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Feel calmer about your finances

  • Pay your bills—without breaking a sweat.

  • Afford the things you want. Love the way you spend.

  • Build a stable, secure financial future.

Invest in peace of mind

We believe everyone deserves a life free of money stress. Join the hundreds of thousands of users who have changed their relationship with money—for good.

YNAB Pricing Plans
  • Annual Plan
    $8.25*/month
    $99 paid annually
  • Monthly Plan
    $14.99*/month

What's the return on your $99/year?

  • $600

    Saved by new budgeters by their second month using YNAB, on average*

  • $6,000

    Saved by new budgeters in their first year*

  • $8,000

    Paid off by the average YNAB customer during a 2021 debt paydown challenge*

*based on survey responses

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
Read Krys’ Story

It all starts with your free trial.

  • Start budgeting

    🏦 Connect your accounts and track them in one place

    🎯 Set goals and track your progress

  • When you spend or make money

    🤑 Assign your money to your expenses and goals

    💸 Import transactions and track your spending

    😊 Stress less knowing you have a plan for your money

  • 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

    🙌 Select a subscription plan to continue budgeting

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.

  • Award-winning support

    Need help or get stuck? You’ll have real budgeting experts ready to assist.

  • A method that works

    With our simple 4-Rule method, you’ll see results faster than you thought possible.

  • Data privacy

    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 is worth it for them.

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

—Kat, YNAB user since 2016

“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, YNAB user since 2007

“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

Frequently Asked Questions

  • On average, new budgeters save $600 in their first two months with YNAB. Oh, and more than $6,000 after one year. Also, 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.

  • For more information about our pricing change, visit our Price Change FAQs page.

  • 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.

  • 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 get you budgeting!

  • Direct import currently supports US and Canadian banks and select 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! Sign up and try YNAB free for 34 days without ever entering your credit card 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 what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget.

  • 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 the details on compatibility and support.

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

  • Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. (And make sure you upgrade your account for the lifetime 10% discount!)