# BabySteps: Hit Financial Goals — Track Savings & Debt Snowball

> Financial goal tracking app using debt snowball and 7 Baby Steps. (iPhone/iPad app by The Lampo Group Incorporated.)

- Source: https://appshunter.io/ios/app/babysteps-hit-financial-goals/id1465955588 (this page in markdown: same URL + `.md`)
- Developer: [The Lampo Group Incorporated](https://appshunter.io/developer/380709890)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 3.18/5 from 270 App Store ratings · 51 written reviews indexed
- Age rating: 4+
- Requires: iOS 10.0 · 128 MB
- Released: 2019-12-18
- Data updated: 2026-06-10
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/babysteps-hit-financial-goals/id1465955588/reviews.md

## What is BabySteps?

Paying off debt doesn’t have to take as long as you think! It’s time to take your money back—and the BabySteps app shows you the fastest way to do it.
 
Got some credit cards? What about student loans or car payments? (Maybe you’ve got a little bit of everything.) Hey, that’s most people. But you don’t want to be “most people.” With the BabySteps app, you’ll track all your payments in one place and take them out one by one using the powerful debt snowball. 
 
But once those debts are history, what’s next? Your money is finally freed up to do what YOU want it to. And the BabySteps app helps you track your money for the long haul. You’ll work through Dave Ramsey’s 7 Baby Steps, the step-by-step playbook with money that’s helped millions go from “I can’t do this” to “I just did that!”
 
Pay off debt. Build an emergency fund. Save for a down payment on a home. Invest for your future. Watch your confidence with money grow as you reach one goal after another. 

TRY RAMSEY+ TO GET THE APP
So, first things first. To access this app, you’ll need to be a member of Ramsey+. (SmartDollar members—you’re already good to go!)

Wait, why not just the BabySteps app? Well, if you want to hit a big money goal (like paying off debt), tracking your progress is just one part. You’ve got to tackle your mindset AND your habits. That’s where Ramsey+ comes in. All three of our apps work together to help you make better choices with money every single day. All those small wins add up to BIG results in your bank account and better habits that get you to your goals faster.

You also get access to:
• EveryDollar –  Take control of your spending so you can put more money toward your goals with our easy-to-use budgeting app. 
• FinancialPeace – Learn the practical know-how about saving, paying off debt, and building wealth you can start putting into practice TODAY.
Not a member of Ramsey+ yet? No problem. Start your FREE TRIAL at ramseyplus.com.

KEY APP FEATURES
Follow our simple money plan:
• Learn Dave Ramsey’s 7 Baby Steps.
• Find out which Baby Step you’re on.
• Work the Baby Steps to pay off debt, save for emergencies, and build wealth.  
 
Track your debt payments using the debt snowball method:
• Discover the date you’ll be totally debt-free. 
• Pay off one debt at a time, smallest to largest. 
• Find out how much faster you can be debt-free by adding extra money to your monthly payments. 
• Throw a digital snowball at your debt every time you make a payment. Boom. It feels good to hit back. 

Track your savings:
• Get tips on how to save money faster and establish an emergency fund.
• Flip some digital coins into your piggy bank. Literally. 
• Watch your savings account grow—along with your motivation.

Watch in-app coaching from finance experts:

• Dave Ramsey lays out the facts about debt and saving.
• Rachel Cruze gives budgeting tips to reach your goals faster.
• Chris Hogan shows you why an emergency fund is a must-have.
• Ken Coleman dishes out career advice that works at every Baby Step.
 
Take the app anywhere:
• Track your progress on both desktop and mobile.
• Sync with your EveryDollar budget to update your debt snowball in real time.

Privacy Policy: https://policies.ramseysolutions.net/privacy-policy
Terms of Use: https://policies.ramseysolutions.net/terms-of-use

## Key features

- Follow Dave Ramsey's 7 Baby Steps
- Track debt payments with debt snowball
- Calculate debt-free date
- Track savings goals
- Build emergency fund
- In-app financial coaching

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Ramsey Plus | $129.99 | per year |


## What do users think of BabySteps?

Overall sentiment: negative

**Pros**

- 👍 Motivating debt tracking
- 💡 Visual debt reduction
- 👍 Integration with EveryDollar
- 👍 Ramsey tools are fantastic

**Cons**

- 💰 High subscription cost ($130/year)
- 💸 Forced into expensive Ramsey+
- ❌ No free basic option
- 🤔 Yearly subscription is inconvenient
- 💸 Expensive for app usage
- 👎 App requires paid subscription to use
- 💸 $129 a year is ridiculous
- 💸 Too much money for app
- 👎 App is useless without subscription
- 👎 Free trial ends, app becomes unusable
- 👎 App clears progress regularly
- 👎 Disappointing shift from free to paid

**Commonly reported bugs**

- Invalid email verification address
- App no longer updating automatically
- App requires purchase again after buying
- Lost access after subscription ended
- App doesn't update credit card debts
- Cannot unlink debts from Baby Steps app
- App requires paid subscription to use
- App won't let me open free version
- App messes up EveryDollar amounts
- App wants to make me purchase again
- App logs out often
- App clears progress regularly
- App doesn't connect to EveryDollar
- App says I don't have EveryDollar Plus
- App doesn't let me past subscription page
- App doesn't sync with EveryDollar account

**Most requested features**

- Allow monthly payment for subscription
- Option to purchase app separately
- Add Baby Step 6 tracking feature
- Make app unlinkable from EveryDollar
- Add notifications for debt reminders
- Include charged-off debt
- Add Baby Step 3b
- Allow $0 minimum debt payment
- Checkbox for monthly snowball payments
- Graph showing balance changes over time
- Manually fix un-updating credit cards
- Model scenarios or show bonus impact
- Link accounts to each debt
- Split payments between principal/interest/fees
- Add 'inactive debt' option
- Add next payment due date for inactive debt
- Support landscape view on iPad

## Recent user reviews (10 of 51)

All indexed reviews: https://appshunter.io/ios/app/babysteps-hit-financial-goals/id1465955588/reviews.md

### 3/5 — Helpful but needs help

*2023-06-14*

The Ramsey tools are fantastic and I am really enjoying them, but this specific app is missing the content under "for me."  It should be linked to the listed learning videos(?) I think but it's not linked to anything. Interested in watching whatever is supposed to be here, so please fix. Thanks

### 1/5 — Invalid address

*2022-12-11, version 2021.04.06*

When downloading the app, you’ll receive a email to verify your email address. 
When you hit to continue, you receive an error message stating invalid address. 
How can you use/get out of debt, when the app is faulty!!!

