{
 "id": "ynab",
 "name": "YNAB",
 "category": "finance_apps",
 "website": "https://www.ynab.com",
 "domains": [
  "ynab.com"
 ],
 "summary": "Direct subscribers cancel in the YNAB web app: plan name, Account Settings, Cancel Subscription (the mobile apps can't do it). App Store or Play Store subscribers cancel with Apple or Google. Access lasts to the end of the period, and YNAB keeps most data for up to 24 months.",
 "routes": [
  {
   "channel": "direct_web",
   "applies_to": "Subscriptions billed directly by YNAB",
   "who": "The subscriber, logged in to the YNAB web app (on a phone, open the web app in a mobile browser)",
   "method": "self_serve",
   "start_url": "https://app.ynab.com/settings",
   "steps": [
    {
     "do": "In the YNAB web app, click the name of your plan at the top of the left sidebar",
     "expect": "Account Settings"
    },
    {
     "do": "Select Account Settings",
     "expect": "Cancel Subscription"
    },
    {
     "do": "Scroll down and click the Cancel Subscription button",
     "expect": null
    }
   ],
   "confirm_by": null,
   "effective": "You keep access through the end of the current subscription period and can resume until then",
   "notice": null,
   "refund": "Monthly subscription fees are non-refundable, per YNAB's terms",
   "fees": null,
   "source_ids": [
    "s1",
    "s2",
    "s3",
    "s6",
    "s10",
    "s21",
    "s22"
   ]
  },
  {
   "channel": "apple_app_store",
   "applies_to": "YNAB subscriptions bought through the App Store on an iPhone or iPad",
   "who": "The Apple Account that pays for the subscription",
   "method": "platform_settings",
   "start_url": "https://account.apple.com/account/manage/section/subscriptions",
   "steps": [
    {
     "do": "On your iPhone or iPad, open Settings and tap your name",
     "expect": "Subscriptions"
    },
    {
     "do": "Tap Subscriptions, then YNAB",
     "expect": "Cancel Subscription"
    },
    {
     "do": "Tap Cancel Subscription",
     "expect": null
    }
   ],
   "confirm_by": "YNAB shows an expiration message and no Cancel button in Subscriptions",
   "effective": "You keep access through the end of the current subscription period",
   "notice": null,
   "refund": "Request refunds from Apple (YNAB points to Apple's refund page)",
   "fees": null,
   "source_ids": [
    "s4",
    "s6",
    "s9",
    "s17",
    "s18"
   ]
  },
  {
   "channel": "google_play",
   "applies_to": "YNAB subscriptions bought through the Play Store on Android",
   "who": "The Google Account that pays for the subscription",
   "method": "platform_settings",
   "start_url": "https://play.google.com/store/account/subscriptions",
   "steps": [
    {
     "do": "Go to your subscriptions in Google Play",
     "expect": "YNAB"
    },
    {
     "do": "Next to YNAB, click Manage, then Cancel subscription",
     "expect": null
    }
   ],
   "confirm_by": null,
   "effective": "You keep access through the end of the current subscription period",
   "notice": "A Google Play free trial renews automatically as a subscription",
   "refund": "Request refunds from Google within 48 hours of subscribing",
   "fees": null,
   "source_ids": [
    "s5",
    "s6",
    "s8",
    "s19",
    "s20"
   ]
  }
 ],
 "pay_less": [
  {
   "type": "annual_billing",
   "what": "The Annual Plan is $109 a year ($9.08 a month), against $14.99 a month on the Monthly Plan",
   "evidence": "documented",
   "source_ids": [
    "s12",
    "s13"
   ]
  },
  {
   "type": "student_or_nonprofit",
   "what": "College students get a free year through YNAB's College Program (not available on Apple-billed subscriptions)",
   "evidence": "documented",
   "source_ids": [
    "s14",
    "s15"
   ]
  }
 ],
 "export": [],
 "after_cancel": {
  "access_until": "The end of the current subscription period",
  "data_kept": "YNAB keeps most account data for up to 24 months after the subscription or trial expires, unless you delete the account, and reminds you before deleting it",
  "you_lose": [
   "Access to your plans once the subscription expires (resubscribing restores it)"
  ]
 },
 "agent_notes": {
  "sign_in_needed": true,
  "phone_or_chat_only": false,
  "retention_step": null,
  "tips": [
   "The YNAB mobile apps can't change a direct subscription: open the web app's settings in a browser instead",
   "Google Play subscribers must request any refund within 48 hours of subscribing",
   "A trial started directly with YNAB doesn't need cancelling: you aren't charged unless you subscribe",
