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 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
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.
If takeaway dinners are eating your salary
You're not sure why your money disappears each fortnight, but Uber Eats and Countdown receipts tell a story.
Steady shows your real dining spend vs. last month in one tap — no budgeting needed.
If you're saving for a house deposit
You've got a target in mind but no clear picture of whether this month's spend is sabotaging it.
Set the goal, connect your bank, and Steady auto-tracks progress every time you get paid.
If surprise bills ruin your week
Power bill lands bigger than expected. Registration is due. Suddenly there's no room for groceries.
Steady forecasts 30 days out and flags bills landing before payday. No more ambushes.
If 'can I afford it?' is always a guess
Weekend in Queenstown, new tyres, birthday dinner — every decision feels like a gamble with your bank balance.
Ask Steady and get a clear number back, factoring in your bills, goals, and pay cycle.
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.
Goals that track themselves
Set a target. Steady watches every transaction and auto-updates progress. No manual logging, ever.
Safe to spend, right now
One number tells you what's safe to spend this week without breaking bills or goals. Updated live.
Akahu-powered bank sync
Read-only connections via FMA-regulated Akahu. Your bank login stays with your bank — Steady never sees it. All major NZ banks supported.
Forecast the next 30 days
See bills landing, salary arriving, and where you'll end up. Catch problems before they hit.
Kiwi-specific detail
Fortnightly pay cycles. KiwiSaver. NZ merchant recognition. NZD. Built here, not translated.
Ask Steady anything
Chat naturally with your finances. Get instant, personalised answers based on your real spending data.
Steady AI
Online
Steady vs the NZ alternatives
Honest differences. Each app does something different well — here's where Steady fits.
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. 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.