The short answer
YNAB INC is the annual ($109/yr) or monthly ($14.99/mo) software subscription charge for You Need A Budget (YNAB), a popular zero-based budgeting software application and methodology.
How YNAB subscription billing works
You Need A Budget LLC (YNAB) operates a widely used envelope budgeting platform founded on four core rules: give every dollar a job, embrace your true expenses, roll with the punches, and age your money. Statement descriptors for the service display YNAB INC, YOU NEED A BUDGET, or YNAB.COM.
YNAB is offered under two billing cycles: a monthly subscription plan at $14.99 per month or an annual plan at $109.00 per year (plus applicable state sales tax). Most subscribers choose the annual option for cost savings, which means a single lump-sum charge debits once every twelve months.
Because annual plans bill exactly 365 days apart, users frequently forget about their original signup anniversary. When the recurring $109.00 charge hits, cardholders who have not logged into their budget for several months often mistake the legitimate renewal for an unrecognized merchant debit.
The fine print on YNAB renewals
- An annual $109.00 software renewal charge billed on your original sign-up calendar date.
- A monthly $14.99 subscription fee billed every thirty days.
- A subscription initiated via the Apple App Store or Google Play Store billing channels.
- A YNAB Together feature where family members share budget access under one payer's subscription.
Managing your budget subscription
- Log into your account at app.ynab.com Click on your budget name in the top left corner, select Account Settings, and review your Subscription details and next billing date.
- Cancel automatic renewal if no longer budgeting Click Cancel Subscription under Subscription Settings. You will retain access through the end of your prepaid period.
- Request a pro-rated or full renewal refund YNAB maintains a customer-friendly refund policy: message help@ynab.com if an annual charge renewed unexpectedly and you wish to close your account.
Questions cardholders ask
What happens to my budget data if I cancel YNAB?
Your budget history and transaction data remain securely saved in your YNAB profile. If you resubscribe in the future, your budgets restore instantly.
Can I get a refund if YNAB renewed automatically?
Yes. YNAB's support team provides prompt refunds for auto-renewed annual subscriptions if you contact them shortly after the charge posts.
Independent reference — not affiliated with You Need A Budget LLC. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- YNAB - Pricing and Subscription Policy https://www.ynab.com/pricing
- YNAB - Terms of Service and Cancellation Rules https://www.ynab.com/terms
Reviewed Sep 26, 2026 · high · About UnknownCharges