Features
Everything you need to understand your money — without the spreadsheets.
Automatic spending tracking
Connect your NZ bank and see every transaction automatically categorised. No manual entry needed.
AI-powered insights
Ask Steady anything about your finances. "How much did I spend on food?" "Am I on track for my goal?" Get instant, honest answers.
Bill detection
Steady automatically finds your recurring bills and subscriptions, so you never miss a payment or forget to cancel.
Smart budgets
Set category budgets and track them in real time. Get alerts when you're approaching your limit.
Goal tracking
Save for what matters. Set goals with target dates and watch your progress with milestone celebrations.
Investment tracking
See your KiwiSaver, Sharesies, Hatch, and other investment accounts alongside your bank accounts for a complete financial picture.
Net worth tracking
Track your total assets and liabilities over time. Watch your net worth grow with interactive charts.
Financial forecasting
Predict your balance for the next 30 days based on your spending patterns and upcoming bills.
Financial health score
A single 0-100 score that measures your savings rate, budget adherence, bill consistency, and investment awareness.
Gamification
Earn XP, unlock achievements, maintain streaks, and level up. Healthy money habits, made fun.
Social features
Add friends, compare progress, join challenges, and celebrate wins together. Privacy-first — no financial details shared.
Bank-grade security
Read-only access via FMA-regulated Akahu. 256-bit encryption. Revoke access any time. We can never move your money.