--- title: "How to Cancel Your YNAB Subscription and Delete Your Account | Candor" description: "Cancel YNAB in Account Settings in the web app, or in the App Store or Google Play. What happens to your plan, refunds, deleting your account, and exporting first." url: "https://candor.money/how-to-cancel-ynab" updated: "2026-11-11" --- # How to cancel your YNAB subscription Updated 2026-11-11. Canonical page: https://candor.money/how-to-cancel-ynab To cancel YNAB, open the web app, click your plan's name at the top of the left sidebar, choose Account Settings, and click Cancel Subscription. The phone app has no billing settings, so use a browser. If Apple or Google bills you, cancel in that store instead. You keep YNAB until the end of the period you paid for. Below are the exact steps, what happens to your plan, and how to export it first, from YNAB's help center as of November 9, 2026. ## How it works with your agent 1. Create a Candor account. 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. Or try it free with your history from Monarch, YNAB, Copilot, or your bank. 2. Export your plan from the YNAB web app, and upload the download to Candor; your agent checks it and adds your accounts. 3. Copy one setup message into Claude, ChatGPT, or your agent, and approve its access. 4. Tell your agent what you want, and it sets up goals and a budget from your real spending, saved with their reasons. ## 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. - [How to export your transactions from any app or bank](https://candor.money/how-to-export-your-transactions) ## 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. - [Monarch vs YNAB](https://candor.money/monarch-vs-ynab) ## 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. - [YNAB alternative: how Candor compares](https://candor.money/ynab-alternative) ## 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](https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q), YNAB, 2026-10-14 - [Your YNAB Trial](https://support.ynab.com/en_us/your-ynab-trial-ry87vWAc), YNAB, 2026-10-29 - [How to Request a Refund](https://support.ynab.com/en_us/requesting-a-refund-SyNvz1I5), YNAB, 2026-09-24 - [How to Export Plan Data](https://support.ynab.com/en_us/how-to-export-plan-data-Sy_CouWA9), YNAB, 2026-08-18 - [Pricing](https://www.ynab.com/pricing), YNAB - [Cancel a subscription from Apple](https://support.apple.com/en-us/118428), Apple, 2026-09-29 - [Cancel, pause, or change a subscription on Google Play](https://support.google.com/googleplay/answer/7018481), Google ## Keep reading - [YNAB MCP servers and alternatives](https://candor.money/ynab-alternative) - [How to export your transactions](https://candor.money/how-to-export-your-transactions) - [Monarch vs YNAB](https://candor.money/monarch-vs-ynab) - [How to cancel Monarch Money](https://candor.money/how-to-cancel-monarch-money) - [Start Candor from your export](https://candor.money/try-candor-free) - [What budget could I actually live with?](https://candor.money/explore/realistic-budget) - [How do I plan when my income goes up and down?](https://candor.money/explore/irregular-income) ## Keep your history and let your agent keep the budget. Bring your YNAB export into Candor, add your agent, and tell it what you want your money to do. Your agent keeps the budget current, so you don't have to. Agents can install Candor themselves from https://candor.money/START.md.