YNABvs
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YNAB
You Need A Budget
As of 30 August 2026, YNAB has a free plan and paid plans start at $9.08/month. YNAB (You Need A Budget) is personal budgeting software that helps individuals and families take control of their money using the zero-based budgeting method. Softwr lists it under Personal Finance. YNAB is made by You Need A Budget LLC, launched in 2004, available on Web, iOS, Android.
Overview
What YNAB does
YNAB (You Need A Budget) is personal budgeting software that helps individuals and families take control of their money using the zero-based budgeting method.
What people use it for
- Personal and household budget tracking
- Debt management and repayment planning
- Family financial planning with multiple users
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about YNAB.
- Subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
- Multi-currency support restricted to one currency per spending plan
- Bank import limited to select institutions in US, Canada, UK, and EU only
- Household plan can only be shared with up to 6 people; additional members cannot access shared plan
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Pricing
What YNAB costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Annual Subscription
$109 /yr
- 34-day free trial with no credit card required
- No credit card required to start
- Share access with up to 6 people at no additional cost
Monthly Subscription
$14.99 /mo
- Share access with up to 6 people at no additional cost
- Real-time account syncing
- Bank connection and transaction tracking
Capabilities
Features
Zero-based budgeting
Bank sync
Goal tracking
Reports
Multi-device sync
Bank connections
Integration with Bank connections
Plaid
Integration with Plaid
Bank-level encryption
Bank-level encryption security feature
Read-only access
Read-only access security feature
Web support
Available on web
Ios support
Available on ios
Android support
Available on android
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
How much does YNAB cost per month?
YNAB costs $14.99 USD per month on a month-to-month basis, or $9.08 per month when paid annually as a $109 per year subscription. Both plans come with a 34-day free trial and no credit card required to start. Source: https://www.ynab.com/pricing
SourceCan I share YNAB access with my family?
Yes, both annual and monthly YNAB plans include the ability to share access with up to 6 people at no additional cost, making it suitable for family budget management. Source: https://www.ynab.com/pricing
SourceDoes YNAB offer a free trial?
Yes, YNAB provides a 34-day free trial with no credit card required to sign up. This trial gives full access to all budgeting features including account syncing, transaction tracking, goal-setting, and debt management tools. Source: https://www.ynab.com/pricing
SourceDo students get a discount on YNAB?
Yes, verified college students receive a full year of YNAB access for free through YNAB's College Program. This allows eligible students to use all features at no cost for 12 months. Source: https://www.ynab.com/pricing
SourceBehind it
Who makes YNAB
- Company
- You Need A Budget LLC
- Based in
- Lehi, UT
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- YNAB badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
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Softwr does not host reviews and shows no star rating for YNAB, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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