Cookie Policy

LAST UPDATED: May 20, 2026

This Cookie Policy explains how YNAB (“Company”, “we”, “us”, and “our”) uses cookies and similar technologies to recognize you when you visit or use YNAB websites or other online properties or sites that link to this Cookie Policy, such as ynab.com, YNAB landing pages, blog posts, and our Help Center ("Websites"). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information.

What are cookies?

A cookie is a small piece of data (text files) that a website – when visited by a user – asks your browser to store on your device in order to remember information about you, such as your language preference or login information.

Those cookies are set by us, the website owner, and are called "first-party cookies."

Cookies set by parties other than the website owner are called "third-party cookies". Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.

We also use these for our interactive content, advertising, marketing, and analytics efforts. The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. For more on the types of cookies we use, see the Cookie List below.

Why do we use cookies?

We use first and third party cookies for several reasons. Some cookies are required for technical reasons in order for our Websites to operate, and we refer to these as “essential” or “strictly necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Websites. Third parties serve cookies through our Websites for advertising, analytics and other purposes. This is described in more detail below.

The specific types of first and third party cookies served through our Websites and the purposes they perform are described below (please note that the specific cookies served may vary depending on the specific Websites you visit).

How can I control cookies?

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services.

The Cookie Consent Manager can be found in the cookie banner when it is presented to you. You may also set or amend your web browser controls to accept or refuse cookies. You can also visit the 'Your Privacy Choices' link or the opt-out form to set and exercise certain preferences. If you choose to reject cookies, you may still use our Website though your access to some functionality and areas of our website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser’s help menu for more information.

In addition, most advertising networks offer you a way to opt out of targeted advertising. To learn more, visit the Digital Advertising Alliance’s opt-out page or the European Interactive Digital Advertising Alliance’s Your Online Choices site.

Do you serve targeted advertising?

Third parties may serve cookies on your computer or mobile device to serve advertising through our Websites. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. This can be accomplished by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through these technologies may not directly identify you by name, but it may identify your browser, device, or interactions with our Websites and may be treated as personal information under certain applicable privacy laws.

How often will you update this Cookie Policy?

Our cookie list is generated and maintained through automated scanning tools and information provided by the third parties that set cookies and similar technologies through our Websites. Because cookies, pixels, tags, SDKs, and other similar technologies can change as our Website and our vendors’ services change, the list may not always reflect every technology present at a particular moment. We use reasonable efforts to review and update our cookie list so that it accurately reflects the cookies and similar technologies we use. 

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies and similar technologies we use or for other operational, legal or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.

The date at the top of this Cookie Policy indicates when it was last updated.

If you notice something in our cookie list that appears inaccurate or incomplete, please contact us at privacy@ynab.com so we can review it.

Where can I get further information?

If you have any questions about our use of cookies or other technologies, please email us at privacy@ynab.com.