How to cancel YNAB

Sign in at https://app.ynab.com/settings on a computer. On a phone, YNAB's documented workaround is to copy and paste that same web app address into a mobile browser, because billing and subscription information is not available through the mobile app settings (only in the web app).

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.

YNAB states that cancelling lets you access YNAB through the end of your current subscription period, and that until that point you have an option to resume the subscription. Once it expires, the account will not renew.

If the steps do not work, YNAB's documented support route is to tell the chatbot you need a human or send them an email — not a specific cancel-by-email address.

Open https://apps.apple.com/account/subscriptions, the link YNAB gives App Store subscribers. Note that YNAB's help centre states billing and subscription settings are not available in the YNAB mobile apps, so the cancellation cannot be done inside the YNAB iOS app — it must be done through Apple.

Sign in with your Apple Account, select YNAB in the subscriptions list, and choose Cancel Subscription.

YNAB notes that cancelling lets you keep access through the end of the current subscription period, with an option to resume until it expires.

For a refund, YNAB directs you to Apple's process at https://support.apple.com/en-us/118223 and says to allow 24 to 48 hours for Apple to update you on your request.

YNAB notes that Apple handles its own billing, so you are subject to Apple's refund terms and must contact Apple directly with billing questions.

Go to https://play.google.com/store/account/subscriptions, the link YNAB gives Play Store subscribers, and sign in with the Google Account used to subscribe. (On a phone you can reach the same list through the Play Store app under Payments and subscriptions, though YNAB itself only documents the web link.)

Select YNAB and cancel the subscription.

YNAB states that cancelling lets you keep access through the end of the current subscription period, with an option to resume until it expires.

YNAB's refund article states that refunds through Google must be requested within 48 hours of subscribing, using Google's refund request flow at https://support.google.com/googleplay/workflow/9813244.

YNAB also notes that deleting your YNAB account automatically cancels the subscription with Google so you are not charged on the renewal date.

Understand the tradeoff first: YNAB documents this as the path to a prorated annual refund, and it permanently deletes your account and plans rather than just stopping the renewal. (Source: the requesting-a-refund article for the refund policy; the how-to-manage-your-subscription article for the deletion steps.)

If Apple bills you, YNAB says to cancel your subscription with iTunes first so they do not charge you on the renewal date after your account is deleted.

Sign in on the web and click the name of your plan in the top left corner.

Click on Account Settings.

Turn off Two-Step Verification if you have it enabled.

Scroll down to the Delete Account section at the bottom and confirm you'd like to permanently delete the account.

YNAB states that deleting the account automatically ends the subscription and, for annual subscribers, triggers a prorated refund for unused time back to the card originally charged. If it has not processed within ten business days, contact support. Monthly subscriptions are not eligible for refunds.