The short answer
YNAB gives you 34 days free and does not ask for a card to start, so access simply stops at the end. Verified 21 July 2026.
During the 34 days
Nothing is held back. The trial is the full product for 34 days, which is long enough to see a full pay cycle through.
When it ends
On day 34 access stops. No card was taken, so nothing is charged and there is nothing to cancel.
How to cancel
Signing up directly on ynab.com does not ask for a card, so the trial ends rather than rolling into a charge. Subscribing through a third-party app store may require card details.
Cancellation processes change. Check YNAB's own page before you rely on this.
Free options in the same category
Several tools in the budgeting category have permanent free tiers rather than trials, and each gives up something different: usually either the account connections or the depth of analysis. Delphina's free plan is one of them, and it gives up the deeper scenario modelling that the paid plans carry.
For what YNAB costs once the trial is over, see YNAB pricing.
Trying Delphina instead
Delphina does not run a trial, because the Free plan does not expire. No card, no countdown, nothing to cancel. If it turns out to be useful, Wealth Builder is £9.99 a month. If it is not, leave it alone and it costs nothing.
More on YNAB
YNAB: common questions
34 days. Verified on 21 July 2026.
No. YNAB does not ask for a card to start the trial, so it ends rather than rolling into a charge.
Access stops. You are not charged, because no card was taken.
Signing up directly on ynab.com does not ask for a card, so the trial ends rather than rolling into a charge. Subscribing through a third-party app store may require card details.
No. A trial and a free plan are different things, and YNAB has the first but not the second.
It depends what you are replacing. For day to day spending, several UK apps have permanent free tiers with limited features. For the pension and retirement side, Delphina's free plan is £0 with no card and no expiry, though it is not a like-for-like replacement for what YNAB does for people who want to change their spending habits and will do the weekly work.