# BabySteps: Hit Financial Goals — user reviews > 51 indexed App Store user reviews of BabySteps by The Lampo Group Incorporated, rated 3.18/5 from 270 ratings. - Source: https://appshunter.io/ios/app/babysteps-hit-financial-goals/id1465955588/reviews - App overview in markdown: https://appshunter.io/ios/app/babysteps-hit-financial-goals/id1465955588.md - Rating breakdown: 5★ 115 · 4★ 24 · 3★ 19 · 2★ 19 · 1★ 93 ## 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 ## Newest reviews (17 of 51) ### 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 ### 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. ### 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! ### 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. ### 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! ### 2/5 — Baby step 6 *2021-04-06, version 2021.01.29* It would be beneficial for Baby Step 6 to have the same tracking feature as Baby Step 2. Please add this feature to the update. ### 3/5 — Please Make It Unlinkable from EveryDollar *2021-02-26, version 2021.01.29* It’s a fine app, but when it got linked up to my EveryDollar app, it messed my amounts up and won’t let me delete debt that I already paid for next month. Just sticking to EveryDollar would be more beneficial to me. ### 1/5 — This should not force links to EveryDollar *2021-02-24, version 2021.01.29* The idea of this app is great, but there should be a way to unlink debt from the EveryDollar app. The fact that once it’s linked you cannot unlink the two app is annoying and a little presumptuous to think you know what’s best for me. Dave talks about not wanting government to control his life and the inability to unlink step 2 when you pay for Ramsey plus really upsets me. The linking is screwing up my budget. For example if I find money not budgeted in order for it to be clean across the app I have to add it as unplanned income and then update debt in two locations. The place I pay it out of budget and then the balance on the baby step app. If I update just babystep app with balance the EveryDollar doesn’t like it. Just let me unlink ### 1/5 — From free to $130 *2021-02-24, version 2021.01.29* Been using debt pay off and ever dollar budgeting for over 3 years. Now I cannot access my debt snowball information without subscribing to the $130 service, and my accounts no longer link in every dollar. Time to find a new tracker and where I’ll have to input the information all over again. Disappointed in a person who values smart financial decisions deciding to charge so much for an app to help people who are already in debt. Losing interest in this organization altogether since it appears they’re just in it for the money. ### 3/5 — Purchase options *2021-01-23, version 2020.12.03* Would be nice to be able to pay $X for just this app vs having to pay $129 for Ramsey+ In fairness, I didn’t get to try the app since I’m not subscribed to Ramsey+ so I’m not sure how it operates. ### 2/5 — Extremely basic *2020-12-28, version 2020.12.03* After hearing about this app on the Dave Ramsey show, I expected more. There’s no way to model scenarios or show how a bonus will impact your baby steps. I do like the integration with the budgeting app. ### 1/5 — Too much money *2020-11-13, version 2020.10.29* The $129 is out of control. When 98% of your client base is people trying to pay down debt and be fiscally responsible, yet you want to charge $129 a year? At least give an option of different payment plans, maybe monthly subscription that gives us a chance to cancel earlier. I would be glad to may a small fee to use just this app every month. This is the only thing I need from DR. The app needs a lot of work as is anyways. Dont be tempted to waste your money. Put the $129 towards debt instead! ### 2/5 — Unlink in every dollar! *2020-09-25, version 2020.09.10* Please make it optional to link to every dollar! I’m making extra loan payments that don’t come from my income and auto populating the debt is messing up my budget in every dollar. ### 2/5 — Great app but... *2020-09-10, version 2020.08.24* I really enjoyed this app until my free trial ended. It made me excited about paying my debt off and moving on in my debt free journey. I also enjoyed having an app instead of a spreadsheet but I guess I’m back to the spreadsheets. $129 a year is not worth it maybe a flat purchase price, that is reasonable, would be nice. ### 1/5 — Please cancel connection to Every Dollar App *2020-09-09, version 2020.08.24* Please cancel the connection for this app with the ED App. It has really screwed up my information. Yes, some of the error was mine (or I had put a second mortgage into credit debt area) but this completely screws up all of my new and past info. I’m so frustrated I can’t expound here but please have someone take a look and fix this. ### 3/5 — Loved the app *2020-09-08, version 2020.08.24* I loved this app, but really wish there were a way to get it without subscribing to everything. Every Dollar didn’t work with my bank, so it didn’t make sense to pay for Smart Dollar. I would pay a few dollars a month just for just this Baby Steps app if that were an option!! ### 1/5 — Let me buy the app! *2020-08-17, version 2020.08.06* I can’t afford Ramsey Plus so I did the free trial. Free trial is over so I can’t use this app but the debt snowball is so motivating! I wish there was a way to buy access to just this app. I’d give it 5 stars if I could have access to use it for my debt free journey. Please consider it! ## Most critical reviews (10 lowest-rated) ### 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!!! ### 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. ### 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 ### 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. ### 1/5 — I used to love it *2021-07-19, version 