YNAB Price Change 2021

Hey all,

You’ll see an in-app message today with more information on the upcoming pricing change that will impact your next renewal. We know—especially for a YNABer—that every dollar counts, and we don’t take price changes lightly.

Questions or feedback about the change can be shared below. Please check out our FAQs for more details, or questions that may have already been addressed.

If you have questions about your account, you can reach out to our Support team from the app on web or mobile.

We hope and trust you’ll continue seeing the value of a YNAB subscription.


  • New topics or comments in other areas of the Support Forum will be directed to this thread.
  • We understand the impact that price changes can have. Please keep our Community Guidelines in mind.
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  • This is insane. I have never seen a SaaS provider DOUBLE their subscription fee in one fell swoop. Usually a few dollars at a time. I can only assume this has been done because YNAB needs more revenue in order to function… money management issues? That would be ironic…This is the final straw in a series of changes to the products that come across as capricious. I’m out. I honestly feel I could do better with a spreadsheet. 

    Like 15
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 9
      • Reported - view

      Tan Network They're out pricing Quicken but with half the features. Granted, Quicken is NOT anything like YNAB, but seriously? YNAB is now one of the most expensive apps on the market.

      Like 9
      • Bad Mister Frosty
      • Clayfighter Champion
      • Navy_Blue_Mixer.15
      • 2 mths ago
      • Reported - view

      Tan Network It's only doubling for the "legacy" folks--but at least you get 10% off the doubled price, so you still won't be paying as much as the rest of us newer users who will have to pay full price.

      Like
  • YNAB is a great app, but I don't like this at all. We'll be evaluating the alternatives.

    Like 10
    • nolesrule
    • Stealing From the Future fix is an improvement but is incomplete....
    • nolesrule
    • 2 mths ago
    • 14
    • Reported - view

    Anyone notice they waited till after the merch sale to make the announcement? One less category to be able to WAM from. 🤔

    Like 14
      • Herman
      • herman
      • 2 mths ago
      • Reported - view

      nolesrule I'm one that jumped from ynab 4 immediately and was pretty happy with that decision from the beginning.   Looks like I'll be starting 2022 back in ynab 4 or something new!  Luckily I don't renew until mid-January so i can close out the year and start the new year fresh. 

      Like
  • I am still unclear so I will not comment. I pay 45 bucks a year right now. will I be paying close to 100 bucks from now on or am I paying an extra 10%...roughly 5 bucks more? Can someone clarify please?

    Like 2
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • 4
      • Reported - view

      DosBoss57 you will be paying 90% of the new price. so roughly double what you are paying now.

      Like 4
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 2 mths ago
      • 1
      • Reported - view

      DosBoss57 Take a look at the FAQ referenced at the beginning of the post.  Those of us currently grandfathered at $45 will pay $89.10 on the next renewal.  Which for me is December.

      Like 1
    • DosBoss57 your price is doubling, you will be paying nearly 100 a year for the privilege of using exactly what you have now. -- until they increase it again. 

      Like 1
  • So,  since I live in Europe and have been using YNAB for several years (paid the 45$/year) I didn't really care too much about the import function not being available to customers outside of the US. However, since you just informed us about a big price increase I am starting to wonder: You should offer different price tiers e.g. with or without import function.

    Right now I haven't been able to use the products full functionality for years. On top of that I will have to play almost double the price without any new features or adaption to pricing models.

    I am sorry but I really do not like the way this is heading....

    Please re-evalute this decision or create tiered-pricing models.

    Like 14
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 4
      • Reported - view

      Violet Orca For the life of me, I can't understand why they don't have tiered pricing with/without import. I guess more $$$ money is better.

      Like 4
      • Violet Orca
      • Violet_Orca.11
      • 2 mths ago
      • 3
      • Reported - view

      Pink Major I suppose nobody does. And to be fair it doesn't make sense anymore. I really love YNAB and I don't want to change, but.... like I said the direction this is heading is absurd.

