YNAB (You Need A Budget) offers a subscription service for budgeting that you can try free for 34 days without giving credit card info. They have two main plans: an annual plan costing $109 per year or a monthly plan at $14.99 each month. One subscription lets you share the service with up to six people, like family or partners. If you're using YNAB, you might see a charge for this subscription which covers access to their budgeting tools and features like syncing, goal-setting, and debt management.
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The cancellation process for YNAB subscription is straightforward through their web app by going to Account Settings and clicking the Cancel Subscription button. The instructions are clear and accessible, but a slight difficulty is that it cannot be done through the mobile app, requiring access to a computer or a workaround on mobile.
Estimated Time
On average, it takes 10 minutes 00 10 minutes to cancel a YNAB subscription.
How to Cancel YNAB: Step by Step
If you purchased through YNAB's website:
- Log in to your YNAB account.
- Click on your plan name located at the top of the left sidebar.
- Select Account Settings.
- Scroll down and click the Cancel Subscription button.
If you purchased through Google Play:
- Open the Google Play Store app on your Android device.
- Tap the Google ID image in the upper right corner.
- Select Payments and Subscriptions.
- Tap on Subscriptions.
- Find and select your YNAB subscription.
- Tap Cancel subscription and follow the prompts.
If you purchased through the Apple App Store:
- Open the YNAB mobile app on your iOS device.
- Go to Settings.
- Select Manage Subscription in iTunes.
- Follow the prompts to cancel your subscription.
If you need assistance, here's how you can get in touch with YNAB's support team.
Tips and Tricks for Getting a YNAB Refund
- Do not provide reasons for cancellation; simply state you want to cancel with no justification to avoid giving the company any leverage.
- Initiate cancellation well before the next billing cycle, preferably a few weeks in advance to avoid unexpected charges.
- Persist politely but firmly: if initially denied, escalate the request by asking to speak with a supervisor or higher-level support.
- Use clear, direct language: "I want to cancel my subscription effective immediately. Please confirm the cancellation and stop all future charges."
- Prepare for pushback with discount offers or retention pitches; reiterate that you do not wish to continue regardless of offers.
- Keep records of all communications, including dates, times, and names of representatives spoken to.
- Use multiple contact methods if needed: email, phone calls, online chat, or official support forms.
- If online cancellation is difficult or glitchy, try accessing the account from a web browser rather than mobile app or seek help through support channels.
- Grey rock approach: remain emotionless and unengaged with retention attempts to reduce attempts to persuade you to stay.
- If all else fails, consider payment method control: blocking or cancelling the payment method as last resort (though this can have risks).
Why Do People Request Refunds from YNAB
- Protest against price increases and perceived price gouging.
- Subscription cost too high compared to value received and alternatives like Mint or spreadsheets.
- Frustration with subscription model preferring a one-time purchase instead.
- Budgeting feels overwhelming or too much work for some users.
- Users fall off their budget plans and lose motivation or see it as failure.
- Feeling behind and overwhelmed due to backlog of budget updates.
- Immediate wants conflict with budget plans, leading to frustration with "no" answers.
- Manual data entry is tedious for users with many transactions.
- Dislike of forced automatic transaction importing fees included in prices.
- Concerns about long term affordability after steep price hikes.
- Preference for reliability and data privacy but dissatisfaction that it comes at a high cost.
- Some users switch to free or cheaper budget alternatives due to dissatisfaction with cost and complexity.
- Users want to "vote with their dollars" to influence company policies.
YNAB Refund Script
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Dear YNAB, Support,
I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience.
Thank you for your attention to this matter. I look forward to your prompt response.
Best regards,
YNAB Refund Policy
YNAB's cancellation policy allows users to stop future subscription charges by canceling through their web app account settings or the platform where the subscription was purchased (Apple App Store or Google Play). They retain access until the end of the billing cycle after cancellation. For annual subscriptions paid after the 34-day free trial, deleting the account entitles users to a prorated refund for unused time, but monthly subscriptions do not receive refunds. Refunds and cancellations for third-party purchases follow the respective platform's policies.
The Easiest Way to Get a YNAB Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from YNAB—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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