Your money, sorted.
The personal finance app that answers real money questions — without budgeting or spreadsheets. Built for New Zealand.
Good morning
Sam
Weekly Pul$e
Start your check-in
Bill Review
Check upcoming bills
Safe to Spend
$342.50
Holiday
$2,010 / $3,000
Streak
4
weeks
Daily Actions
2 of 5 complete today
Countdown
Groceries
Trusted by New Zealanders
Real people, real results. Join Kiwis who took control of their money.
“Finally hit my house deposit goal! Steady showed me exactly where my money was going.”
Emma
Auckland
“The AI instantly spotted I was overpaying for subscriptions. Saved $200/month!”
James
Wellington
“As a single mum, knowing I can afford dinner out without stress is life-changing.”
Sarah
Christchurch
“I used to dread checking my bank. Now I check Steady every morning with my coffee.”
Tom
Hamilton
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.
Ask Steady anything
Chat naturally with your finances. Get instant, personalised answers based on your real spending data.
Steady AI
Online
Why Steady?
See how Steady stacks up against the alternatives.
Steady is the only NZ finance app with AI questions, automatic bank sync, and social features — all in one place.
Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees.
Free
Get started with the basics
- 1 bank connection
- 90 days history
- 2 AI questions/day
- Spending insights
- 1 savings goal
- 2 budgets
- Unlimited friends
Plus
Everything you need to manage your money
14-day free trial · then:
50% off first 3 months · code LAUNCH50
- Unlimited bank connections
- Full transaction history
- 25 AI questions/day
- Up to 10 goals & budgets
- Investment tracking
- Net worth tracking
- Financial forecasting
- Weekly & monthly reviews
- Financial personality
- Swear jar
- Friends & challenges
- Data export
- Priority support
Family
Plus for the whole household
- Everything in Plus
- Up to 5 family members
- Shared billing — one plan
- Each member gets their own account
- Family-wide spending insights
All prices in NZD. Cancel anytime. 14-day money-back guarantee on paid plans.
Be first to experience Steady
Join the waitlist for early access to NZ's smartest personal finance app.