      Like 3
      • DosBoss57
      • Sales Manager
      • Sky_Blue_Drum.14
      • 2 mths ago
      • 13
      • Reported - view

      Pink Major Tiered or not makes no difference. The fact of the matter is that those of us who are "grandfathered" got the bone on this. I've been a user for many years and actually didn't use YNAB for a couple of years but kept paying just so I would never "have" to pay the higher price. This is a total insult and slap in the face to the most loyal users....to those of us who helped get them the recognition they are profiting from. UNACCEPTABLE !!! Total lack of respect...

      In a way, it reminds me of the cell phone companies with their promotions that only apply to new users with no regard for the loyal customers. When you really think about it, the newer users are getting a better deal percentage-wise....This sickens me....at the end of the day, some of us will leave and some of us won't....and who wins in the end?  JESSE....

      He should run for government!

      Like 13
    • DosBoss57 I've been asking for tiered (international) pricing for years and getting ignored.

      Like 4
      • Brendan
      • Former YNAB enthusiast. 2008-2021.
      • brendan_nz
      • 2 mths ago
      • Reported - view

      Violet Orca YNAB Team: Can you please advise when you'll be supporting bank fees for New Zealand (specifically BNZ). I have been paying for this functionality for the last few years, and haven't been able to use it.  Perhaps we could get a discounted rate for being outside the US?

      Like
    • Brendan I'm with BNZ too. Good luck getting integration! Don't you find that pending transactions on credit cards and the delay too long to put up with bank sync?

      Like
    • Brendan  Direct import for the UK and EU is currently in beta testing. You can stay up to date on the progress in this thread. We don't have any plans to introduce a tiered pricing system at this time.

      Like
    • Dela And you haven't for the last 5 years, which is as long as I've been asking for it.  Don't you think it's a little insulting to have someone ask you specifically about New Zealand connectivity and you answer with  UK and EU?  You *do* realize that neither one has anything to do with what was asked right?  (Last I checked New Zealand was not located in either the UK or the EU.)

      Like 7
    • Sky Blue Tape (mmille) Oh my gosh, that's my bad. I sincerely apologize for my oversight and rudeness. 

      Like 1
  • Hot on the heels of a terrible loan system, and without direct import in Australia, now I get this?

    I’m already paying for support services I don’t need or use.

    This seems a very self-centred deal. But hey, I guess Jesse has a lot of kids to feed!

    Like 12
  • I can't believe such a big price jump. I love the system and the whole community thing but YNAB does seem to be adding features that I don't really need. I have until August 22 to think about whether I am prepared to pay the increased amount or work with my own spreadsheet. Happy to register my voice alongside the sceptics here.

    Like 4
  • This is appalling not necessarily because of the price itself but because you got me to sign up by saying legacy pricing and now you are changing that to a 10% discount.

    I don't think I'd use direct import even if/when I can (UK) but with that and the woeful attempts to change the software to be all things to all people - yes, loan accounts I'm looking at you, I really would have to consider whether it is actually worth this price jump.

    The simple, core product worked well because it supported the method. Some of the changes to nYNAB I agreed with (the loss of the red button) and some I didn't (loss of walls, the nonsense that is AOM) but it was OK because I knew enough not to lose the functionality I value and the basic product was still worth the grandfathered price to me.

    Now I'm not so sure. The worst bit is feeling lied to. That takes some coming back from.

    Like 20
      • Alaric
      • Alaric
      • 2 mths ago
      • 15
      • Reported - view

      monkeyhanger Exactly and they aren't being honest about that change in language and to top it all off they are giving us very little notice. We were promised $45 for life as early adoption to nYNAB. Now its 10% off which is is insulting on so many levels. I'm looking at competitors and will likely switch to one of them even if its more expensive. Its not the increase that i'm upset about, its the way they went about this. Very poor communication/management here. 

      Like 15
  • I think Jessie has to send out an email to everyone explaining the reasons behind the hike for the legacy user. I thought I was grandfathered into £45.

    Once we know why he has made this decision. (Not just a one-liner. An explanation). We can then make informed decisions whether or not to continue with Ynab.