### 3/5 — No longer updating

*2022-09-19, version 2021.04.06*

This version is no longer updating to snowball my debts automatically with Every Dollar. I am now having to calculate on my own.

### 1/5 — The app doesn’t match Dave’s teaching

*2022-08-12, version 2021.04.06*

The app used to be helpful but now we have to go more into debt to pay for a dumb $130 subscription because you can’t add a transaction on your debt snowball without a subscription. I can find another way to budget if that’s what you guys want And from the reviews a lot of people are upset about the subscription. I’m going to delete my account.

### 3/5 — Yearly Subscriptions are bad

*2022-04-20, version 2021.04.06*

I wouldn’t mind paying for the subscription if it allowed me to pay monthly. Even having a higher monthly payment would be better than having to drop $130 a year and having to remember to budget that in the right month.

**Developer response:** Hello! I apologize for the trouble. For issues concerning the membership options, please visit help@Ramseyplus.com, and we will be happy to help!

### 1/5 — $130 to help you track getting out of debt??

*2022-04-03, version 2021.04.06*

Dave Ramsey has become such a con artist. Don’t waste the hundreds and hundreds of dollars on his stuff. There are plenty of free alternatives out there. This app was cool when it was free now I can’t even have a basic free option. No thanks, that $130 will go to debt and I’ll find a free one

### 2/5 — Had to cancel this

*2022-02-11, version 2021.04.06*

No matter what I did it would not update some of my credit card debts so my EveryDollar budget was always out of whack. And I tried everything. I’m not new to this I’ve been using EveryDollar for over two years. And I thought-great! it’ll check my credit card things for me and I don’t have to go redo it manually every month. But it didn’t update from like two months ago and every time I go to update it it shows the correct information but did not transfer it to EveryDollar. So I had to delete it so that I can get the right amounts so they can properly plan. And there’s no way to manually fix it. If there was a way for me to override it I’d be OK it works for almost every credit card. But not all of them and that’s a flaw

**Developer response:** Hi Jane! Thanks for taking the time to submit this review. We're sorry to hear about the trouble. If you'd ever like us to see how we could help get the tool working better for you, we'd be happy to. To do so, please submit a request regarding this issue to help.ramseyplus.com.

### 1/5 — Frustrating

*2021-12-01, version 2021.04.06*

They should have an option to unlink our debts from the baby steps app. This app makes the EveryDollar app harder to use. I want to be able to manage my debts with my budget in one app. It’s so frustrating. Like I want to budgets my debts but I don’t want to use the baby steps app to do it.

### 1/5 — Don’t waste your money.

*2021-10-08, version 2021.04.06*

Purchased it and every time I try to go into the app it wants to make me purchase it again. Even when I click subscribe it says I already purchased then it gives me an error. Spent $129 on something I can’t use. Fix this problem Dave Ramsey.

### 3/5 — Lost access to this app after subscription ended

*2021-10-04, version 2021.04.06*

I have already purchased the Ramsay plus account but it’s only good for a year. I have already watched all the videos in the program so I don’t need to subscribe again. I am bummed that I no longer have access to this tracking tool since it takes longer than a year to become debt free. There should be an option to purchase this app without having to purchase access to the whole program again.

**Developer response:** Hi! Thank you for taking the time to submit that feedback. There are several subscription options available you might be interested in. Please send an email to help@ramseyplus.com and we'd love to discuss this further with you!

## Frequently asked questions about BabySteps

### What does the BabySteps app do?

The BabySteps app helps users pay off debt and track savings goals using Dave Ramsey's 7 Baby Steps financial plan. It utilizes the debt snowball method to prioritize debt repayment and provides tools to monitor progress towards financial milestones like building an emergency fund and saving for a home.

### How do I access the BabySteps app?

To access the BabySteps app, you need to be a member of Ramsey+. SmartDollar members already have access. If you are not a member, you can start a free trial of Ramsey+ at ramseyplus.com.

### What is the debt snowball method?

The debt snowball method is a debt reduction strategy where you pay off your smallest debts first while making minimum payments on larger ones. Once a small debt is paid off, you roll that payment amount into the next smallest debt, creating a 'snowball' effect that accelerates debt repayment.

### Can I track my savings with this app?

Yes, the app allows you to track your savings. It provides tips on how to save money faster and helps you establish an emergency fund. You can visually track your savings account growth, which can help boost motivation.

### What are the 7 Baby Steps?

The 7 Baby Steps are a step-by-step financial plan created by Dave Ramsey designed to help people get out of debt and build wealth. The app guides users through each step, which typically includes building a starter emergency fund, paying off all debt, saving for a full emergency fund, investing for retirement, and saving for children's college funds.

## Version history (last 1 release)

### 2021.04.06 — 2021-04-23

App store updates and background improvements.

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## More apps by The Lampo Group Incorporated

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All apps by The Lampo Group Incorporated: https://appshunter.io/developer/380709890

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*