YNAB pricing breakdown
| Plan | Price | Details |
|---|---|---|
| Free trial | $0 for 34 days | Full access, no credit card required |
| Monthly | $14.99/month | Cancel anytime |
| Annual | $109/year ($9.08/mo) | $70.88 less than paying monthly for a year |
| Student | Free for 12 months | With proof of enrollment |
What’s included in YNAB
- Zero-based budgeting methodology
- Automated bank sync via Plaid and MX
- iOS and Android mobile apps
- Goal tracking and savings targets
- Spending reports and net worth
- Multi-device sync
- Live online budgeting workshops
- 34-day free trial
YNAB vs SheetLink pricing
| Feature | YNAB | SheetLink |
|---|---|---|
| Monthly price | $14.99/mo | Free or $4.99/mo |
| Annual price | $109/year | $49/year |
| Free tier | 34-day trial only | 1 bank, last 7 days, never expires |
| Bank sync | Automatic (daily) | Manual: press Sync now |
| Platform | Custom app + mobile | Google Sheets and Excel |
| Budgeting method | Zero-based (enforced) | Your own method |
| Customization | Limited | Fully customizable |
See the full YNAB comparison ›
Is YNAB worth $109/year?
YNAB is worth it if you…
- Want structured zero-based budgeting
- Prefer a polished mobile app
- Need built-in goal tracking
- Value live budgeting workshops
- Don’t mind paying $109/year
SheetLink is better if you…
- Want to save 55% ($49/yr vs $109/yr)
- Already use Google Sheets or Excel
- Prefer your own budgeting system
- Need a free tier with no expiry
- Want privacy-first manual sync
Questions
How much does YNAB cost in 2026?
YNAB costs $14.99/month or $109/year in 2026. There is a 34-day free trial but no permanent free tier.
Is YNAB worth the price?
YNAB is worth it if you’re committed to zero-based budgeting and want a dedicated app. If you prefer spreadsheets, SheetLink syncs your bank transactions to Google Sheets for free (one bank, your last 7 days), and Pro is $49 a year for every bank you connect, up to two years of history, and Excel.
Did YNAB raise its prices?
Yes. YNAB has raised prices several times. It now costs $109/year, up from $99 a year before that (and $84 before 2021).
What is the cheapest alternative to YNAB?
SheetLink is one of the most affordable alternatives: free forever for one bank and your last 7 days of transactions, or $49 a year for Pro. It syncs bank transactions directly to Google Sheets, and to Excel with Pro.