Pay your bills—without breaking a sweat.
Figure out how to afford what you actually want.
Build a secure (but exciting) financial future.
What’s the return on your $99/year?
Saved by new YNABers by their second month, on average*
Saved by new YNABers in the first year, on average*
Paid off by the average YNABer during a 2021 debt paydown challenge*
But don’t take our word for it!
Krys was sick and tired of her debt. Despite having a traditional budget for ten years, she seemed to be getting further and further behind. But just one year after starting YNAB, her net worth flipped from negative to positive:
- Month One: Paid off $1,500 of debt
- Month Two: Saved a $1,000 emergency fund
- Month Four: Paid off a credit card
- Month Twelve: Paid off half of all debt
You’ll have all the tools you need to succeed.
Here's what you get with a YNAB subscription…
A simple and powerful app
Keep your financial goals close by wherever you go—available on all your devices, all the time.
Need help or feeling stuck? You’ll have real YNAB experts ready to assist.
A method that works
With our simple four rule method, you’ll see results faster than you thought possible.
We don’t sell or share your data. It’s yours and only yours, so you are NOT the product.
Still wondering if YNAB is worth it?
Hear from YNABers in their own words why YNAB works.
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.
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.
A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.
Frequently asked questions
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.
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.
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!
YNAB is priced in US dollars. Exchange rates are not reflected in the price.
Nope, no credit card needed! 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.
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.