team size.
Goodbudget
Goodbudget is a digital envelope budgeting app with a free plan and a Premium plan at $10/
verified 14d ago
$3.0K
$4.5K
Verdict · list-price math · year 1
Goodbudget
saves
$1.5K
vs
YNAB
· 25 seats
Cheapest
$3.0K
Spread
33%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Monthly
$4.5K/yr
year 1 license · $15/seat
Premium
$3.0K/yr
year 1 license · $10/seat
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
17 sourced facts
14 hidden-cost · 2 contract · 1 review platform
Last verified
1w ago
Confidence
Medium confidence
Sources
5 sourced facts
4 hidden-cost · 1 contract
Last verified
2w ago
Confidence
Medium 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
Goodbudget
Auto-renewal
Yes
Yes
Cancellation
—
at any time; paid features remain active until the end of the current billing period
Commitment
✓
1 month (Monthly plan) or 1 year (Annual plan)
✓
the chosen billing period (monthly or annually)
Price escalation
YNAB has raised prices multiple times: from approximately $45/year to $84/year (2017), then to $99/year (2021), now $109/year (current). CEO acknowledged in 2021 AMA that the 4-year gap between increases was 'too long' and implied future increases will come sooner. No published schedule.
—
Can downgrade
✓
Yes
—
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 Goodbudget both operate in the personal finance & budgeting category. This page compares their list pricing.
Plan-by-Plan Pricing
| Plan | YNAB | Goodbudget |
|---|---|---|
| Annual | $9.08 /month | Free /month |
| Monthly | $14.99 /month | $10 /month |
Contract Terms
| Term | YNAB | Goodbudget |
|---|---|---|
| Auto-renewal | Yes | Yes |
| Cancellation | — | at any time; paid features remain active until the end of the current billing period |
| Minimum commitment | 1 month (Monthly plan) or 1 year (Annual plan) | the chosen billing period (monthly or annually) |
| Price escalation | YNAB has raised prices multiple times: from approximately $45/year to $84/year (2017), then to $99/year (2021), now $109/year (current). CEO acknowledged in 2021 AMA that the 4-year gap between increases was 'too long' and implied future increases will come sooner. No published schedule. | — |
| Can downgrade | Yes | — |