How much does YNAB cost?

YNAB starts at $14.99/month. No tier-by-tier breakdown is published on the record we hold.

Does YNAB have a free plan?

Not on the record we hold: YNAB is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.

Which personal finance tools can I use without paying?

4 of the 8 personal finance tools listed alongside YNAB have a free tier: Copilot Money, Cash App, Apple Pay, Coinbase.

Does YNAB charge per user?

The record carries a price and a billing period, 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 Copilot Money, Cash App, Apple Pay, Betterment. Each has a side-by-side comparison with YNAB covering price, platforms and features.

Personal Finance · pricing

YNAB pricing

No tier breakdown is published on the record we hold for YNAB. Below is what is on record, and how it compares with the personal finance tools listed alongside it.

Entry price: $14.99/month
Model: Subscription
Tiers: -
Free tier: Not on record

What is on record

The YNAB catalogue entry carries a starting price of $14.99/month and a subscription pricing model, but no tier breakdown. The category comparison below is still useful, and the YNAB review carries the full feature record.

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.

Core

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 individual budget tracking with 34-day free trial before subscription commitment, household budget management with wife-on-plan sharing for up to 6 household members, manual transaction entry for banks outside the supported import list. 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)	$14.99/month	subscription	-
Copilot Money	Free	freemium	-	vs YNAB
Cash App	Free	free	-	vs YNAB
Apple Pay	Free	free	-	vs YNAB
Betterment	$5/month	subscription	-	vs YNAB
Charles Schwab	On request	transaction	-	vs YNAB
Acorns	On request	subscription	-	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: not published on the record we hold. With no free tier on record, the cheapest way to answer the rest is to compare YNAB against the tools that do have one before committing.

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 starts at $14.99/month. No tier-by-tier breakdown is published on the record we hold.
Does YNAB have a free plan?: Not on the record we hold: YNAB is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
Which personal finance tools can I use without paying?: 4 of the 8 personal finance tools listed alongside YNAB have a free tier: Copilot Money, Cash App, Apple Pay, Coinbase.
What am I actually paying for with YNAB?: The record lists 12 features across 4 areas: core, integrations, security, platform. In practice it is brought in for individual budget tracking with 34-day free trial before subscription commitment, household budget management with wife-on-plan sharing for up to 6 household members, manual transaction entry for banks outside the supported import list.
Does YNAB charge per user?: The record carries a price and a billing period, 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 Copilot Money, Cash App, Apple Pay, Betterment. Each has a side-by-side comparison with YNAB covering price, platforms and features.