YNAB Pricing 2026
Complete breakdown of YNAB plans, costs, and what's included. Plans start at $99/mo.
All YNAB Plans & Pricing
Choose the right plan for your needs. All prices are billed monthly.
Annual
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
All YNAB paid plans are billed annual. Annual billing typically saves 15-20%.
YNAB Plan Comparison
See what's included in each plan at a glance.
| Feature | Annual |
|---|---|
| Price | $99/mo |
| Storage | 100 GB |
| Team Members | Up to 50 |
| Integrations | Advanced |
| Support | Priority |
| Analytics | Advanced |
| Custom Branding | ✓ |
| API Access | Full |
| SSO / SAML | ✗ |
How to Save on YNAB
Choose Annual Billing
Save 15-20% by switching from monthly to annual billing. Most YNAB plans offer this discount.
Student & Education Discounts
Students, teachers, and educational institutions may qualify for special pricing or extended free plans.
Startup Programs
Early-stage startups can often access premium features at reduced rates through partner programs.
YNAB vs Competitors: Price Comparison
How does YNAB pricing stack up against similar tools?
YNAB Pricing FAQ
Common questions about YNAB costs, plans, and billing.
Is YNAB free?
YNAB does not offer a permanently free plan. However, most plans include a free trial period so you can test the platform before committing. Paid plans start at $99/month.
How much does YNAB cost per user?
YNAB uses a annual pricing model. The Annual plan is $99/month.
Does YNAB offer a free trial?
Most YNAB paid plans include a free trial period (typically 7-14 days) so you can explore premium features before committing. Check the YNAB website for current trial offers and terms.
What is the cheapest YNAB plan?
The most affordable YNAB plan is Annual at $99/month. Annual billing can save you 15-20%.
Is YNAB worth the price?
YNAB is rated 4.6/5 by users. It's best for individuals, couples, debt payoff. Key strengths include powerful budgeting method and bank sync. Most plans include a free trial. Compare with alternatives like QuickBooks Online and Xero to ensure the best fit.
Does YNAB offer discounts for annual billing?
Yes, most SaaS tools including YNAB offer significant discounts (typically 15-20% off) when you choose annual billing instead of monthly. Student, nonprofit, and startup discounts may also be available — check the YNAB pricing page for current offers.
Ready to get started with YNAB?
Start your free trial of YNAB and see if it fits your workflow.