    Like 4
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • Reported - view

      Cyan Hammerhead Jesse isn't CEO anymore...

      Like
      • Lego
      • lego
      • 2 mths ago
      • 2
      • Reported - view

      Cyan Hammerhead agreed. I have sent an email to support asking for a response from Todd or Jesse (since he's still on the Board) about this email he sent us on Nov 13, 2017 before the last price increase, which stated "you are grandfathered in with the existing price."

      Like 2
  • I'm not a legacy customer, and my renewal is far enough out that I can probably save up in time. HOWEVER, YNAB announcing a price increase 30 days before the increase goes into effect is absolutely, 100% against your rules/model. How are people supposed to have saved for this true expense, when they have 30 days to do it? Even if it is just the smaller increase for non-legacy customers, making people scramble to find that money is really not okay, given the philosophy here.  And for the legacy customers, where you've doubled the price, that is extremely not okay.

    I see the value in YNAB, and I don't know that I could create the same functionality for myself with a spreadsheet. But I honestly don't know if I'll renew or not, given the way things are announced/rolled out - with little warning and a loss of functionality for many users. 

    Like 16
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • Reported - view

      Fuzzball Meows They're just a company. Why would they care about some "rules"? I don't hold that against them... Obviously, they want the new years resolution crowd's money.

      Like
    • Pink Major I keep hoping the people running companies will have the integrity to have the company be more than just an income stream. I'm usually disappointed, but I keep hoping.

      Like 10
  • Oh this is SO not cool.  I haven’t complained about SAS models for years.  If they’re not worth it, I opt out (hello, Adobe), I negotiate (SaneBox is AMAZING), or I do what I just did last night and get my Office 365 renewal on eBay at half price because the retail box was crushed. That’s how I YNAB. Swallowing 90-100% price increases is not.

    Like 5
  • Last month I received an email from YNAB saying "Sorry, with next renewal we will now be charging tax". So I had to change my subscription goal for YNAB to play catch up with adding tax onto the $84 renewal. Now this month, I got the notification from YNAB that YNAB is increasing the price to $98.99 +tax!!! 

    Seems to me like "Something is rotten in the state of Denmark"!!!

    Like 6
  • Surprised you didn't consider turning your biggest supporters into detractors.  YNAB 4 to subscription based was a shock, but promised $45 per year.  Now, going from subscription $45 to $99 is even more of a shock.  Both feel like broken promises.  Not sure I can believe there won't be another in a year or two.  I don't think a Hannah video or podcast can fix this one.😞

    Like 14
  • 17% increase over last year for regular users, and nearly 2x for legacy users?  The costs of running the workloads in AWS have not increased.  If anything the available services to run the platform have become more efficient at scale.   I can see your labor costs increased, but if you haven't increased the product cost over the last 4 years incrementally, that's poor execution on your part.  Not sure I want to justify this at this price point.  This is becoming Netflix-like pricing.

    Like 6
    • Jason not even Netflix has ever doubled my price. I can’t think of any other app or service that has done! Ironic for a budgeting app to be the one trying to do it now.

      Like 1
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • 1
      • Reported - view

      Emmavescence I pay 67% less for Netflix now than I did in 2002.

      Like 1
  • As a systems Engineer/Software developer.

    I understand the price change and hope that others be not too harsh on YNAB, software engineers must study 24/7 just to have the knowledge to roll out the type of updates you see on YNAB, especially synchronizing accounts with multiple banks. This requires a lot of processing power from servers and smart engineers.

     

    I found YNAB last year and just started taking it seriously and in this first month alone I saved $300 so YNAB has already saved me 3 years' worth of its subscription.  

     

    one thing we don't want is for the price to remain the same and not move with inflation since the value of the dollar does decrease over the years, and taxes increase, and then we have our favorite budgeting company go insolvent because they couldn't cover their true expenses and age their dollars and now, we are all forced to an excel spreadsheet. 

