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Try YNAB FREE For 34 Days

Because you spend 100% of the dollars you don’t budget. (It’s Wayne Gretzky or science or something.)

On average, new budgeters save $600 their first two months, and more than $6,000 their first year.

Imagine how much you could save!

  • $0 Savings

    Monthly Plan


    Billed monthly. Cancel anytime.

    *plus tax where applicable

  • $80 Savings!

    Annual Plan


    One-time payment, billed annually. Cancel anytime.

    *plus tax where applicable

Join the hundreds of thousands of people who’ve gotten out of debt with YNAB.

  • I Paid Off $1,500 in My First Month of YNAB

    The day we started YNAB we were nearly $20,000 in debt and only had $300 for an emergency. One year later, we've saved $18,000 and have paid off almost half our debt.”

  • I Paid Off $8K in 9 Months

    It’s so liberating to have control over your money and not let your money control you.”

  • We Saved $30k in One Year

    Homeownership feels more within reach than ever. The best part? We didn’t do anything particularly special.”

    Jacob and Conner

We have the tools you need to succeed with this whole budgeting thing.

Direct import? Yep. Monthly funding goals? Got ‘em. You won’t be alone, either. We offer more than fifteen different free live Q&As—things like “Create a Debt Paydown Plan” and “Saving Money On Groceries.” And we have an active community of YNABers who are happy to help new budgeters, alongside our stellar support team.

  • Proven Method

    Change the way you think about budgeting forever.

  • Bank Syncing

    Easily connect your accounts in one place.

  • Real-Time Updates

    Budget across devices in real time.

  • Goal Tracking

    Set, track, and reach your goals—faster!

  • Reports

    Measure your progress in a tangible way.

  • Personal Support

    Personal support and teaching, 7 days a week.

Frequently Asked Questions

On average, new budgeters save $600 in their first two months with YNAB. Oh, and more than $6,000 after one year. Also, more control and less stress. In terms of an investment, that’s a serious return.

But you don’t have to take our word for it. Let the numbers speak for themselves.

For more information about our pricing change, visit our Price Change FAQs page.

There’s a saying that if you’re not paying for the product, YOU’RE the product. When it comes to something as private and confidential as your financial data, we want the reins in your hand. We only want to make money from you paying us money, with you fully knowing and understanding what’s going on. 

You pay us monthly or annual subscription price, and there you have it. That’s it. Transaction complete. That’s how we make our money.

Read more about why we don’t (and won’t) sell your data.

We offer all college students YNAB free for 12-months (in addition to the free 34-day trial). If you’re interested, write into [email protected] with proof of enrollment—think student ID card, transcript or tuition statement (but anything that shows you are currently enrolled and includes your name, your school, and the date will do). We can’t wait to get you budgeting!

Direct import currently supports US and Canadian banks and select UK and EU banks. If you don’t live in any of those regions, File-Based Import works like a charm. (It’s seriously slick, you should try it.)

YNAB is priced in US dollars. Exchange rates are not reflected in the price.

Nope, no credit card needed! Sign up and try YNAB free for 34 days without ever entering your credit card using the Free Trial button above. At the end of your free trial, you can pick one of the plans (monthly or yearly) and enter your payment method.

You can select what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget.

If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) purchase a subscription. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support.

Yes! Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription.

Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. (And make sure you upgrade your account for the lifetime 10% discount!)