What Steady does

Most money apps tell you what you spent.Steady tells you what is coming.

It connects to your New Zealand bank, finds the bills you never entered, and works out what is genuinely safe to spend before your next payday. Everything below is something it does today, and the limits have their own section rather than being left out.

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The same two transactions

Steady

Woolworths$82.40

Groceries $412 of $600.

Z Energy$95.10

Fuel 20% above usual.

Your bank apps

Woolworths$82.40

Z Energy$95.10

0: NZ banks, through Akahu
0: years of history on connect
0: months of forecast
×0: bank refreshes a day, at most

The number

What is actually safe to spend

Your balance is a number about the past. Safe to Spend is the one about the rest of the fortnight.

Your bank balance knows what has settled. It does not know about the rent going out on Friday, the insurance that renews on the 20th, or the rates instalment your council sends quarterly.

Steady takes what is in the account, subtracts every bill due before your next payday, subtracts what you have told it to put aside, and shows you the remainder. That is the figure you can spend without breaking something later in the fortnight.

It follows your real pay rhythm rather than a calendar month, so weekly, fortnightly and monthly earners each get an honest answer instead of a monthly average divided by four. The gap between the two numbers is usually where overdraft fees live.

In your account$3,850

Bills before payday−$1,240

Set aside for goals−$190

Safe to spend$420

The arithmetic, not the assertion. Illustrative figures.

The ambush

Bills and instalments you never entered

Steady reads your transactions and works out which ones repeat, then lays them against your paydays.

Power, insurance, the gym, the streaming service you forgot. Each comes back with a confidence score rather than a guess presented as a fact, and you can correct any of them.

Buy-now-pay-later is treated as what it is. Afterpay, Laybuy, Zip and Genoapay instalments are a finite run of payments, not a subscription — so a $400 jacket over four fortnights does not permanently inflate what Steady thinks your monthly commitments are, and the plan is marked finished when the last payment clears.

The lot sits on a calendar against your pay dates, which is how you see a tight week coming three weeks out instead of the morning it arrives.

Coming upNext 90 days

Tue 21Power$184

Fri 24Car rego$113

Thu 7 NovCar insurance$642

Insurance lands before payday. Steady told you three weeks out.

What is coming, and which one lands on the wrong side of payday.

What is coming

A 12-month view, and four ways to read it

Steady projects your balance forward 12 months from your real income and your detected bills. Not a budget you maintain — a line you look at.

It shows four windows, because next week's question and next year's are not the same question. Seven days answers whether you make it to payday. Thirty days answers whether this month works. Six months catches the annual bills clustering. A year is where a deposit or a car replacement stops being an idea.

And it stops at a year deliberately. One assumption with a ten percent error is fine; twenty compounding assumptions are a story. We would rather hand you twelve honest months than sixty invented ones.

Projected balanceNext 90 days

Car insurance lands 7 Nov. Steady flags it three weeks out.

A 90-day slice of the 12-month line. The trough is an annual bill landing.

Plain English

A coach that has already read your data

Ask whether you can afford something and the answer comes back from your actual balances and your actual upcoming bills.

Not a rule of thumb about twenty percent of income — your account, your bills, this month. Answers arrive as charts as well as words, because "where did the money go" is a question a picture answers faster.

You can ask by voice, and the dictation is tuned for money, so amounts and NZ merchant names come out right instead of phonetically.

You also pick who is talking. The personalities run from gentle to blunt, and the money-personality quiz matches the coach to how you actually want to be spoken to. Plus includes 200 questions a month; the free tier includes 3.

Can I do Queenstown this weekend? About $600.

Yes, $640 clear.

Rent and power are covered, and your house deposit still gets its $180.

It ends on a number and names what it accounted for.

The NZ bit

Council rates, WOF, rego and the annual lumps

Nobody blows their budget on rent. Rent is every week and you have built your life around it.

What does the damage is the $340 rego reminder in a month you had already committed to a weekend away, or the third rates instalment landing the same fortnight as the car service.

Steady tracks the once-a-year costs as scheduled bills — council rates estimated from your own notice or your council's published figures, insurance including multiple properties and per-cover excesses, and the vehicle costs that arrive together because you did them together once.

They stop being an ambush and start being a line in the forecast, which is the whole difference between a surprise and a plan.

The year aheadAnnual costs

FebCar insurance$890
AugRates instalment$612
NovRego and WOF$340

A year of lumps, placed before they arrive rather than after.

