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 April 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 April 1, 2026.
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
How YNAB Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| YNAB | $9.08/month | $14.99/month |
| Monarch Money | $8.33/month | $14.99/month |
| Copilot Money | $7.92/month | $13/month |
| Tiller Money | $6.58/month | $6.58/month |
| Goodbudget | Free | $10/month |
| EveryDollar | Free | $17.99/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 $70/year compared to monthly billing.
02 Does YNAB have a free trial?
Yes, YNAB offers a 34-day free trial with no credit card required. There are no automatic charges after the trial ends.
03 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 $14.99/month or $109/year for the whole family.
04 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; Monarch Money is slightly cheaper annually. YNAB's strength is its zero-based budgeting methodology, while Monarch Money excels at investment tracking.
05 Is YNAB worth it?
YNAB users report saving an average of $600 in their first two months. At $109/year on the Annual plan, the app typically pays for itself many times over if you actively use its zero-based budgeting system. It's best suited for people who want to actively manage their spending rather than just track it.
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