     

    please let's be positive guys and remember how much peace and savings YNAB has bought us!
    Thank you for all the hard work YNAB Team! let me know if you guys are looking for any System engineers too :)

    Like 2
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 4
      • Reported - view

      JahfarBudgets I don't have problem with prices being what prices are. But at this price point, they are no longer a "budget" app. They are now priced higher than Quicken and others. I'm not loyal to a company, I pay them for a product and use that product. If it ceases to be worth it, I'll buy a competitor.

      Unfortunately, I don't think there are many serious competitors at this point. There are some, but they aren't YNAB. I give a 70% probability we stay with YNAB, but will for sure research the alternatives.

      Like 4
    • Well JahfarBudgets , as a consumer, I'm struggling to see the associated benefit equal to a near-doubling of price. Hope the job application goes well though.

      Like 6
    • JahfarBudgets I don't live in the United States. I can't sync YNAB with ANYTHING. Why should I pay for it? I don't have loans, I don't have credit card debt. I don't care if YNAB interfaces with indeb.it or has a new fancy loan payoff calculator of their own. I OWN YNAB4 straight out; why should I pay $90USD/year for less than full featured software?

      Like 6
      • Saish Dawg
      • saish_dawg
      • 2 mths ago
      • 1
      • Reported - view

      JahfarBudgets With all respect, I think both the engineering and economic analyses are flawed. 

      They just started rolling out new features recently after a dearth of working (seemingly) direct import issues.  My guess is those and support suck up far more than the general feature development budget.  Plus, as others have alluded to, there are serious defects in even the mathematical calculations (which should be table stakes in this kind of app) to say nothing of oft-requested features dying of neglect for years.  Thank goodness for the Toolkit!  The main web app is basically unusable to return to.

      Vis a vis the economics, I have no idea how tax policy bears (lowered in the US significantly between now and the last increase in fees) or the exchange rate consistently depreciating the dollar.  

      Like 1
      • glynab
      • glynab
      • 2 mths ago
      • Reported - view

      JahfarBudgets New features was the selling point of the subscription model.  Now, to act on that, the prices need to go up?

      Like
  • I showed up in July 2016. I got grandfathered in at the 2016 rate, but not the $45. So my price is doubling from $50/year to $99/year in one fell swoop. I have more time to save up for it, but I'd logged in to do my November budgeting because I thought it would be a nice soothing Monday morning activity. Not a "by the way, you need to pay twice as much for exactly the same thing, kthxbai!" activity.

    Look. I run my own business. I realized my prices were far behind what someone in my field with my experience should be paid. I raised my prices in 2021. But my most loyal clients got a 10% raise in price, not a 10% discount from my new prices. It's not hard to think of the people who've been around from the beginning, you'd think. Gonna be talking to my husband tonight, but like people have said, there really isn't an alternative.

    But "We're the only software doing this so we can charge whatever the heck we feel like" sure ruins my goodwill.

    Like 6
      • glynab
      • glynab
      • 2 mths ago
      • 1
      • Reported - view

      slightlysmall This has the same feeling that I get when the cable company raises my rate.  Oh, just the discount is locked in, but the price goes up unbounded at any time.

      Like 1
  • As an avid budgeter, I've been setting aside 7/mo on YNAB. Seeing that now I may have to set aside double to pay the annual fee... a bit hard to swallow. It's not even a gradual increase. I may need to switch back to my excel system. It worked for me for the last 30 years. I'm not afraid to go back to it. 

    Like 3
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 3
      • Reported - view

      Gold Horn Look at Actual Budget App and watch Budgetwise. There are alternatives that look very promising.

      Like 3
  • So thank you for the kick to see what my other options are. $50 was acceptable for the product I was getting (even though I have to manually import everything and the android app is missing important features) but a 100% price increase is a total joke. My renewal is in February so I have a few months to try out a few options and get my data ported over to my new platform. The focus is only on new users (which I used to recommend YNAB too constantly, even though it was "so expensive!"). $100 a year is more than I would pay for something that actually had all of it's working features! I can't/don't use/don't need the majority of what you use to justify such a high price (support, features, auto import).

