I'm a massive advocate for YNAB and it has improved my financial life so much. Definitely worth the subscription.
But if it didn't have the syncing feature, it would easily be one of the first subscriptions I would eliminate. Instead of being a chore I do once or twice a month, I instead check in on all my accounts for a couple minutes every morning and know exactly where my finances stand. It allows me to have multiple credit cards and bank accounts for various different situations and not have to worry. Budgeting only money in my accounts is such a better system than trying to guess how much money I think I might have later.
Accounts that do not work with it usually actually aren't worth using. My Apple card is a massive manual pain with YNAB, but with my other cards it is only ever worth using for interest free and 3% back on Apple purchases, which aren't that often.
But if it didn't have the syncing feature, it would easily be one of the first subscriptions I would eliminate. Instead of being a chore I do once or twice a month, I instead check in on all my accounts for a couple minutes every morning and know exactly where my finances stand. It allows me to have multiple credit cards and bank accounts for various different situations and not have to worry. Budgeting only money in my accounts is such a better system than trying to guess how much money I think I might have later.
Accounts that do not work with it usually actually aren't worth using. My Apple card is a massive manual pain with YNAB, but with my other cards it is only ever worth using for interest free and 3% back on Apple purchases, which aren't that often.