Looking for a YNAB alternative?

A budget that runs on targets

If YNAB taught you to budget, you already have the habit. Stridefly is built for what comes next: set a target for each category and see what's left, without assigning every dollar. Once you have a full month of spending, Stridefly suggests a monthly budget from your recent months, which you can use with one tap or replace with your own.

• Budgets by category, monthly or yearly, with unused money rolling over when you want it to.
• Big bills that come once or twice a year, like insurance or gifts, get a yearly budget instead of a monthly one.
• When a category runs over, move unspent money from another category to cover it.
• Planning a bigger month? Set an amount for that one month and your usual budget stays as it is.
• Your own categories and groups, set up the way you think about money.
• Recurring bills and subscriptions, with what's due this week, a range for what each should cost, and a note when one goes up.

Less upkeep every week

Connected accounts update on their own, so their balances don't need reconciling by hand. Set a rule once and it sorts new transactions as they arrive; apply it to past ones when you choose, and a category you set by hand is never overwritten.

• Split a purchase across categories.
• Keep a reimbursed expense out of your budget with one switch, and tag it so it's easy to find.
• Transfers between your own accounts aren't counted as spending.

Goals you can watch grow

• Goals for an emergency fund, a home, a car, a wedding, education or paying off a debt, each with a target and, if you like, a date.
• Choose the accounts the money sits in, and see how much you've saved, how much is left and how far along you are. With a date, Stridefly shows about how much to put away each month.
• Trip goals that count down the days, track what you've saved and show what you spend while you're away.

Graduate to investing

Your budget shows what you saved. Stridefly also shows where it went, and helps you plan what's next.

• One net worth across checking, savings, cards, brokerage, retirement, HSA, 529, your home and your loans.

• Every position across your brokerage and retirement accounts, with a stock or fund you hold in more than one account added up to one total.
• Your allocation by asset class, targets you set, how far you've drifted, and a rebalance plan with buy and sell amounts. It's arithmetic against your numbers, not advice.
• A watchlist that alerts you when a price reaches your target entry price.
• Your dividends and interest in one Income view, and a Tax Center you can turn on to estimate tax on your gains and dividends using the tax rates you set.
• All your investment activity across every account, in one list.

Read more: Budgeting in Stridefly Net worth in Stridefly Investing in Stridefly

Bring your history with you

If YNAB lets you export your transactions as a CSV file, you can bring them into Stridefly. Stridefly reads any transactions file with a date, an amount and a description or payee column, flags possible duplicates for you to review, and lists any rows it can't read, so nothing disappears quietly.

Stridefly sorts imported transactions into its own categories and runs your rules on them, so they count in your budget right away. You can also import positions and month-end net worth history from CSV files, so your charts show your past from day one.

Try it free before you move

Run Stridefly side by side with the app you use now, and switch when you're sure. When you connect your first bank, you get 30 days free, with no payment details needed: long enough to see a full month of your own bills and paychecks come through. During the beta, everything is free for testers.

Accounts you add by hand or import from files are free for as long as you like. Not ready to add anything? Demo mode loads a sample household, so you can look around first, with no account to make.

Safe and private

You connect your banks through Plaid, which more than 9,000 financial apps use, and you sign in with Apple. Your financial data is saved on your phone and in your own iCloud, not in a database of ours, and you can export a copy whenever you like. How Stridefly keeps your data safe