Everything else it does

The complete list, without the sales pitch.

Getting your money in

NZ bank connection: ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, The Co-operative Bank, SBS Bank and Heartland, through Akahu. Read-only. Your password never touches Steady.
2 years of history: Arrives with the connection — the maximum the regulated open banking system serves.
CSV import: For history older than the feed, or an account that cannot be connected. Detects the NZ bank format and de-duplicates.
Categorisation that learns: NZ merchant recognition, so a local dairy is not filed as 'Other'. Correct one and it stays corrected.
Receipts: Photograph a receipt and attach it to the payment. Useful at tax time and when something needs returning.

Seeing it clearly

Spending deep dive: One category over time, broken down by the merchants that actually make up the total.
Budgets on your pay cycle: Category budgets with rollover, on your rhythm rather than the calendar month. Alerts before the limit, not after.
Price rises and odd spending: A streaming service that quietly went up $3, or a category running hot. Both invisible by hand.
Financial health score: One 0–100 across savings rate, budget adherence, bill consistency and investment awareness.

Building something

Savings goals: Target dates, sub-goals, a linked account, and goals shared with a partner. Spending toward a goal counts as progress.
Emergency fund: A target from your actual monthly costs, not a generic three-months-of-something.
Debt payoff planner: What to clear first, and what that changes about the date you are free of it.
Net worth: Cash, investments, property and debt on one line over time, from one month to five years.
Investments and KiwiSaver: Balances from NZ platforms alongside everything else. Balance-only — see the limits below.

Keeping it up

Weekly, monthly and yearly Pulse: A short read on what changed. About a minute, not a dashboard to interpret.
Streaks, with freezes: Earned by completing the Pulse. A freeze covers a week you miss, because one bad week should not end a good year.
XP and achievements: Levels unlock real features rather than badges, and everything is reachable in the first month.
Friends: Compare progress and celebrate goals. No balances and no transactions are ever shared.

Household and fine print

Family plan: Everything in Plus for up to 5 people, one bill, each with their own view.
Take your data with you: A full export of everything Steady holds, any time, without a support ticket.
Read-only and revocable: Tokens encrypted at field level and access you can revoke yourself. Steady cannot move your money — a limit of the connection, not a promise.
Built for NZ: Built in New Zealand under the Privacy Act 2020.

Before you sign up, not after

What it does not do

Bank data refreshes up to twice a day: Akahu delivers on a batch schedule, never continuously, and no NZ bank offers a faster feed — to Steady or to anyone else. Nothing here claims to be live, because in New Zealand nothing is. Steady is built around that: what is coming does not go stale the way a balance does.
Investments are balance-only: No NZ investment platform exposes individual transactions through open banking, so Steady can show what your KiwiSaver and investments are worth, not each buy and sell inside them.
History stops at 2 years: That is the maximum the regulated system serves, not a choice. CSV import covers anything older.
The forecast stops at a year: Deliberately. Past twelve months the assumptions compound faster than the answer improves.

Steady runs in the browser today — the full app on desktop, and the same app on a phone where it installs to the home screen with push notifications. Native iOS and Android apps are in build and not yet in the stores; the web app is the one product behind all of them, on one login.

Questions people ask first

The six that come up before anyone signs up. The answers are the same ones the page markup hands an answer engine.

Which NZ banks does Steady connect to?

ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, The Co-operative Bank, SBS Bank and Heartland, through Akahu open banking. The connection is read-only and your bank password never touches Steady.

How often does Steady update my transactions?

Up to twice a day. Akahu delivers bank data on a batch schedule rather than continuously, and no NZ bank offers a faster feed to anyone.

Does Steady track Afterpay and other buy-now-pay-later plans?

Yes. Afterpay, Laybuy, Zip and Genoapay instalments are detected and treated as a finite run of payments rather than an ongoing subscription, and marked finished when the last payment clears.

Is there a free version of Steady?

Yes. The free tier includes 1 bank connection, 2 goals and 3 coach questions a month, with no card required. Plus is $12.99 a month.

Is there an iPhone or Android app?

Can Steady move my money?

No. The open banking connection is read-only, so moving money is not something Steady is able to do. That is a limit of the connection rather than a promise we are making.

Start on the free tier and see your own numbers

1 bank connection, 2 goals and 3 coach questions a month. No card, and no trial clock counting down. Plus is $12.99 a month when you want the forecast, net worth and the rest.

Compare the plans