I think the YNAB mobile app is very functional. It's fairly intuitive and easy to enter transaction data. And it is easy to edit later on (before syncing, if needed--but you do need to do some searching). My wife and I really only use it a tool to capture/record transactions to be later synced with the desktop software. The UI of the mobile app is a bit too big/clunky to effectively use it to manage our spending/budget. We have a good amount of categories and we need to do a lot of scrolling to see the whole financial picture (categories with zero balances still show). Cloud syncing will be a MAJOR improvement as transaction data (for family members) will be close to real time.
I don't sync every night. If you can, more power to you. And I understand the need to approve transactions. My wife, daughter and I went to NY for a long weekend and we did not bring a laptop. After 3 days and no ability to sync, we became a little "out of sync" as a family, financially speaking.*********After I wrote the post, I realized I should have searched for Lemon. Now I see that it has been discussed a lot on here before. But I will leave my discussion about it on this thread because I directly relates to my experience with the mobile YNAB app*************
Is the YNAB team familiar with the Lemon
iPhone app? It is an incredible piece of mobile software that allows one (or a group) to easily and efficiently track spending. First, it's FREE for individual users (there is a $3/month family plan). It has a beautiful UI and transaction data entry/editing is very easy. The app uses the iPhone's camera to scan sales receipts which (after a few minutes) automatically
processes and displays the transaction date, payee, value amount (it even reads handwriting!) and the spending category. It's not perfect--it operates at about 98% accuracy. I scanned about a dozen receipts and only had to change 1 value (it didn't catch the tip I left) one 1 receipt and it didn't categorize another. It was very easy edit. All pictures of the receipts are saved with each transaction. I even liked the categories it chooses (and these are editable, too)--we ended up changing some of our YNAB categories because of this.
I hope YNAB's solution to it's mobile platform moves in this direction. Or that YNAB and Lemon partners up--you would have beautiful babies!!!!!!!
As of now, the wife and I will be using Lemon daily to record, track and monitor
our spending. On the weekends, we use this information and put it in YNAB. What's nice about this process is that it makes us talk/listen to each other about finances. So maybe this is good for the user.