   "If you can't use the web app, YNAB's terms also let you cancel by contacting Support at help@ynab.com"
  ]
 },
 "sources": [
  {
   "id": "s1",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "From the web app, click the name of your plan (located at the top of the left sidebar). Select Account Settings. Scroll down and click the Cancel Subscription button.",
   "supports": "the direct cancel steps"
  },
  {
   "id": "s2",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "Billing and subscription information is not available through the mobile app settings (only in the web app).",
   "supports": "no cancelling in the mobile apps"
  },
  {
   "id": "s3",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "As a workaround if you don't have access to a computer, try copying and pasting the web app address",
   "supports": "using the web app in a mobile browser"
  },
  {
   "id": "s4",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "If you subscribed through the App Store (on an iPhone or iPad), you'll need to manage your subscription through Apple.",
   "supports": "the Apple route"
  },
  {
   "id": "s5",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "If you subscribed through the Play Store (on Android), you’ll need to manage your subscription through Google.",
   "supports": "the Google Play route"
  },
  {
   "id": "s6",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "Canceling your subscription will allow you to access YNAB through the end of your current subscription period. Until that point, you'll have an option to resume the subscription.",
   "supports": "when access ends"
  },
  {
   "id": "s7",
   "url": "https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q",
   "title": "How to Manage Your Subscription (YNAB Support, updated 2026-09-22)",
   "publisher": "vendor",
   "quote": "If your subscription remains expired for the amount of time outlined in our Data Retention Policy, your account data will be deleted.",
   "supports": "data is deleted after the retention period"
  },
  {
   "id": "s8",
   "url": "https://support.ynab.com/en_us/requesting-a-refund-SyNvz1I5",
   "title": "How to Request a Refund (YNAB Support, updated 2026-09-24)",
   "publisher": "vendor",
   "quote": "IMPORTANT! Refunds must be requested within 48 hours of subscribing (your free trial will automatically renew as a subscription through Google Play).",
   "supports": "the Google Play refund window"
  },
  {
   "id": "s9",
   "url": "https://support.ynab.com/en_us/requesting-a-refund-SyNvz1I5",
   "title": "How to Request a Refund (YNAB Support, updated 2026-09-24)",
   "publisher": "vendor",
   "quote": "Go to https://support.apple.com/en-us/118223 and follow the steps laid out by Apple.",
   "supports": "Apple handles refunds"
  },
  {
   "id": "s10",
   "url": "https://support.ynab.com/en_us/requesting-a-refund-SyNvz1I5",
   "title": "How to Request a Refund (YNAB Support, updated 2026-09-24)",
   "publisher": "vendor",
   "quote": "You can also follow the steps to cancel your subscription, which lets you keep using YNAB through the end of your current billing period.",
   "supports": "direct subscribers keep access to the end of the period"
  },
  {
   "id": "s11",
   "url": "https://www.ynab.com/privacy-policy",
   "title": "YNAB Privacy Policy: Data Retention",
   "publisher": "vendor",
   "quote": "We retain the majority of your account data for up to 24 months after your subscription or trial expires, unless you delete your account as described below.",
   "supports": "how long data is kept"
  },
  {
   "id": "s12",
   "url": "https://www.ynab.com/pricing",
   "title": "YNAB Pricing",
   "publisher": "vendor",
   "quote": "Annual Plan $9.08 USD*/month $70 Savings! $109 USD* paid annually",
   "supports": "annual price"
  },
  {
   "id": "s13",
   "url": "https://www.ynab.com/pricing",
   "title": "YNAB Pricing",
   "publisher": "vendor",
   "quote": "Monthly Plan $14.99 USD*/month",
   "supports": "monthly price"
  },
  {
   "id": "s14",
   "url": "https://www.ynab.com/pricing",
   "title": "YNAB Pricing",
   "publisher": "vendor",
   "quote": "We offer all college students a free 365-day trial.",
   "supports": "the college offer"
  },
  {
   "id": "s15",
   "url": "https://support.ynab.com/en_us/how-to-join-ynabs-college-program-rkDd5VlC5",
   "title": "How to Join YNAB's College Program (YNAB Support)",
