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
$342.50
Account balance
$3,887.05
Spent today
$87.30
Weekly Pul$e
6 items to review
Top Spending
Groceries
$612.40
Designed for the money moments Kiwis actually have
Steady isn't a spreadsheet with an app skin. It's built around the real situations people face.
Takeaway dinners are eating your salary
Your money disappears each fortnight — Uber Eats and Countdown receipts tell the story.
With Steady
Steady shows your real dining spend vs. last month in one tap. No budgeting needed.
1 tap
to see where it went
You're saving for a house deposit
You've got a target in mind but no clear picture of whether this month is sabotaging it.
With Steady
Set the goal, connect your bank, and Steady auto-tracks progress every payday.
Auto
tracked every payday
Surprise bills ruin your week
Power bill lands bigger than expected. Rego's due. Suddenly there's no room for groceries.
With Steady
Steady forecasts 30 days out and flags bills before payday. No more ambushes.
30 days
of bills, forecast ahead
'Can I afford it?' is always a guess
Queenstown weekend, new tyres, birthday dinner — every call feels like a gamble.
With Steady
Ask Steady for a clear number, factoring in your bills, goals, and pay cycle.
One number
answers 'can I afford it?'
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.
Everything you need to feel confident about money
Stop wondering where your money went. Start knowing where it's going.
Safe to spend
Know exactly how much you can spend without affecting goals or missing bills. Updated in real time.
Connect your bank
Securely connect NZ banks via Akahu. We never store your credentials.
Smart categorisation
AI-powered categorisation that learns from your corrections.
Financial score
See your financial health at a glance with a score out of 100 and actionable tips.
Savings
18%
Bills
100%
Ask Steady anything
Chat naturally with your finances. Get instant answers about your spending.
Goal tracking
Set savings goals with target dates. Automatic progress from real accounts.
Recurring detection
Auto-detect subscriptions. Get alerted to price increases and forgotten charges.
Spending insights
Clear breakdowns by category, merchant, and time period. Spot trends instantly.
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.
- Plain-English answers
- Backed by your real transactions
- No jargon, no spreadsheets
Goals that track themselves
Set a target. Steady watches every transaction and auto-updates progress. No manual logging, ever.
- Auto-updates every payday
- Multiple goals at once
- Zero manual logging
Safe to spend, right now
One number tells you what's safe to spend this week without breaking bills or goals. Updated live.
- Accounts for upcoming bills
- Protects your savings goals
- Updates in real time
Akahu-powered bank sync
Read-only connections via FMA-regulated Akahu. Your bank login stays with your bank — Steady never sees it.
- Read-only, never moves money
- Your login stays with your bank
- All major NZ banks
Forecast the next 30 days
See bills landing, salary arriving, and where you'll end up. Catch problems before they hit.
- 30-day cash-flow view
- Flags bills before payday
- Spots shortfalls early
Kiwi-specific detail
Built here, not translated. Steady understands how New Zealanders actually get paid and spend.
- Fortnightly pay cycles
- KiwiSaver + NZD throughout
- NZ merchant recognition
Ask Steady anything
Chat naturally with your finances. Get instant, personalised answers based on your real spending data.
Steady AI
Online
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.”
PocketSmith
Strong forecasting and bank sync. No AI chat. From $12.95 NZD/mo.
Booster
Investment-led with KiwiSaver focus. Not a daily budgeting tool.
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 is the only NZ app combining automatic bank sync, AI-powered questions, and safe-to-spend clarity — in one place, built for Kiwis.
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
Soft-launch price · locks for life
14-day free trial · then:
Locks for life · rises to $12.99/mo at full launch
- Unlimited CSV imports (all 6 NZ banks)
- Multi-bank merged view
- Full transaction history
- 50 AI questions / month
- Unlimited goals & budgets
- Net worth tracking
- 30-day cash-flow forecast
- Weekly Pulse
- Money personality
- Swear jar + challenges
- Data export
- Founder support line
- 30-day money-back
Family
Coming soon — post Akahu launch
Coming soon
- Plus for up to 5 people
- Shared billing
- Individual private accounts
- Family insights
- Lands after Akahu live-sync
All prices in NZD, inclusive of GST. Cancel anytime. 14-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.
Explore Steady
Free NZ money guides, calculators, and tools — no signup needed.
Money Check
How money-savvy are you? A quick daily NZ money quiz. New questions every day.
Explore
Free calculators
Savings, house deposit, coffee cost, and subscription tools.
Explore
NZ tax, explained
Refunds, IRD, tax codes, GST, and side-hustle deductions.
Explore
Mortgages
2026 rates, fixed vs floating, and what you can afford.
Explore
Saving in NZ
Best accounts, emergency funds, and savings targets.
Explore
How Steady compares
Steady vs PocketSmith, YNAB, Sorted, and more.
ExplorePopular guides
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