How does Steady compare?
An honest look at how Steady stacks up against other NZ personal finance tools.
| Feature | Steady | PocketSmith | YNAB | Bank App |
|---|---|---|---|---|
| NZ bank auto-sync (Akahu) | ||||
| Multi-bank view | ||||
| Auto-categorisation | ||||
| AI chat assistant | ||||
| Voice input | ||||
| Savings goals | ||||
| Budget tracking | ||||
| Bill reminders | ||||
| KiwiSaver tracking | ||||
| Investment tracking | ||||
| Net worth tracking | ||||
| Cash flow forecast | ||||
| Gamification (XP, gems) | ||||
| NZD native | ||||
| Free tier | ||||
| Mobile app |
Steady vs PocketSmith
PocketSmith is the established NZ player with powerful forecasting and calendar-based budgeting. Steady is newer but brings AI chat, voice input, gamification, and a simpler mobile-first experience. PocketSmith is better for detailed planners; Steady is better for people who want answers without spreadsheets.
Steady vs YNAB
YNAB is the gold standard for zero-based budgeting but doesn't connect to NZ banks automatically. You'll need to manually import transactions. Steady auto-syncs with all major NZ banks. YNAB is better if you want rigid budgeting discipline; Steady is better for automatic tracking with less manual effort.
Steady vs Your Bank App
Bank apps are free and already connected — but they only show one bank at a time. If you have accounts at multiple banks, investments on Sharesies, or KiwiSaver with a different provider, you need an aggregator. Steady brings everything into one view with AI-powered insights on top.
Why choose Steady?
Steady is built specifically for Kiwis who want to understand their money without budgeting spreadsheets or manual data entry. If you want to ask "Am I on track?" and get a real answer based on your actual data — that's what Steady does best.
No credit card needed. Connect your bank in 2 minutes.