YNAB pricing 2026: cost, free trial and discounts

YNAB plans and prices

YNAB sells one product in two ways. The pricing page, read October 27, 2026, shows $14.99 a month and $109 paid annually, which it presents as $9.08 a month, with a footnote that tax is added where applicable.^[2] The App Store lists the same $14.99 and $109.00.^[5] Unlike some apps, there are no tiers to choose between: everyone gets the same features.

The pricing page says paying yearly saves $70 against paying monthly.^[2] That matches the arithmetic: twelve months at $14.99 is $179.88, and $179.88 minus $109 is $70.88. If you finish the trial and want to keep going, yearly is the cheaper way to pay.

We found no price history on YNAB's own pages, so we don't say what it cost in earlier years. One App Store reviewer from June 2026 mentions "Upped fees," which tells you someone noticed, not by how much.^[7]

The free trial: 34 days or 30?

The pricing page says a 34-day free trial, no card needed when you sign up directly with YNAB. An app store sign-up may ask for card details. The App Store listing says a 30-day trial, not 34.^[2][5]

We can't say why they differ. The pricing page, on YNAB's own site, says "Try YNAB for 34 days (for free!)" and "No credit card required."^[2] The App Store listing says 30 days.^[5] The safest reading is that the website offer is 34 days with no card, and that an offer started in an app store may differ. If the length or the card matters to you, start the trial on YNAB's site and read the screen before you confirm.

The college student year

College students get a free 365-day trial through the College Program, with proof of enrollment such as a student ID, transcript or tuition statement.^[2] It is the only discount YNAB's pricing page lists. It is a free trial of a year, not a reduced price on a paid plan, and the page doesn't say what happens when the year ends. We found no promo code, military discount or coupon on the pricing page, so we don't list any.

YNAB Together

The pricing page says one subscription can be shared with up to 5 more people, six in all, at no extra cost.^[2] YNAB's Together terms add the rules: it is for "partners, families, and other close-knit groups of up to six people," each member gets their own login, and it is "all for the price of a single subscription."^[1] Members must be over 13 in the United States, or over 16 elsewhere.^[1]

The person who invites the others becomes the Group Manager. The manager invites and removes members and is responsible for billing. The terms also say the manager can see each member's account details, including all budgets the member owns or has access to, their first name and email address, and that "all budgets are always shared with the Group Manager." Members choose whether to share budgets with the rest of the group.^[1] So if you share with a partner, one of you is the manager and sees the other's budgets.

What YNAB costs for two people

Nothing extra. A couple on YNAB Together pays for one subscription, $109 a year or $14.99 a month, and each has a login.^[2][1] YNAB Together shares one subscription with up to six people, "for the price of a single subscription." It is meant for partners and other close groups.^[2][3][8]

What the pages don't say: whether two people can keep separate budgets inside the group beyond the choice to share, and whether a shared expense can be split between them. ^[5][8] If you want those, see the best budgeting apps for couples and budgeting for couples.

Refunds and cancelling

We found no refund policy on the pricing page. It links to a cancellation page in its footer, but the page text we read had no refund terms.^[2] Ask YNAB's support before you rely on a refund, and cancel before the trial ends if you don't want to be charged. Because the website trial needs no card, you can let it run out without being billed when you sign up directly.^[2] That is the main advantage of starting on the site.

One October 2026 App Store reviewer calls deleting the subscription a hassle.^[7] That is a single view, not a rate.

YNAB compared with other apps

YNAB is the highest on this chart by a small amount. The apps cluster between $80 and $109 a year. That makes price a weak reason to choose among them, and method the strong one: YNAB asks you to plan each dollar before you spend it, which the company's method page presents as the whole point.^[4] For a head to head see Monarch vs YNAB, YNAB vs EveryDollar and Monarch pricing.

Is YNAB worth it?

It is worth it if

• You want a method, not just a tracker, and will spend time on it.^[4]
• You will budget with a partner or family and want one subscription for up to six.^[2]
• You want debt help: it includes a Loan Planner that shows the interest and time saved for each extra dollar.^[3][5]
• You like the ratings: 4.8 on the App Store from 62K ratings, 4.6 on Google Play from 25.4K.^[5][6]

It is less likely to be if

• You want a free plan. There is none after the trial.^[2]
• You want a budget that runs without your attention. The method asks you to plan every dollar.^[4]
• Bank sync matters most. Reviews from June to October 2026 describe delays of 12 to 24 hours and weeks without account data.^[7]

A fair test is the trial. Spend 34 days on it, with real paychecks and real bills. If you are still opening it in week four, the $109 is likely to be money well used. If not, see YNAB alternatives.

Alternatives in short form

• Monarch Money: $14.99/mo or $99.99/yr. No planning method; it pulls every account into one dashboard. A partner is included.
• EveryDollar: Free, or $17.99/mo or $79.99/yr. A zero-based budget with a free version where you enter transactions yourself.
• Goodbudget: Free, or $10/mo or $80/yr. Envelope budgeting for a household with a free plan.
• Lunch Money: $10/mo or $100/yr. A web-first app with rules and tags.
• Copilot Money: $13/mo or $95/yr. Apple devices and the web.
• Wonderful: $14.99/mo or $99/yr for both partners.

The longer list is on YNAB alternatives.

Where Wonderful fits

We make Wonderful, so weigh this accordingly. If what drew you to YNAB is planning every dollar, Wonderful does something related: every paycheck gets a plan for bills, spending and saving before it lands. But it is not the same method as YNAB's.

It is $14.99 a month or $99 a year for both partners, where each person connects their own bank and chooses what the other sees. Shared costs are split evenly, by income or any way you choose, with a running total of who owes whom. It has no free plan after a free week, runs in the browser with no iPhone or Android app yet, and gives no investment advice. If you want YNAB's method, a group of up to six or an app-store app, YNAB is the closer fit.