Your money, sorted.
NZ personal finance app, track spending, set goals, stay on track without spreadsheets
The personal finance app that answers real money questions, without spreadsheets or guesswork. Built for New Zealand.
Good afternoon
Samuel
Safe to Spend
$420.00
Account balance
$3,850.00
Spent today
$65.00
Weekly Pul$e
6 items to review
Budgets
Ask Steady anything
Chat naturally with your finances. Get instant, personalised answers based on your real spending data.
Try one
Steady AI
Online
Demo preview. In the app, answers come from your real transactions.
Your AI, your way
Pick the coach that fits you
Steady's AI has a personality, choose the tone that keeps you on track. Switch anytime.
Aroha
The hype friendCelebrates every win, big or small, and keeps you feeling like a financial superstar.
“You stayed $80 under your grocery budget this week, that's THREE weeks running. You're on fire!”
Koa
The calm guideBalanced and thoughtful. Just the facts, with gentle encouragement, never judgmental.
“You've got $342 safe to spend before payday. Rent and power are already set aside, so you're on track.”
Tane
The straight shooterNo sugar-coating. He'll call out the impulse buys and keep you honest, always with love.
“Fourth Uber Eats this week, mate. That's $112 that could've been in your house fund. Your call.”
Works with your bank
How it works
Up and running in 5 minutes. No spreadsheets, no manual entry.
Connect your bank
Securely link your NZ bank accounts in under 2 minutes via Akahu. Read-only access, we never touch your money.
Set your goals
Tell Steady what matters. Holiday fund, emergency savings, or just knowing where your money goes.
Get clarity
Steady analyses your spending, tracks your progress, and answers your money questions in plain English.
Built for how Kiwis actually manage money
Ask Steady anything
Chat with your finances in plain English. 'How much did I spend on food this week?' gets a real answer backed by your data.
How much did I spend on food this week?
$156 across 9 buys. Groceries $94, takeaways $62 — about $23 less than last week.
Safe to spend, right now
One number tells you what's safe to spend this week without breaking bills or goals. Updated live.
Your financial score
One number for how your money is actually tracking, built from your spending, saving and bills. Watch it move as habits change.
Looking healthy
Up 6 since last month, mostly from sticking to your groceries budget.
Akahu-powered bank sync
Read-only connections via FMA-regulated Akahu. Your bank login stays with your bank, Steady never sees it.
Steady
Groceries $412 of $600.
Fuel 20% above usual.
Your bank apps
Countdown$82.40
Z Energy$95.10Forecast the next 90 days
See bills landing, salary arriving, and where you'll end up. Catch problems before they hit.
Car insurance lands 7 Nov. Steady flags it three weeks out.
Goals that track themselves
Set what you are saving for and Steady moves the bar for you as money lands. No spreadsheet, no manual updates.
$180 landed automatically this week. On track for March.
No more surprise bills
Power bill lands bigger than expected, rego's due, suddenly there's no room for groceries. Steady flags what's coming before payday.
Insurance lands before payday. Steady told you three weeks out.
'Can I afford it?', answered
Queenstown weekend, new tyres, birthday dinner, every call feels like a gamble. Ask Steady for a clear number instead of a guess.
Can I do Queenstown this weekend? About $600.
Yes, $640 clear.
Rent and power are covered, and your house deposit still gets its $180.
| Feature | Steady |  |  |  |  |
|---|---|---|---|---|---|
| NZ bank sync | |||||
| AI-powered questions | |||||
| Auto categorisation | |||||
| Goal tracking | |||||
| Safe to spend | |||||
| Recurring bill detection | |||||
| Financial health score | |||||
| Forecasting | |||||
| Investment tracking | |||||
| Built for NZ | |||||
| Free tier |
PocketSmith
Strong forecasting and bank sync. No AI chat. Free plan available; paid from $9.99 NZD/mo billed annually.
mybudgetpal
Booster's free NZ budgeting tool. Daily bank sync, automatic categories. No AI or forecasting.
Sharesies
NZ-built brokerage for shares and KiwiSaver. Not budgeting software.
YNAB
Zero-based envelope budgeting. US-focused, manual entry in NZ. $14.99 USD/mo.
Steady puts automatic bank sync, AI-powered questions, and safe-to-spend clarity in one place, built for Kiwis from day one.
Competitor details checked against each provider's public pricing and product pages, 13 August 2026. Sources and detail on our comparison pages. Spotted something wrong? Email [email protected].
Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees.
Free
The basics, free forever
- 1 bank (CSV upload)
- Spending + bills views
- 1 savings goal
- 1 budget
- 30-day history
- Unlimited friends
Plus
Do more with your money
First 3 months half price
14-day free trial · then:
Half price for your first 3 months, then $12.99/mo
- Unlimited CSV imports (all 6 NZ banks)
- Multi-bank merged view
- Full transaction history
- 200 questions/month
- Unlimited goals & budgets
- Net worth tracking
- 30-day cash-flow forecast
- Weekly Pulse
- Money personality
- Challenges
- Data export
- Founder support line
- 30-day money-back
Family
Everything in Plus, for the whole household
- Plus for up to 5 people
- Shared billing
- Individual private accounts
- Family insights
- Everyone gets their own login and private spending
All prices in NZD, inclusive of GST. Cancel anytime. 30-day money-back guarantee on paid plans.
Yes. We use Akahu, a regulated open banking platform that's trusted by major NZ banks. Your login credentials are never stored by us, Akahu handles all the secure connections. All data is encrypted at rest and in transit using bank-level security.
Steady supports all major NZ banks through Akahu, including ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, The Co-operative Bank, Heartland Bank, and more.
We use Claude, Anthropic's AI, to intelligently categorise your transactions based on the merchant name, amount, and patterns. It learns from your corrections to get more accurate over time.
Yes. Plus and Pro users can export all their transaction data at any time in CSV format. Your data belongs to you.
You'll still have access until the end of your billing period. After that, your account reverts to the Free plan. Your data is never deleted unless you specifically request it.
Steady is a progressive web app that works great on mobile browsers. You can add it to your home screen for an app-like experience. Native iOS and Android apps are on our roadmap.
You can ask natural language questions about your finances like "How much did I spend on Uber last month?" or "Am I on track to save $5000 by December?". The AI analyses your data and gives personalised answers.
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