Budgeting

A budget that fits how you actually spend

Set budgets by the month or by the year, see where your money goes, and know what's left, all in the same app as your accounts and investments.

Monthly and yearly budgets

Most costs come every month. Some, like insurance, travel or gifts, come once or twice a year. Give each category a monthly or a yearly budget, and choose whether a monthly budget's unused money rolls over to next month.

October budget: income $7,980, expenses $6,694, cash flow up $1,286, with $1,613 saved (20%) and $6,694 spent of a $6,670 budget. October budget: income $7,980, expenses $6,694, cash flow up $1,286, with $1,613 saved (20%) and $6,694 spent of a $6,670 budget.

Budget: your month at a glance

See where your money went, and how it's changing

Your budget shows income, spending and what's left, by group and by category, along with your top merchants. Switch between months, quarters and years to compare income and spending over time. Open any group or category to see how it compares with last month, last quarter or last year.

Monthly targets by group: housing $2,556 of $2,600, bills $380 of $450, food $726 of $1,000, shopping $867 of $700 ($167 over). Monthly targets by group: housing $2,556 of $2,600, bills $380 of $450, food $726 of $1,000, shopping $867 of $700 ($167 over).

Budget groups: what's left in each

Bills and subscriptions, before they land

Stridefly spots payments that repeat, like rent, utilities and subscriptions, and asks you to confirm them. Confirmed ones show up in a This week card on your budget, with the days they're expected and a range for what each should cost, and in one list of everything that repeats. It shows how much your bills and subscriptions come to in a month, and when a bill moves up or down from last time.

This week card on the Budget tab: a week of days with dots on the days payments are expected, then three monthly bills with the range each is expected to cost and how much it moved from last time. This week card on the Budget tab: a week of days with dots on the days payments are expected, then three monthly bills with the range each is expected to cost and how much it moved from last time.

Recurring: this week's bills

Recurring list: 15 new payments to confirm, the monthly total for bills and subscriptions, then bills due this week and later. Recurring list: 15 new payments to confirm, the monthly total for bills and subscriptions, then bills due this week and later.

Recurring: everything that repeats

Goals you can watch grow

Set a savings goal, such as an emergency fund or a down payment, with a target amount and, if you like, a date. Choose the accounts the money sits in, and Stridefly shows how much you've saved, how much is left to go and how far along you are. If you set a date, it shows about how much to put away each month to get there.

Goals: saving toward 2 goals, $17,900 of $29,500 (61%), with an Emergency fund at $15,500 of $25,000 and a Summer trip at $2,400 of $4,500. Goals: saving toward 2 goals, $17,900 of $29,500 (61%), with an Emergency fund at $15,500 of $25,000 and a Summer trip at $2,400 of $4,500.

Goals: savings and trips in one list

Summer trip event: 254 days to go, $2,400 saved of $4,500, $2,100 to go and $233 needed each month. Summer trip event: 254 days to go, $2,400 saved of $4,500, $2,100 to go and $233 needed each month.

Trip event: days to go and what to set aside

Summer trip spending of $1,400 so far: Airfare $620, Hotels & Lodging $540 and Car Rental $240, with $2,400 saved in Vacation Savings. Summer trip spending of $1,400 so far: Airfare $620, Hotels & Lodging $540 and Car Rental $240, with $2,400 saved in Vacation Savings.

Trip event: spending against what you saved

A bigger month, and a way to cover an overspend

Planning a trip month or a big December? Set an amount for that one month and your usual budget stays as it is. When a category runs over, move unspent money from another category to cover it. The move applies to the current month only, and your total budget stays the same.

Shopping category at $866.77 of $900, with a one-month amount of $900 for October, shown above months of spending. Shopping category at $866.77 of $900, with a one-month amount of $900 for October, shown above months of spending.

One-month amount: a bigger or smaller month

Cover overspend sheet: Shopping is $167 over this month, with a list of categories to move money from, such as Food & Dining with $274 left, each showing what it has left, and an amount to move. Cover overspend sheet: Shopping is $167 over this month, with a list of categories to move money from, such as Food & Dining with $274 left, each showing what it has left, and an amount to move.

Cover overspend: move money from another category

Your categories, your way

Create categories and groups that match how you think about money, and set rules so purchases from the same place always land in the right one. Keep some out of your budget, like business expenses, taxes or a rental property, and they still appear in their own section, so nothing gets lost. Money you move between your own accounts isn't spending, so transfers stay out of your budget too. Transactions →

Questions about budgeting

Can I compare this month with last month or last year?

Yes. Switch between months, quarters and years, and open any group or category to compare it with the period before.

Can I set a yearly budget?

Yes. Give any category a yearly budget instead of a monthly one.

Does unused budget roll over?

Yes, when you turn on rollover for a category.

Are transfers counted as spending?

No. Money you move between your own accounts isn't counted.

Can I budget without connecting my bank?

Yes. Add transactions by hand, or import them from a CSV file.

Join the private beta

Stridefly is in private beta. We invite people in small groups, starting in November. Once you're in, you can look around with sample data before you add anything, no account needed.

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