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Save $600 in 60 days, $6,000 in one year

A green illustrated price tag

Stop second-guessing your spending.

A green illustrated brain with wings

Stop arguing with your partner about money.

An illustrated palm tree

Stop asking if you can afford the life you’d love to live.

Make change that matters

Can you put a price on inner peace? Not really. But $109 a year will get you pretty close.

Annual Plan
$9.08 USD*/month
$70 Savings!
$109 USD* paid annually
Monthly Plan
$14.99 USD*/month
*USD; plus tax where applicable
You’ll save that much almost immediately. You’ll feel better too.
Just push the button!

What’s in it for you?

91%

of YNABers say YNAB has changed the way they think about money for the better.*

78%

of YNABers spend money without feeling guilty 
since starting YNAB.*

70%

of YNABers could support themselves on savings for 3 months or more.*

*based on survey responses

Give every dollar a job for 34 days (for free!) and see how life changes.

Here’s how it works:
Start making a plan for your money
🏦 Connect all of your accounts and track them in one place.
💳 Make a plan to tackle debt.
🎯 Set goals and track your progress.
When you spend or make money
🤑️ Practice the YNAB Method and give every dollar a job.
💸 Import transactions and track your spending.
😄 Enjoy more confidence, clarity, and contentment.
One week before your trial ends
✉️ We will send a reminder before your trial expires.
Day 34
⌛️ Free trial ends. No need to cancel! You won’t be charged unless you subscribe*
🙌 Sign up for a subscription and continue making your money more meaningful.
🫶 Share your subscription with up to 5 favorites.
*when you sign up directly through YNAB; third-party app stores may require credit card information when signing up for a trial

A few of the features you need to succeed.

Here's a little bit of what makes YNAB wonderful...

Get a big-picture perspective

See account balances, priorities, goals, and transactions wherever you go with real-time syncing across devices.

Share your subscription

Share YNAB with partners, families, and other close-knit groups of up to six people—all for the price of a single subscription!

Set saving goals

Prioritize spending and savings goals with our powerful target-setting features, and track your progress at a glance.

Demolish debt

Enjoy future-focused freedom with debt management features, including an integrated loan calculator.

Still wondering if YNAB is worth it?

We’ll have Ernie drive to your house to prove it, if necessary.* Until then, check out what other YNABers have to say.

*That’s not a threat, Ernie is very nice.

I’m loving the app so far—paying monthly for an app like this seemed crazy before I got settled into it but now I’m not worried about money, have savings, and haven’t had an overdraft in months. I’m absolutely going to keep it going.

Eric,
5 months into using YNAB

YNAB is the best purchase I make every year!!!! There simply isn’t anything else out there that compares to the level of dedication, service, education, community and authenticity that you all represent.

Patti,
YNABer since 2007

A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.

Kat,
YNABer since 2016

Frequently asked questions

There’s a saying that if you’re not paying for the product, YOU’RE the product. When it comes to something as private and confidential as your financial data, we want the reins in your hand. We only want to make money from you paying us money, with you fully knowing and understanding what’s going on.

You pay us the monthly or annual subscription price, and there you have it. That’s it. Transaction complete. That’s how we make our money.

Read more about why we don’t (and won’t) sell your data.

On average, new YNABers save $600 in their first two months with YNAB. Oh, and more than $6,000 after one year. Also, they enjoy more control and less stress. In terms of an investment, that’s a serious return.

But you don’t have to take our word for it. Let the numbers speak for themselves.

We offer all college students a free 365-day trial. If you’re interested, check out our College Program to submit proof of enrollment—think student ID card, transcript or tuition statement (but anything that shows you are currently enrolled and includes your name, your school, and the date will do). We can’t wait to help you manage your money!

Most certainly! Financial Wellness by YNAB is a benefits program that combines YNAB app access with our award-winning support and financial education. We help employees build mindful spending habits so they can be fully present to collaborate, create, and connect when they're at work.

You can learn more, start your team's self-service subscription, or contact our Enterprise sales team at ynab.com/wellness.

Yes, it's all included in your YNAB subscription! You can share your YNAB with partners, families, and other close-knit groups of up to six people—all for the price of a single subscription.

Direct import currently supports select US, Canadian, UK, and EU Banks. If you don’t live in any of those regions, File-Based Import works like a charm. (It’s seriously slick, you should try it.)

YNAB is priced in US dollars. Exchange rates are not reflected in the price.

Nope, no credit card needed when you sign up directly through us! Sign up and try YNAB free for 34 days without ever entering your credit card by using the Free Trial button above. At the end of your free trial, you can pick one of the plans (monthly or yearly) and enter your payment method.

Keep in mind that third-party app stores may require credit card information when signing up for a trial.

You can select the currency you want to use in YNAB, but you can’t use multiple currencies together in a single spending plan.

If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) purchase a subscription. If you’d like to continue using YNAB 4, check out this page for all of the details on compatibility and support.

Yes! Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription.

Follow the steps in this article to migrate your YNAB 4 account!