How much does YNAB cost?

YNAB publishes 2 tiers, from $14.99/month for Monthly Subscription up to $109/year for Annual Subscription. The entry tier costs nothing.

Does YNAB have a free plan?

Yes, YNAB is recorded as subscription, so it can be used without paying.

What is the difference between Monthly Subscription and Annual Subscription on YNAB?

Annual Subscription costs $109/year against $14.99/month, and adds 34-day free trial with no credit card required, no credit card required to start.

Is the Annual Subscription plan on YNAB worth it?

That depends entirely on whether you need what it adds, which on the published record is 34-day free trial with no credit card required, no credit card required to start. It costs $109/year against $14.99/month for Monthly Subscription. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.

Which personal finance tools can I use without paying?

6 of the 8 personal finance tools listed alongside YNAB have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.

What am I actually paying for with YNAB?

The record lists 12 features across 4 areas: other, integrations, security, platform. In practice it is brought in for personal and household budget tracking, debt management and repayment planning, family financial planning with multiple users.

Does YNAB charge per user?

The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.

Are these YNAB prices current?

They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.

What should I compare YNAB against before paying?

The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with YNAB covering price, platforms and features.

Personal Finance · pricing

YNAB pricing

YNAB publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.

As of 30 August 2026, YNAB pricing is free, then $9.08/month across 2 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.

Entry price: Free, then $9.08/month
Model: Subscription
Tiers: 2
Free tier: Yes

YNAB plans, side by side

Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.

YNAB pricing tiers
Plan	Price	Features listed	Step up from the tier below
Monthly Subscription	$14.99/month	3	Entry tier
Annual Subscription	$109/year	3	+$94.01/year, 2 more features

What each tier adds

The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.

Monthly Subscription

$14.99/month

The entry tier. It covers share access with up to 6 people at no additional cost, real-time account syncing, bank connection and transaction tracking.

Annual Subscription

$109/year

Over Monthly Subscription, this tier adds:

34-day free trial with no credit card required
No credit card required to start

What the product covers

The full YNAB feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.

Other

Zero-based budgeting
Bank sync
Goal tracking
Reports
Multi-device sync

Integrations

Bank connections
Plaid

Security

Bank-level encryption
Read-only access

Platform

Web support
Ios support
Android support

People bring YNAB in for personal and household budget tracking, debt management and repayment planning, family financial planning with multiple users. If that is not the job you are buying for, the alternatives to YNAB are worth a look before you commit to a tier.

How that compares in Personal Finance

Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.

YNAB entry price against other Personal Finance tools
Tool	Entry price	Model	Rated	Head to head
YNAB (this page)	Free, then $9.08/month	subscription	-
Monzo	Free	Free core current account; paid Plus and Premium tiers add features	-	vs YNAB
Revolut	Free	Free standard tier; paid plans add higher limits, insurance and perks	-	vs YNAB
Strands	On request	quote	-	vs YNAB
Affirm	Free	Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee	-	vs YNAB
Firefly III	Free	Open source, no licence fee	-	vs YNAB
Lunch Money	$60/year	Pay what you want, annual, above a published minimum	-	vs YNAB

Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the YNAB badges page.

Before you pay for YNAB

Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.

What it can tell you is the shape of the ladder: 2 tiers between $14.99/month and $109/year, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.

YNAB runs on web, ios, android, and is published by You Need A Budget LLC of Lehi, UT. The full record is on the YNAB review, and the rest of the category is under best personal finance tools.

YNAB pricing on the vendor's own site

YNAB pricing questions

How much does YNAB cost?: YNAB publishes 2 tiers, from $14.99/month for Monthly Subscription up to $109/year for Annual Subscription. The entry tier costs nothing.
Does YNAB have a free plan?: Yes, YNAB is recorded as subscription, so it can be used without paying.
What is the difference between Monthly Subscription and Annual Subscription on YNAB?: Annual Subscription costs $109/year against $14.99/month, and adds 34-day free trial with no credit card required, no credit card required to start.
Is the Annual Subscription plan on YNAB worth it?: That depends entirely on whether you need what it adds, which on the published record is 34-day free trial with no credit card required, no credit card required to start. It costs $109/year against $14.99/month for Monthly Subscription. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
Which personal finance tools can I use without paying?: 6 of the 8 personal finance tools listed alongside YNAB have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
What am I actually paying for with YNAB?: The record lists 12 features across 4 areas: other, integrations, security, platform. In practice it is brought in for personal and household budget tracking, debt management and repayment planning, family financial planning with multiple users.
Does YNAB charge per user?: The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
Are these YNAB prices current?: They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
What should I compare YNAB against before paying?: The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with YNAB covering price, platforms and features.