How to Cancel YNAB

Step-by-step instructions

1. 1

   Open app.ynab.com/settings in a web browser

   Cancelling only works in YNAB's web app. YNAB's help says billing and subscription details aren't available in the mobile app's settings, so on a phone, type app.ynab.com/settings straight into Safari or Chrome instead of opening the app, and sign in with your YNAB email. One user who tried this from a phone found that plain app.ynab.com told them to download the app, and only the full /settings address reached their account page. On a computer you can also open the web app, click the name of your plan at the top of the left sidebar and choose Account Settings.

2. 2

   Find the Subscription section and check who bills you

   Scroll to the Subscription section of Account Settings. If you see a Trial section with a Subscribe Now button instead, you're on YNAB's own free trial with no subscription set up, and YNAB says there's typically nothing to cancel: the trial just ends. YNAB can only cancel a subscription you bought from YNAB. If you subscribed inside the iPhone or Android app through Apple or Google, use the matching step below instead. Not sure which? The charge on your card statement names YNAB, Apple or Google.

3. 3

   Click Cancel Subscription and confirm

   Scroll further down and click Cancel Subscription. YNAB's cancellation policy calls it the "Cancel your subscription" button and says the page isn't long; the phone user above found it as small text near the bottom. Follow the prompts and confirm. YNAB doesn't document the screens after the click, though one user who cancelled in April 2026 posted the reason they typed in, so expect a short reason box. Once you confirm, YNAB says you won't be charged again. You keep full access until the end of your billing period, and you can resume the subscription any time before that date.

4. 4
   If this applies to you

   If you subscribed through Apple (iPhone or iPad)

   Apple bills you, so YNAB's web page can't cancel it. On an iPhone or iPad, open Settings, tap your name, then Subscriptions, choose YNAB and cancel. You can also go to apps.apple.com/account/subscriptions, or, as YNAB's cancellation page puts it, open the YNAB app and go to Settings, then Manage Subscription in iTunes. Use the Apple ID that was charged. Apple handles refunds for Apple charges under its own terms; YNAB's help points to Apple's refund page at support.apple.com/118223. An Apple free trial turns into a paid subscription on its own, so cancel before the 34 days run out if you don't want it.

5. 5
   If this applies to you

   If you subscribed through Google Play (Android)

   Google bills you, so cancel in Google Play: go to play.google.com/store/account/subscriptions, or open the Play Store app, tap your profile picture in the top right, then Payments and subscriptions, then Subscriptions, and cancel YNAB. YNAB's help says refunds for a Google Play subscription must be requested within 48 hours of subscribing, through Google's refund request form, and that a Google Play trial renews as a paid subscription automatically.

6. 6
   If this applies to you

   Export your plan before the end date

   YNAB's terms say the service needs a paid subscription, and its help says you lose access to your plan once the subscription expires, so there's no free tier to fall back on. Export only works in the web app: click the name of your plan at the top of the left sidebar and choose Export Plan. You get two files, the plan with its categories and your full transaction history, as CSV files (TSV for currencies that use a comma). Targets and category notes aren't included, and photos attached to transactions only download one at a time.

7. 7
   If this applies to you

   If you share YNAB through YNAB Together

   YNAB Together lets up to six people share one subscription, paid by the group manager. If you're a member, you have nothing to cancel: in Account Settings, under Subscription, choose Leave Group. Your own plans stay with your account, plans others shared with you stop being shared, and YNAB moves you to a 34-day trial before your access ends. If you're the manager, YNAB's help says members share your subscription but doesn't say what happens to them when you cancel, so tell them first and give them time to export. Joining someone else's group while you pay YNAB directly also cancels your own subscription, with a prorated refund on an annual plan and none on a monthly one. If you and a partner merged into one account, check that the other subscription was cancelled: one r/ynab couple found they had been paying twice a year for four years.

8. 8
   If this applies to you

   Know that deleting your account is not the same as cancelling

   Deleting your YNAB account is permanent. It ends the subscription, deletes the plans you own and disconnects your linked bank accounts; YNAB asks MX, one of its bank-data providers, to delete your data, and Plaid connections are managed at my.plaid.com. A deleted account can't be restored, though you can sign up again with the same email. Deleting ends a direct or Google Play subscription automatically, but not an Apple one, so cancel with Apple first. You'll need to turn off Two-Step Verification, and leave any employer Wellness group, before you can delete. The YNAB app has a Delete Account button even though it has no cancel button, so don't tap it by mistake.

   Heads up: Don't delete your account to get money back without checking first. Until September 2026, YNAB's own pages said deleting an annual account triggered an automatic prorated refund, and many Reddit answers still say so, including a 2023 one from YNAB's community manager. YNAB has since removed that promise for everyone outside the UK, Switzerland and the EEA. Email help@ynab.com and get an answer in writing before you give up your budget.

9. 9
   If this applies to you

   If you're still charged after cancelling

   Check who charged you first: the line on your statement names YNAB, Apple or Google, and only that company can stop it. Then look for a second YNAB subscription on another email address, the leftover the couple above found. If the charge is from YNAB and you did cancel, email help@ynab.com from your account's email address, or ask the support chatbot for a human. YNAB's US terms say you must raise a charge you think is wrong within 60 days, or it counts as accepted. One user who was billed a year after cancelling got it sorted through support, who found YNAB billed them directly even though they thought they had used their Apple account.