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% Rewards as you level up

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.

Join the waitlist