YNAB (You Need A Budget)
34 days free · $14.99/mo after
Exit grade A: Cancel yourself online in a couple of clicks, anytime.
On ynab.com
We may earn a commission (via Direct invite-only) - it doesn't change our verdict. How we get paid →
Then come back.
We'll track YNAB (You Need A Budget) for you - reminders days before renewal, so deciding is always on your schedule.
Quick answer
The YNAB (You Need A Budget) free trial runs 34 days, then bills $14.99/month for the Single tier with full feature set. Students with a .edu email get $4.99/mo for a year (sometimes free for 365 days via the College Program). plan. No credit card is required to start. Cancelling is easy - about 3 minutes. Our take: This is the cleanest trial in our entire catalog.
Last verified: July 24, 2026
On ynab.com
Our take
This is the cleanest trial in our entire catalog. No card, no countdown stress, no retention call. The app demands real effort — you assign every dollar a job — but if you survive the learning curve in those 34 days, you've already paid back the year. Skip if you want "set it and forget it"; this is the opposite.
The honest data
By the numbers
- Trial length
- 34 days
- Price after
- $14.99 / mo
- Card required
- No
- Cancellation
- Easy
- Time to cancel
- ~3 min
Cancellation guide
How to cancel YNAB (You Need A Budget)
Documented · ~3 min
- 01
Log in to the YNAB web app at app.ynab.com (billing is not in the mobile app, so open the web app in a browser if needed).
- 02
Go to Account Settings and scroll to Cancel Your Subscription.
- 03
Click it and confirm. You keep access until the end of your current billing cycle and are not charged again.
- 04
If you subscribed through the Apple App Store or Google Play, cancel in that store's subscription settings instead, since billing is managed there.
Full guide: how to cancel YNAB (You Need A Budget)
YNAB (You Need A Budget) free trial - frequently asked
- Is the YNAB (You Need A Budget) free trial really free?
- Yes - the YNAB (You Need A Budget) free trial is free for 34 days. No credit card is required to start.
- How much does YNAB (You Need A Budget) cost after the trial?
- After the free trial, YNAB (You Need A Budget) costs $14.99 per month for the Single tier with full feature set. Students with a .edu email get $4.99/mo for a year (sometimes free for 365 days via the College Program). plan.
- How do I cancel YNAB (You Need A Budget)?
- To cancel YNAB (You Need A Budget): 1. Log in to the YNAB web app at app.ynab.com (billing is not in the mobile app, so open the web app in a browser if needed); 2. Go to Account Settings and scroll to Cancel Your Subscription; 3. Click it and confirm. You keep access until the end of your current billing cycle and are not charged again; 4. If you subscribed through the Apple App Store or Google Play, cancel in that store's subscription settings instead, since billing is managed there. It takes about 3 minutes and is rated easy to cancel.
- Do I need a credit card for the YNAB (You Need A Budget) trial?
- No - YNAB (You Need A Budget) does not require a credit card to start the free trial.
Weighing your options
More Memberships & Finance trials
MasterClass
Free
-
After
$120.00
Kept
-
“MasterClass is the premium end of online learning: 200-plus classes taught by the actual names, filmed like Netflix documentaries with cinema-grade cameras and original scoring. Reviewers consistently praise the production and the caliber of instructors, and if you watch fifteen or more classes a year the $120 Standard plan works out below ten dollars a class. Two honest caveats. First, it is designed for inspiration, not accountability: there are no quizzes, exercises, graded feedback, or STEM depth, so watching is not the same as finishing something. Second, and more practically, every plan is billed a full year upfront and renews a year later at list price. That annual renewal is by far the most common complaint about the service, and the 30-day satisfaction guarantee only covers your very first purchase, not the renewal. Subscribe if you will genuinely watch a lot, then track the renewal here so we can send a reminder before the annual renewal, so nothing surprises you.”