YNAB (You Need A Budget) Pricing
Starting price
$14.99/month
Pricing model
Paid
Free tier
No
Free trial
Yes
Plans
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Monthly Plan | $14.99 | month | — |
| Annual Plan | $109 | month | — |
Figures are the vendor's published prices. Unknown values show as “—”. Price-history tracking is not yet available for this tool. Price verified 2026-10-06. Last updated 2026-10-09.
True cost
True cost calculator
| Plan | Listed | Seat basis | Monthly · 5 seats | Annual · 5 seats |
|---|---|---|---|---|
| Monthly Plan | $14.99/month | flat | $15 | $180 |
| Annual Plan | $109/month | flat | $109 | $1,308 |
Estimate from published prices. Per-seat plans scale with seats; flat plans don't; plans with included seats charge the base until you exceed them, then add the per-seat overage where published. Monthly/annual come from each plan's billing period. Taxes and add-ons excluded.
YNAB (You Need A Budget)'s starting price ($14.99) is 100% below the Finance & Accounting average of $6960.
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