What YNAB costs
YNAB charges $109 per year, rising to $14.99 per month on the top tier. There is no free plan below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Annual | Price$109per year | Included
| Not included
|
| Monthly | Price$14.99per month | Included
| Not included
|
- Free tier: no.
- Annual billing: Paying annually saves $70 against the monthly price
- Billing currency: YNAB bills in US dollars, so a UK card is charged an FX fee on top of the headline price at every renewal.
Prices taken from YNAB’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Annual at $109 per year is the tier that covers all features.
- Monthly at $14.99 per month is the tier that covers all features.
YNAB suits people who want to change their spending habits and will do the weekly work, so that is the lens to pick a tier through.
What the price does not cover
- YNAB bills in US dollars, so a UK card is charged an FX fee on top of the headline price at every renewal.
- UK pension and ISA modelling
- Long-term forecasting
- The $70 saving that annual billing gives you
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs YNAB.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
YNAB is the better tool for fixing month-to-month spending habits. It stops at the end of the month, so it cannot tell you whether your pension is on track or what your ISA allowance should be doing.
More on YNAB
YNAB: common questions
YNAB costs $109 per year. Paying annually saves $70 against the monthly price. Prices were checked on 21 July 2026.
No. YNAB has no free tier, so the cheapest way in is $109 per year, after the 34 day free trial.
YNAB bills in US dollars, so a UK card is charged an FX fee on top of the headline price at every renewal. The size of that fee is set by your card issuer, not by YNAB, so check your card's terms.
The decision-relevant difference is that Monthly adds all features. Annual covers all features.
Yes, at $14.99 a month. Paying annually saves $70 against the monthly price, so monthly billing is the more expensive route.
There are cheaper tools in the budgeting category, though most trade away something YNAB does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job YNAB does for people who want to change their spending habits and will do the weekly work.