NZ family budget — the honest version
Earning $100k+ and still feel broke?
The free 2026 family-budget breakdown + early access to Steady. Find where the money actually goes — and plug the leaks.
- Honest monthly numbers — what an NZ family of 4 really costs in 2026
- The 4 biggest leaks (groceries, power, insurance, subs) and how to plug each one
- Steady auto-tags every NZ merchant — Pak'nSave, Z Energy, your power bill
- Set household goals together — holidays, school fees, big-ticket buys
Free to start. Built for NZ families. Connects securely to your bank.
Inside the app
What "where did the money go?" looks like in Steady.
- 1
Every dollar, categorised
Open Steady and you see: $1,847 on groceries this month, $612 on power, $284 on subscriptions you forgot you had. No guessing, no "hmm, must've been the kids' shoes". Real numbers.
- 2
The leak detector
Steady spots the patterns. "You spend 40% more at Countdown than at Pak'nSave on the same shop." "Your power bill is $90 higher than the NZ average for your household size." One screen tells you what to switch first.
- 3
Goals the whole family can see
Saving for the school camp? A holiday in Fiji? A new washing machine? Set it as a household goal and Steady shows the bar moving every week. Kids see it too — turns out they spend less when the bar is real.
Most NZ families don't have a money problem — they have a visibility problem. The leaks are small. They just add up to $400 a month.