   "publisher": "vendor",
   "quote": "Apple is unable to honor our College Program promotion",
   "supports": "not for Apple-billed subscriptions"
  },
  {
   "id": "s16",
   "url": "https://www.ynab.com/pricing",
   "title": "YNAB Pricing",
   "publisher": "vendor",
   "quote": "Free trial ends. No need to cancel! You won’t be charged unless you subscribe.",
   "supports": "direct trials don't auto-charge"
  },
  {
   "id": "s17",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "In Settings, tap your name. Tap Subscriptions. Tap the subscription. Tap Cancel Subscription.",
   "supports": "the Apple steps"
  },
  {
   "id": "s18",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "If there is no Cancel button or you see an expiration message in red text, the subscription is already canceled.",
   "supports": "how to confirm on Apple"
  },
  {
   "id": "s19",
   "url": "https://support.google.com/googleplay/answer/7018481",
   "title": "Cancel, pause, or change a subscription on Google Play",
   "publisher": "platform",
   "quote": "On your computer, go to subscriptions in Google Play. For the subscription you want to cancel, click Manage. Click Cancel subscription.",
   "supports": "the Google Play steps"
  },
  {
   "id": "s20",
   "url": "https://support.google.com/googleplay/answer/7018481",
   "title": "Cancel, pause, or change a subscription on Google Play",
   "publisher": "platform",
   "quote": "When you cancel a subscription, you’ll still be able to use your subscription for the time you’ve already paid.",
   "supports": "when access ends on Google Play"
  },
  {
   "id": "s21",
   "url": "https://www.ynab.com/terms",
   "title": "YNAB Terms of Service (last modified April 9, 2026)",
   "publisher": "vendor",
   "quote": "You may cancel your subscription at any time through your account settings or by contacting Support for assistance at help@ynab.com.",
   "supports": "cancelling in account settings, or through YNAB Support"
  },
  {
   "id": "s22",
   "url": "https://www.ynab.com/terms",
   "title": "YNAB Terms of Service (last modified April 9, 2026)",
   "publisher": "vendor",
   "quote": "Monthly subscription fees are non-refundable.",
   "supports": "no refunds on monthly fees"
  }
 ],
 "verification": {
  "level": "partial",
  "checked_on": "2026-09-29",
  "by": "stackcut-research",
  "unverified": [
   "Refunds on annual plans bought directly from YNAB aren't addressed on the pages read (the terms make monthly fees non-refundable)",
   "How YNAB confirms a cancellation (email or status) is not documented",
   "Data export before cancelling was not found on the pages we read",
   "The web-app click path (plan name, Account Settings, Cancel Subscription) couldn't be re-checked in review because that part of YNAB's support article couldn't be read; YNAB's terms confirm you cancel in account settings"
  ],
  "review": {
   "by": "stackcut-review",
   "on": "2026-09-29",
   "result": "partial",
   "notes": [
    "Direct route: added the refund rule from YNAB's terms (monthly fees are non-refundable)",
    "Added an agent tip: the terms also allow cancelling by contacting YNAB Support",
    "Re-checked the mobile-app limit, the Apple and Google Play routes, end-of-period access, the 48-hour Google Play refund window, prices, the college offer and 24-month retention: all match",
    "Could not re-check the exact web-app click path (s1); listed in unverified and level set to partial"
   ]
  }
 },
 "page": "https://stackcut.io/cancel/ynab",
 "json": "https://stackcut.io/exits/ynab.json",
 "evidence": {
  "packet_revision": "cf7a41280beb0b68a5e4a4698303a658417b2ef72c4e371086fe73477bf83338",
  "docs_checked_on": "2026-09-29",
  "last_observed_success_on": null,
  "verification": "partial",
  "freshness": {
   "as_of": "2026-10-09",
   "status": "current",
   "checked_on": "2026-09-29",
   "age_days": 10,
   "stale_after_days": 30,
   "next_check_on": "2026-10-29"
  },
  "routes": [
   {
    "route_id": "ynab--direct-web--r1",
    "channel": "direct_web",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   },
   {
    "route_id": "ynab--apple-app-store--r2",
    "channel": "apple_app_store",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   },
   {
    "route_id": "ynab--google-play--r3",
    "channel": "google_play",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   }
  ]
 },
 "license": "CC-BY-4.0",
 "credit": "Stackcut Exits (https://stackcut.io/cancel), CC BY 4.0"
}