    Like 14
    • Sarah Ive been manually adding for months anyway -- it continually loses connection with my credit union and duplicates my citi bank cards so I just disconnected it and add manually -- not that hard if you keep up on it Im looking into actual budget as my alternative. I really did like YNAB but this price increase and the way it is handled is just .... bad. and how long till they raise it again? 

      Like 1
  • I'd like to link to this thread: https://support.youneedabudget.com/t/60h6jqh/software-as-a-service-starting-to-seem-like-a-scam - Software as a Service / Starting to seem like a scam

     

    Because the increase in price now seems like an even bigger scam. YNAB a couple months ago said they had a team of 25 developers. There have been some nice updates this year, but as a software developer myself, I have no idea how you need 25 developers. I'm really sorry if I'm being blunt here, but does anyone else in the Software industry consider that 25 developers that provide the output of what's in the Release Notes page to be normal (https://www.youneedabudget.com/release-notes/)? It really doesn't make sense to me..

     

    So at this point, with this price increase, I'm starting to doubt where that increase of money is going and if it's being put to good use.  Because it's certainly not on new features. 

     

    If it's going to better support, videos, Zoom webinairs, wouldn't it make more sense to have a paying tier for unlimited support or things like that? I'd rather pay a smaller price and have no live support.

    Like 14
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 1
      • Reported - view

      Green Orca 25 devs sounds about right for the bug ridden, bloated software that is YNAB....

      Like 1
    • Green Orca Maybe Brazil is getting more expensive for the CEO, or where in the world is he now?

      Like
  • As someone who switched from the legacy app to the subscription, I was promised a lifetime discounted price. No, not a lifetime 10% discount on whatever the price happens to be at any given moment. A lifetime 45$ annual price. You are literally committing fraud. Cancelled.

    Like 13
    • Sea Green Camera that was what we all were told. this is dishonest at a minimum going to get to App Store to review it and make sure new users know what they are getting into. 

      Like
  • I can understand a price increase, but doubling the price for long time subscribers feels like a swift kick to the teeth. I can afford it, but I'm not sure I want to support YNAB anymore...

    Like 7
    • Violet Flute (127250373b29) why would one want to support YNAB anymore, we were promised a lifetime 45$ annual price to swallow the pill of paying a sub. Now they are pretending like the lifetime promise was a 10% discount to whatever the price happens to be at any given moment 😄

      Like 8
      • Seabass
      • Seabass
      • 2 mths ago
      • 5
      • Reported - view

      Sea Green Camera I didn't take the $45 offer and stayed on YNAB4 until 2019.  But it was clearly my understanding that it would remain $45 (which was 10% off the original $50 sub) for those that did it within a certain period of time and then the rest of us would get 10% of the current pricing.  I really think you all should find as much evidence as possible and fight it.

      Like 5
  • The price increase coming on the heels of a half-baked loan tool leaves a poor taste in my mouth. What exactly are we paying for?

    This is one of the reasons I am a big proponent of open source software. Almost sounds like it's time for somebody to start a project for an open source envelope budgeter.

    Like 10
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 1
      • Reported - view

      RocketBran It's been tried for years. Devs don't seem interested...

      Like 1
      • RocketBran
      • rocketbran
      • 2 mths ago
      • 1
      • Reported - view

      Pink Major I think it sounds like a fun coding project. I might start plonking away at a text based version and see if that riles up enough interest to have someone help with a GUI. I'm renewed through August so I've got time.

      Like 1
      • Pink Major
      • Pink_Major
      • 2 mths ago
      • 1
      • Reported - view

      RocketBran I think it's a great idea. Financier is supposedly semi OS. I think the model is a Bitwarden version of OS. Open, but paid for hosting.

      Like 1
      • RocketBran
      • rocketbran
      • 2 mths ago
      • 1
      • Reported - view

      Pink Major I think in the spirit of GNU (GNU Need A Budget?) I would encourage nextcloud integration as the default, with options for owncloud, Dropbox, Google Drive, etc. A monetized model would have to be a fork and I don't want to admin that.

