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Specs
Specs are quantitative aspects of the option such as the price
Pros
Pro Frequent updates
The YNAB team does a great job of offering rapid response times to support requests, listening to user feedback and implementing commonly requested features into the app via frequent updates as well providing live financial workshops on a daily basis at no additional charge. All of these features make the subscription model well worth the cost to me.
Pro Free trials available
YNAB lets you try it's software free for just over a month. This gives you a bit of flexibility when doing a monthly budget - 4 extra days to review your budget and determine whether YNAB helped out enough to justify the $5 price.
If you're a student, you can get an additional 12 months for free (for a total of 13 months) and after that you can get 10% off yearly subscriptions.
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Cons
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