How do you cancel a YNAB subscription?
If YNAB bills you directly, open the YNAB web app, click the name of your plan at the top of the left sidebar, select Account Settings, scroll down, and click Cancel Subscription. On a phone without a computer, open app.ynab.com/settings in your phone's browser. If Apple or Google bills you, cancel in that store's subscriptions.
Not sure how you subscribed? Open Account Settings in a browser and look at the Subscription section, which says where your subscription is managed.
How do you cancel YNAB on an iPhone or Android?
If you subscribed through the App Store, open Settings on your iPhone, tap your name, tap Subscriptions, choose YNAB, and tap Cancel Subscription. If you subscribed through Google Play, open your subscriptions in Google Play, choose YNAB, and tap Cancel subscription.
If YNAB bills you directly, the phone app can't cancel it. Use the web steps above in a browser.
Do you need to cancel the YNAB free trial?
Not if you signed up on YNAB's website. YNAB takes no card for that 34-day trial, so nothing is charged when it ends. If you started the trial through the App Store or Google Play, cancel it in that store before it ends, or the store bills you for a subscription.
YNAB deletes an inactive trial account 120 days after the trial expires, and emails you a week before.
What happens to your plan after you cancel YNAB?
You keep using YNAB until the end of the period you paid for, and you can resume the subscription until then. Once it expires, you lose access to your plan, though resubscribing restores it. If it stays expired as long as YNAB's data retention policy sets out, YNAB deletes your account data and reminds you before it does.
Can you get a refund from YNAB?
It depends on who bills you. App Store subscriptions are refunded through Apple's refund request page. Google Play refunds must be requested from Google within 48 hours of subscribing. If YNAB bills you directly, contact YNAB's support team, or cancel and keep using YNAB through the end of the period.
How do you export your YNAB data before cancelling?
In the YNAB web app, click the name of your plan at the top of the left sidebar and select Export Plan. YNAB downloads your plan and your full transaction history as two CSV files, or TSV for currencies that use a decimal comma. Export works only on the web, and it leaves out targets and category notes.
Export before your subscription expires, since you lose access to the plan after that. Keep the download as it comes; the transaction file is the one another app needs.
No card needed to start.
How do you delete your YNAB account?
On the web, click your plan's name, select Account Settings, turn off two-step verification if it is on, and use Delete Account at the bottom. In the phone app, tap the Home tab, the three dots, Settings & Privacy, then Account Settings, and Delete Account. If Apple bills you, cancel there first so Apple doesn't charge you again.
Deleting your account ends a subscription YNAB or Google bills, disconnects your linked banks, and deletes the connections YNAB made with its bank data providers. For data Plaid holds, use Plaid's portal at my.plaid.com. A deleted account can't be restored, but you can sign up again with the same email.
Should you cancel YNAB?
Keep YNAB if you like giving every dollar a job and enjoy the routine of assigning money and reconciling; its method works for many people. Cancel if the plan has drifted because the upkeep fell behind, or if you would rather the AI agent you already use keep the budget current for you.
What can you use instead of YNAB?
If you already use Claude, ChatGPT, or another AI agent, use Candor. Tell your agent what you want your money to do, and it sets up goals from your real accounts and a budget that pays for them, then keeps both current. Candor reviews your finances and tells your agent what's worth talking through and why.
Upload your YNAB export on Candor's Accounts page or through a link your agent sends you, and your agent reads the transactions and adds your accounts. Category targets don't come over, so your agent rebuilds the budget with you.
The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file.
Common questions
- Why can't I cancel YNAB in the app?
- Billing for subscriptions YNAB bills directly lives only in the web app. Open app.ynab.com/settings in a browser, or cancel in the App Store or Google Play if one of them bills you.
- Does cancelling YNAB delete my budget?
- Not right away. You keep access through the period you paid for, and resubscribing restores the plan later. YNAB deletes the data only after the subscription stays expired for the period in its data retention policy.
- How much does YNAB cost?
- YNAB costs $14.99 a month or $109 a year, as of November 9, 2026, with a 34-day free trial. College students get a free year.
- Can I bring my YNAB data to Candor?
- Yes. Export your plan from the YNAB web app, then upload the download on Candor's Accounts page. Candor is free to try with your YNAB history.
- How much does Candor cost?
- Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file.
Sources
- How to Manage Your Subscription YNAB, October 14, 2026
- Your YNAB Trial YNAB, October 29, 2026
- How to Request a Refund YNAB, September 24, 2026
- How to Export Plan Data YNAB, August 18, 2026
- Pricing YNAB
- Cancel a subscription from Apple Apple, September 29, 2026
- Cancel, pause, or change a subscription on Google Play Google