      Like 1
  • After some thought, and the revelation that I could re-download YNAB4 and use my old activation key, I cancelled my subscription, which was due to renew tomorrow as it happens. I'm aware that it would have actually renewed at the old price, but I thought I'd save myself the $45. So this was timely, but also sad for me, since it's the first time I've made a change out of a sense of frustration and disappointment with YNAB. I can't recommend it to friends going forward without saying "it's expensive and there's no reason for you to believe it will ever stop being increasingly more expensive."

    I don't usually flounce (and I still feel so grateful for the forums and still plan to participate, esp. in the debt smackdown), but I'm legitimately sad and I guess I just wanted to say so. I think the method itself (at least the one I learned) is invaluable. I wish it had gone in a different direction and stayed a one-time software purchase product, but it didn't, and this is just one disappointing change too many for me. 

    Like 8
    • Turquoise T-Rex 

      Turquoise T-Rex said:
      still feel so grateful for the forums and still plan to participate, esp. in the debt smackdown

       Good luck. Other people have been excluded from the forum after ending their subscription. I think you have to make sure you use your email for a free trial every 6 months to keep your forum username. FYI

      Like 1
    • Move Light Sound Life Oh. Well, if so that's fine with me too. Thanks for the heads up though! :)

      Like
    • Turquoise T-Rex I won't be surprised if they hope people cancel to avoid the  legalities of not keeping the promise.

      Like 1
      • Max
      • YNAB Class of 2007
      • Max
      • 2 mths ago
      • Reported - view

      Move Light Sound Life It looks like they are finding a place to speak out on Facebook.  Not a good day for YNAB.

      Like
      • Bad Mister Frosty
      • Clayfighter Champion
      • Navy_Blue_Mixer.15
      • 2 mths ago
      • Reported - view

      Max Check out the YNAB group on Reddit.  Lots of conversation there also.

      Like
  • I've been using YNAB since the YNAB Pro days in 2008. This is the first time I've questioned the actions of the company. It was my understanding that I had a $45.00 lifetime annual subscription. This price increase seems unfair and I feel cheated.

    Like 23
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • 1
      • Reported - view

      mbowling I started in 2008 on Pro as well. I can do YNAB style budgeting in my sleep now. Definitely mulling over my options now. Will be trying some full featured finance apps that go for the same price. Will definitely be trying the Monarch 7 day trial.

      Like 1
      • mbowling
      • mbowling
      • 2 mths ago
      • 1
      • Reported - view

      Superbone I don't frequently participate in the YNAB forum, but I do remember seeing your posts through the years. It's interesting that you are trying Monarch Money. I also plan to try the Monarch software. I have a four day weekend next week when I will give the software a test drive.

      Like 1
    • mbowling that was all of our understanding. this is a really poor move on YNABs part 

      Like
  • I've been a YNAB user since 2011. I remember distinctly that as a YNAB4 user grandfathered in my price would be locked-in at $45/year. If this was not the case, YNAB should have made it plain. The Twitter post linked in this thread is proof that those of us that thought this to be the case were led to believe the lifetime price was true - not a discount percentage, a price. It is disappointing for a company that I trusted to break a promise.  

    Like 13
    • kmp Yep, I'm with you here. I distinctly remember signing up because it was a locked-in $45/year for early adopters. Deleting the tweet doesn't erase collective memory - the number of upset legacy users in this thread is proof of that. 

      Like 11
      • Seabass
      • Seabass
      • 2 mths ago
      • 3
      • Reported - view

      ancientrena I was offered the $45 but did not want it because I won't link my accounts.  It was a lifetime offer for those who took it within a certain period of time.  After that time, we would still get a 10% off just based on the current price.  That was the sales pitch!!!!!

      Like 3
      • kmp
      • kmp
      • 2 mths ago
      • 10
      • Reported - view

      Yes, I remember the $45/year being a lifetime price as long as you didn’t cancel and the 10% being a lifetime discount even if  you cancel and later resubscribe.

      Like 10
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