Know exactly where you stand
Steady answers real money questions like “Can I afford this?” — without budgeting or spreadsheets.
Managed
Active Users
Rating
Feel Confident
$48 spent today · 7 days
$847
$423
$312
Goals
See allHoliday
Emergency
Car
Recent
Countdown
Groceries
Spotify
Subscription
Sound familiar?
Money anxiety is exhausting
You're not bad with money. You just don't have the right tools.
"Where did my money go?"
You check your account and it's lower than expected. Again.
"Can I afford this?"
Every purchase feels like a gamble because you're never quite sure.
"Why am I always broke before payday?"
Despite earning decent money, there's never enough at the end of the fortnight.
"Am I on track for my goals?"
You have dreams but no idea if your current habits will get you there.
Spreadsheets are tedious. Budgeting apps make you feel guilty. There's a better way.
Try Steady right now
This is a fully interactive demo. Click around, explore features, and see how Steady works—no signup required.
$847.00
$423.00
$312.00
Goals
Recent
Like what you see? Get started for free →
Your Money, Simplified
One glance. That's all it takes to know where you stand.
Goals That Actually Happen
Track progress automatically. No manual updates. No guesswork.
AI That Gets You
Ask real money questions. Get real answers. Instantly.
Insights Without Effort
Steady spots patterns you'd never notice. Automatically.
The App
Beautifully designed. Effortlessly powerful.
Every screen crafted to give you instant clarity about your money.
LAST 30 DAYS
$2,130
Spent $2,130 of $2,583 earned
Just ask. Steady knows.
No more digging through transactions. Ask anything about your money in plain English.
Ask Steady
AI-powered insights
Based on your spending this week, you have $342 safe to spend.
A $200 dinner would leave you with $142 for the rest of the week. That's doable, but tighter than usual.
My suggestion: Go for it, but maybe skip the extra drinks!
Bills
$847/month recurring
Due this week
$234.50
Netflix
Jan 15
$22.99
Due soonSpotify
Jan 18
$16.99
Power
Jan 20
$142.00
Internet
Jan 22
$89.00
Gym
Jan 25
$59.00
Never miss a bill. Ever.
Steady automatically detects your recurring bills and subscriptions. Get alerts before they're due.
Auto-detection
Price alerts
Due date reminders
Forecast spending
Everything you need to feel confident about money
Stop wondering where your money went. Start knowing where it's going.
Connect your bank
Securely connect your NZ bank accounts via Akahu. Your data stays encrypted and we never store your banking credentials.
Smart categorisation
AI-powered categorisation that learns your preferences. Correct once, and it remembers for similar transactions forever.
Ask Steady anything
Chat naturally with your finances. Choose your AI personality: supportive Glaze mode, balanced Steady mode, or honest Real mode.
Financial score
See your financial health at a glance. Get a score out of 100 with AI insights on how to improve it.
Goal tracking
Set savings goals with target dates. Link real bank accounts for automatic progress tracking.
Swear jar
Set spending rules and hold yourself accountable. Overspend on coffee? Your swear jar knows.
Recurring detection
Automatically detect subscriptions and bills. Get alerted to price increases and forgotten recurring charges.
Smart alerts
Get notified about unusual spending, goal progress, and important changes. No spam, just helpful insights.
Spending insights
Understand where your money goes with clear breakdowns by category, merchant, and time period.
Safe to spend
Know exactly how much you can spend without affecting your goals or missing bills.
Proactive insights
Get AI-powered nudges and suggestions. Steady spots trends, anomalies, and opportunities you might miss.
NZ-first
Built specifically for New Zealand banks and financial culture. No generic overseas templates.
Real results
Kiwis are taking control of their money
“Finally, an app that gets NZ banking. I connected my ANZ and Kiwibank accounts in minutes. Now I actually know where my money goes.”
Sarah T.
Auckland
“The 'Safe to Spend' feature is a game changer. No more guessing if I can afford dinner out. Steady just tells me.”
Michael R.
Wellington
“I've tried Mint, YNAB, PocketSmith... nothing stuck. Steady is the first app that doesn't make me feel guilty about spending.”
Emma L.
Christchurch
Your journey
From confused to in control
Most users feel confident about their finances within the first week
Confused
Wondering where your money goes
Connected
Banks synced, transactions flowing
Confident
Knowing what you can afford
In Control
Goals on track, stress-free spending
What you'll achieve
Within your first month
Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees.
Compare features
All plans include
Core & Pro
Pro only
All prices in NZD. Cancel anytime. 14-day money-back guarantee on paid plans.
Frequently asked questions
Got questions? We've got answers.
Is my bank data safe?
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.
Which NZ banks are supported?
Steady supports all major NZ banks through Akahu, including ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, The Co-operative Bank, Heartland Bank, and more. Check our full list when you sign up.
How does AI categorisation work?
We use Claude, Anthropic's AI, to intelligently categorise your transactions based on the merchant name, amount, and patterns. It learns from corrections you make to get more accurate over time. You can always override any category.
Can I export my data?
Yes. Core and Pro users can export all their transaction data at any time in CSV format. Your data belongs to you.
What happens if I cancel?
If you cancel a paid plan, you'll still have access until the end of your billing period. After that, your account will revert to the Free plan with its limits. Your data is never deleted unless you specifically request it.
Is there a mobile app?
Steady is a progressive web app (PWA) 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.
How do AI queries work?
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 you personalised answers. Each question counts as one query towards your monthly limit.
Will you support Australian banks?
Yes! We're planning to expand to Australia in the future using Basiq for bank connections. Sign up for our waitlist if you're interested.
Ready to take control of your money?
Join thousands of Kiwis who've stopped stressing about finances. Start free in under 5 minutes.