2021.04.06* But now that they have switched to Ramsey+ and denied me the access to access to BabySteps without buying the full (ridiculous price) when I already pay monthly for EveryDollar. I had to delete it, now I can’t access the amounts of debt left to pay or anything. I will have to start over. I’m going to have to find a different way to keep track of my daily expenses monthly goals and debt tracking. Might even cancel my subscription to EveryDollar as well because BabySteps was the reason I signed up forEveryDollar. Very disappointed and upset that they’re forcing their current users to fork out a ridiculous amount of money, not that it comes with 1 on 1 training or a personal financial assistant to help figure things out INDIVIDUALLY. Not watch a video and expect it will work for everyone **Developer response:** Hi! We appreciate you taking the time to submit this feedback. We would love to discuss Ramsey+ and all the features included within the membership more in depth with you to better assist you. If you'd like please send an email to help@ramseyplus.com! Thank you! ### 1/5 — Dave Ramsey has lost me *2021-05-18, version 2021.04.06* You should not yank the carpet out from under people who paid for FPU already by making the apps annual subscription only. $129 a year is crazy expensive for app usage. I don’t need the entire program over and over and there is no other option. It’s all or nothing. Just another disappointing business decision taking the shine off a great program. ### 1/5 — American Greed at its finest *2021-04-19, version 2021.01.29* The app is great, I love the functionality and display. It is rather rewarding to see your debt decrease visually. However for someone who preaches to cut out everything and live on beans until you get out debt, requiring a yearly subscription of $129 is just plain greedy. I understand Dave has a business to run and apps don’t run for free, but if you already shelled out $100 to do FPU why should you then have to pay an annual fee for the use of his products. Overall disappointing news from Dave Ramsey. ### 1/5 — Required Paid Subscription *2021-03-10, version 2021.01.29* Didn’t know before I downloaded and setup an account that I would need to pay over $150 to become a member in order to use the app ### 1/5 — App doesn’t work *2021-03-06, version 2021.01.29* I just downloaded the app and it won’t let me open the free version without setting up the paid version. Not sure if it’s a glitch or just a way to get the user to automatically upgrade? ## Most praised reviews (10 highest-rated) ### 5/5 — Excited for tomorrow *2020-09-12, version 2020.09.10* I can relate to most things within the Dave Ramsey message. I guess for a lot of the naysayers they’ve never visited quite as hard of a rock bottom as they potentially could. Everything within all the apps isn’t perfect. Neither are we humans. We make it work with want to and a smile. I’m very happy with everything Dave and team have and continue to put together for us all. Happy with all functions of the app ### 5/5 — Greatest App *2020-03-31, version 2020.03.25* I recently started the baby steps after reading Total Money Makeover and I was wishing for an app like this! If you want to get out of debt, USE THIS APP! I’ve been sharing it with all my friends who weren’t willing to read the book or take the course. If you follow the steps, I swear this will save your life! ### 5/5 — Baby Steps - Making Strides *2020-02-22, version 2020.02.19* The Dave Ramsey Company, their tools and resources are a must have!!! This is a new app but I love the reasoning and purpose of it. . . ### 5/5 — Inspiring App that works! *2020-02-21, version 2020.02.19* Our family can’t live without this app as we go along with the baby step process! It’s fun, informative and inspires us every time we open it. ### 4/5 — Decent app, but often have to log back in *2021-02-23, version 2021.01.29* Decent app, but the app seems to log me out often. I’ll be previously logged in, but when I relaunch app it will ask for credentials again. The every dollar app doesn’t seem to have this issue. ### 4/5 — Great way to not get lost in your debt but have 1 suggestion. *2020-10-30, version 2020.09.28* I think it would be really useful if the baby steps app provided notifications to us during the week to remind us where our debt is in what is the top priority date without opening the app. I open the app about every two weeks because that’s when I get paid. Most apps do use notifications to keep the user aware of what’s going on. And for those that don’t want to notifications you can simply disable them in settings for the given certain app. Just my two cents, great app overall! ### 4/5 — Useful *2020-07-22, version 2020.06.22* I do like the app so far. Very simple. I’m only on BS2 but I’d love to see a graph showing the balance changes over time. It would help keep me (and others!) more motivated I think. ### 4/5 — portrait only? *2020-07-03, version 2020.06.22* i just “upgraded” to Ramsey+ but now it doesn’t seem to switch to landscape view when i have my iPad turned that way (which is most of the time) ### 4/5 — Awesome App *2020-06-22, version 2020.06.15* This app is great! I would give 5 stars but the app doesn’t allow for $0 minimum debt payment even though I have loans with no minimum payment so I’m forced to put a penny in which syncs to the EveryDollar app and screws up my monthly budget. Other than that great app guys. ### 4/5 — Checkbox needed! *2020-06-03, version 2020.05.29* I love the app, but there’s no way to tell which dents I’ve already made snowball payments on for the month. If there was a checkbox beside each debt or a monthly progress bar similar to the one EveryDollar uses, that would be amazing! --- *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.*