YNAB pricing
What YNAB costs in 2026, and how the price got here
$109 a year, or $14.99 a month, after 34 days free — as published on ynab.com/pricing when we read it on . It became a subscription in December 2015 at $5 a month or $50 a year; before that it was a program you bought once, for $60.
What it adds up to
| Over 5 years | You pay |
|---|---|
| YNAB, billed annually | $545.00 |
| YNAB, billed monthly | $899.40 |
| Fundkeep, bought once | $39.99 |
Difference over 5 years: $505.01
Before tax. The totals assume YNAB's price stays where it is for as long as you keep budgeting, and the table below shows how often it has not.
Every price since YNAB 4
Each row was read in one of YNAB's own pages — most of them as the Wayback Machine archived them — and links to the copy it came from. Where those pages leave a question open, the row says so rather than filling it in. The table scrolls sideways.
| When | Price | What changed | Source |
|---|---|---|---|
| $60 once | YNAB 4, a program you installed. YNAB’s purchase page: “This one-time purchase lets you use YNAB on every PC and Mac in your home.” It stopped selling by April 2017. | YNAB’s purchase page, February 2015 | |
| $5 a month or $50 a year | The new YNAB launches, as a subscription. | YNAB’s launch post, December 2015 | |
| $50 a year | Monthly billing ends for new subscribers. People already paying monthly keep doing so. | YNAB’s 2017 price FAQ | |
| $83.99 a year | For new subscribers only: “If you signed up for YNAB before November 15, 2017, you will be billed at the same price you paid when you initially subscribed.” | YNAB’s 2017 price FAQ | |
| $11.99 a month, or $84 a year | A monthly plan returns, next to the yearly one. We found no announcement of it. | YNAB’s pricing page, November 2019 | |
| $98.99 a year or $14.99 a month | For everyone, at their first renewal on or after that date — “This price change applies to all customers”, including those still on the 2015 prices. | YNAB’s 2021 price change page | |
| $99 a year; $14.99 a month | The pricing page starts showing $99. We found no announcement, so this may be the same price, rounded. | YNAB’s pricing page, September 2022 | |
| $109 a year; $14.99 a month | Announced on the pricing page in July 2024: “Our annual subscription rate increases to $109 on 8/1.” We found no first-party word on when it reached existing subscribers. | YNAB’s pricing page, July 2024 | |
| $109 a year or $14.99 a month | Today, unchanged since August 2024. | ynab.com/pricing |
The archive was read at intervals, so a short-lived promotion between two copies could be missing. A price increase could not: each of these stayed on the pricing page for months or years.
What you get for it
One plan, paid yearly or monthly. Balances, goals and transactions sync across your devices in real time; target-setting covers spending and savings goals; there are debt tools with a loan calculator; and direct import works with select US, Canadian, UK and EU banks. One subscription covers up to six people — partners, families and other close-knit groups. College students get a free 365-day trial. All of that is as YNAB's own pricing page describes it.
The free trial is 34 days, with no credit card, when you sign up on YNAB's own site, and 30 days if you subscribe through the App Store, according to YNAB's help page on the trial.
If you would rather pay once
That is what we make. Fundkeep is envelope budgeting for iPhone, iPad and Mac, $39.99 once, with no bank connections — what stays the same, and what you give up. The apps you can buy outright, ours among them, are on their own page.
