YNAB Premium

YNAB Premium adds the ability to link investment and retirement accounts for a consolidated net worth view alongside the standard monthly budget, bridging day-to-day spending control with long-term financial tracking. The standard YNAB subscription focuses exclusively on cash-based envelope budgeting. Premium is aimed at users who want investment tracking without switching to a separate tool like Personal Capital or Mint.

Yes, YNAB's account-linking provider (Plaid) supports connections to major brokerages including Fidelity, Vanguard, Charles Schwab, and others, allowing Premium users to pull investment balances into their net worth dashboard. The investment data is typically read-only and updates on a sync schedule rather than in real time. Some smaller brokerages may not be supported through the linking system.

YNAB's direct import feature relies on Plaid, which has limited support for non-US banks and brokerages, so international users may not be able to auto-link all their accounts. Manual entry and manual balance updates for investment accounts remain available regardless of location. Users in Canada, the UK, and Australia generally have partial bank-linking support but limited investment-account options.