On average, you’ll save $6,000+ your first year with YNAB*

* 2017 YNAB customer survey

Not too shabby, considering it costs just $84/year (about $7 a month).

Sign up for a free trial!

No credit card required.


No Risk to Try

In fact, we offer a No- Risk, 100% Money-Back Guarantee. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. No questions asked.

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

  • We paid off $30k in 15 months

    Once we started using YNAB, we had a much clearer picture and we had better communication about who was spending what and how that money was transpiring.”

    Andy & Melissa YNABers since 2015
  • I paid off $56,000

    I thought of consumer debt as something that would always be with me. Now I know that I can stop adding to the debt, and I can even pay it off.”

    Erin YNABer since 2016
  • Saved £21,000 Cash for My Wedding

    I'm a self-confessed spendaholic. If I can crawl out of debt and get ahead, then anyone can!”

    Alanna YNABer since 2012

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 workshops—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 all 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.

Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories!). Plus, the trial is free for 34-days so definitely worth a shot!

YNAB costs $6.99/month, billed annually at $83.99. (But you’ll sleep better daily.) Plus, we offer a No-Risk, 100% Money-Back Guarantee. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. No questions asked.

We offer all 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!

After your free year as a student, we’ll give you a one-time 10% discount! By this point, you will have saved so much money, it will be a no-brainer.

Direct import currently only supports US and Canadian banks– but 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.

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

You can, of course, keep using the version you have for as long as you’d like. (Need to redownload? You can grab a copy here.) 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.

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

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

You can do this! Today! Right now! For free.

Budgeting is not restrictive. You won’t be spending less, you’ll be spending right. So what do you have to lose? Except all that debt and stress?

Take Total Control of Your Money