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Astra
3.5
★★★★★
Finder score
Fee
$0 per month
APY
N/A
Minimum deposit to open
$0

Our verdict

Put your finances on autopilot with automatic transfers and budgeting tools.

Astra is an intuitive app that allows you to fast-track your savings goals. It uses automation to enable interaction between your accounts in a seamless way. It allows you to set up dynamic rules to automate transfers between accounts making the process of saving money almost effortless. Astra is also free and at that price point, the app is definitely worth trying. It can be a great way to put your savings on autopilot.

But if you’re looking for a more hands-on approach to your daily cash flow or want greater control over your personal investment accounts, Astra may not be the app for you. Apps like YNAB and Acorns are better options for this. YNAB allows you to track every dollar in your account while Acorns provides a number of investment options.

Pros

  • Send money for free
  • Automate transfers with dynamic rules
  • Quickly connect all of your accounts in one place

Cons

  • Can’t pay bills
  • Transaction limit
  • Can’t connect to PayPal

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

How to sign up

Get started with Astra in six steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the provider site, select App and then Download App.
  3. Enter your phone number.
  4. Download the app on the iOS or Android app store.
  5. Enter your full name, mailing address, date of birth and Social Security number to create a verified account.
  6. Link all your checking and savings accounts by signing into the bank accounts through the app.

How does Astra work?

Astra syncs with over 10,000 financial accounts through Plaid. Once you connect your accounts, you can view all your balances in the Astra dashboard. Astra lets you split your existing bank accounts into virtual subaccounts for your savings goals.

Also, set up automations to automate transfers based on predefined rules. For example, one rule could say, “Starting February 1, 2021, transfer all funds over $1,000 from my Chase checking account to my Marcus savings account on the first of every month.”

If the app tries to make a transfer that will bring your balance below $0, it’ll decline the transfer.

What are the pros and cons of Astra?

Astra is designed to reduce the complexity of your financial life and has these pros and cons:

Pros

  • Automate your transfers. Instead of having to remember to transfer money, Astra does it for you using dynamic automation rules you create.
  • Fast-track your savings goals. Astra allows you to set up savings goals for each of your accounts and track your progress toward those goals.
  • Free to use. Astra is free to use, unlike competitor Oportun that charges $5 a month and Qapital that charges $3, $6 or $12 depending on the plan.
  • Can’t overdraw on your account. If you have a low balance or insufficient funds in your account, the app won’t initiate transfers. You can set up threshold notifications to limit these transfers.

Cons

  • Can’t pay bills. The app only lets you automate transfers between accounts and can’t pay bills to external vendors.
  • Transaction limit. There is a limit of $1,000 per transaction, which is low compared to other apps. For instance, Qapital allows transfers and withdrawals up to $7,000 each day and Stash limits daily transfers to $10,000.
  • Can’t connect to PayPal. You can’t connect your PayPal account to Astra, which could be a drawback if you use it to send and receive money.

Looking for an app with higher transaction limits? Check out our best money savings apps guide to learn more about the apps that make saving easier.

Is Astra safe to use?

Yes, Astra is safe to use. The app links to your accounts through Plaid, an encrypted software owned by Visa. The app also has integrated fraud protection and SSL encryption.

Compare Astra to other budgeting apps

Use this table to see how Astra stacks up against the competition:

Name Product Fee Budgeting Methodology Linked bank account Features Offer
YNAB
Not rated yet
YNAB
$99 per year
The YNAB Method
  • 100+ free weekly online workshops
  • Breakdown of your income and spending
  • Share your subscription with up to six people
Offers a free 34-day free trial
Rocket Money
Not rated yet
Rocket Money
From $0 per month
50/30/20 rule, envelope system or use the Rocket Money app to create your own budget category on your phone.
  • Track subscriptions; get cancellation assistance with premium
  • Receive alerts for low checking balances or high credit spending
Empower Personal Cash
Finder Score: 4.4 / 5: ★★★★★
Empower Personal Cash
$0 per month
Activity-based budgeting
  • Built-in spend tracking and budgeting
  • Unlimited number of monthly transfers
  • Simplify your family finances with a joint account
Tiller Money
Not rated yet
Bonus
Tiller Money
$79 per year
Zero-based Budget, 50/30/20 Budget, Envelope Budget, Values-based Budget and “Pay Yourself First” Budget
  • Flexible budgeting templates
  • Auto-categorize transactions
  • Easily share access to your Tiller spreadsheet
When someone you refer subscribes, they'll automatically get $10 off their annual subscription for the first year, and you'll get a $15 cash commission.
Cushion
Finder Score: 4 / 5: ★★★★★
Cushion
From $0 per month
  • Easy to use
  • Saves time and money
  • Supports a lot of banks
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