1Export your data first
On the web, click your plan name in the left sidebar and choose Export Plan. You get your plan and every transaction as CSV files.
2Cancel where you pay
Web subscriptions are cancelled in YNAB. App Store and Google Play subscriptions are cancelled in the store.
3You keep access until the period ends
YNAB stays open until the end of the period you paid for, and you can resume until then.
4Your data is deleted later
If the subscription stays expired past YNAB's retention period, your data is deleted. YNAB says it reminds you first.
Frequently asked questions
Can I get a refund from YNAB?
YNAB says deleting your account after paying for a year gets a prorated refund. App Store purchases follow Apple's refund rules.
Can I come back to YNAB later?
Yes. Resubscribe to restore your plan, as long as your data has not been deleted yet.
Further reading
YNAB: How to manage your subscription ↗YNAB: How to export plan data ↗YNAB: Cancellation and refunds ↗Apple: Cancel a subscription ↗Educational examples, not individual financial advice.