Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees, no surprises. Cancel anytime.
Free
The basics, free forever
- 1 bank (CSV upload)
- Spending + bills views
- Safe-to-Spend calculation
- 1 savings goal
- 1 budget
- Gamification (XP, streaks, achievements)
- Unlimited friends
- 30 days transaction history
- No AI assistant
- No net worth / investments / forecast
- No data export
Plus
Do more with your money — soft-launch price
Soft-launch price · locks for life
14-day free trial · then:
Your price locks for life. Rises to $12.99/mo at full launch.
- Everything in Free, plus:
- Unlimited CSV bank imports (ANZ, ASB, BNZ, Westpac, Kiwibank, TSB)
- Multi-bank merged view
- Full transaction history (no 30-day cutoff)
- AI categorisation on every imported transaction
- 50 AI questions per month
- Unlimited goals & budgets
- Net worth tracking
- 30-day cash-flow forecast
- Weekly Pulse — your money story
- Money personality quiz
- Swear jar + challenges
- Data export (CSV & PDF)
- Priority support — direct line to the founder
- 30-day money-back guarantee
Family
Coming soon after the public launch
Coming soon
- Plus for up to 5 people in one household
- Shared billing
- Individual accounts + private spending
- Family-wide insights + savings goals
- Available after Akahu live-sync launches
All prices in NZD. Cancel anytime. 30-day money-back guarantee on paid plans.
Compare all features
| Feature | Free | Plus | Family |
|---|---|---|---|
| Bank connections | 1 | Unlimited | Unlimited (per member) |
| AI questions per month | — | 50 | 50 (per member) |
| Savings goals | 1 | 10 | 10 (per member) |
| Budgets | 2 | 10 | 10 (per member) |
| Members | 1 | 1 | Up to 5 |
| Transaction history | 90 days | Unlimited | Unlimited |
| Auto-categorisation | ✓ | ✓ | ✓ |
| CSV statement import (ANZ, ASB, BNZ, Westpac, Kiwibank) | ✗ | ✓ | ✓ |
| Safe to Spend | ✓ | ✓ | ✓ |
| Gamification (XP, streaks) | ✓ | ✓ | ✓ |
| Friends & social | ✓ | ✓ | ✓ |
| Investment & KiwiSaver tracking (soon) | ✗ | ✓ | ✓ |
| Net worth tracking | ✗ | ✓ | ✓ |
| Financial forecasting | ✗ | ✓ | ✓ |
| Weekly & monthly reviews | ✗ | ✓ | ✓ |
| Money personality quiz | ✗ | ✓ | ✓ |
| Data export (CSV & PDF) | ✗ | ✓ | ✓ |
| Family spending insights | ✗ | ✗ | ✓ |
| Priority support | ✗ | ✓ | ✓ |
Frequently asked questions
Can I cancel anytime?+
Yes. Cancel from Settings in-app with no questions asked and no cancellation fees. Your plan stays active until the end of your billing period.
Do you offer refunds?+
Yes — 30-day money-back guarantee on paid plans. If it's not for you, email hello@steady.nz for a full refund.
What payment methods do you accept?+
Visa, Mastercard, Amex, debit cards, Apple Pay, and Google Pay — all processed securely via Stripe.
Do I have to connect my bank account?+
No. Plus includes CSV statement import for ANZ, ASB, BNZ, Westpac, and Kiwibank. Export from your online banking, upload to Steady, and you get the same categorisation, budgets, goals, and AI insights as automatic sync — without sharing bank login details. Both paths are included in the $13/month Plus plan.
Is my data secure?+
Yes. We use bank-level encryption, never store your banking password (Akahu handles bank connections), and comply with the NZ Privacy Act 2020.
What happens if I downgrade?+
You keep your current features until the end of the billing period, then drop to the lower tier automatically.
Can I upgrade mid-cycle?+
Yes. You pay a prorated difference for the rest of the cycle and immediately get the new features.
Is there a family discount?+
The Family plan gives up to 5 people everything in Plus for $20/month — that's $4/person/month, less than a third of the Plus rate per person.
Do students get a discount?+
Not yet. A student program is on the roadmap — join our mailing list to hear when it lands.
Ready to take control of your money?
Join thousands of Kiwis already using Steady. Start free, no credit card required.
30-day money-back guarantee · Cancel anytime