Paid fortnightly
Make a fortnight's pay last the whole fortnight.
Steady plans each pay the day it lands — bills, everyday and saving — and tells you what's left until the next one.
Free to start. NZ banks, read-only. No card needed.
Good afternoon
Samuel
Safe to spend
$420.00
until Fri · 3 days
Koa · Payday
$82 a day till the 7th.
Plan itSavings rate
22%
October
Next bill
$19.99
Spotify · Thu
6 items to review.
Japan trip
$1,240.00 / $4,000.00
Sound familiar?
“Week two is always tight.”
A plan for every pay, split before you spend it.
“Monthly bills don't line up with fortnightly pay.”
Each bill set aside from the pay before it's due.
“Overtime and short weeks change everything.”
Each pay is planned from what actually landed.
Budgeting guides
See all
What is 'Safe to Spend'? The Budgeting Number That Actually Works
One number replaces your entire budget. Safe to Spend is what you can spend before your next payday without missing a bill. How it works, and where it breaks.
7 min read
Will I Have Enough Money Before Payday? How to Actually Know
The maths behind whether you'll make it to payday, why your bank balance lies to you, and how to work out what's genuinely spendable today.
6 min read
How to Budget for Christmas and the January Bills in NZ
Why January is the hardest month for many NZ households, the bills that land after Christmas, and a simple plan to cover presents, the holidays and the long gap to the first January pay.
4 min read
How to Create a Household Budget in NZ (That Actually Works)
A step-by-step guide to building a household budget for New Zealand. Covers fortnightly pay, rates, ACC, KiwiSaver, and the 50/30/20 rule.
9 min read
Cash Flow Forecasting vs Budgeting: Which Actually Stops You Running Out?
Budgeting sets limits. Forecasting shows timing. They solve different problems, and picking the wrong one is why so many people quit budgeting apps.
6 min read
How to Track Spending Automatically in NZ (2026 Guide)
Still entering transactions by hand? How to connect your NZ bank, what two years of history gets you, and how often the data actually refreshes.
5 min read
7 Best Budgeting Apps for NZ in 2026 (Tested)
The budgeting apps that work in New Zealand, which ones connect to your bank through Akahu, and honest pros and cons of each. Updated September 2026.
6 min read
How to Pay Off Debt in New Zealand
The two methods that work for paying off credit cards, BNPL and personal loans, how a balance transfer helps, and the NZ help most people never ask for.
10 min readConnect your bank once. Steady does the rest.
Free to start. NZ banks, read-only. No card needed.