How Steady works

From sign-up to financial clarity in under 2 minutes. No spreadsheets. No manual entry.

Connect your bank

Link your ANZ, ASB, BNZ, Westpac, Kiwibank, or any supported NZ bank. Steady connects via Akahu — NZ's regulated open banking platform. Your bank credentials are never stored.

256-bit encryption FMA-regulated Read-only access Revoke anytime

See your spending

Transactions flow in automatically and get categorised. Steady knows Countdown = groceries, Z Energy = fuel, Netflix = streaming. AI handles the rest. No manual entry ever.

100+ NZ merchants recognised 12 spending categories Real-time updates Multi-bank view

Set goals and budgets

Create savings goals with a target and deadline — Steady calculates your required weekly savings. Set category budgets and get alerts before you overspend.

Milestone notifications Weekly pace tracking Budget warnings at 80% Gem rewards for progress

Ask Steady anything

Ask plain-English questions about your money. "How much did I spend on food?" "Am I on track for my goal?" "Where can I cut back?" Steady's AI knows your finances and gives real answers.

Voice input supported Takes actions for you NZ-specific advice No financial advice (not a FAP)

Your data is safe

Bank-grade encryption, NZ Privacy Act compliance, FMA-regulated open banking, and you can delete everything at any time. We never sell your data.

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Ready to sort your money?

Free to start. No credit card needed.

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