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
- 2 goals
- 1 budget
- Weekly Pulse, your week in a story
- Gamification (XP, streaks, achievements)
- Unlimited friends
- 90 days history
- 3 coach questions a month
- No net worth / investments / forecast
- No data export
Plus
Do more with your money
First 3 months half price
14-day free trial · then:
Half price for your first 3 months, then $12.99/mo.
- Everything in Free, plus:
- Unlimited CSV bank imports (ANZ, ASB, BNZ, Westpac, Kiwibank, TSB)
- Multi-bank merged view
- Full transaction history (not just 90 days)
- AI categorisation on every imported transaction
- 200 coach questions a month
- Unlimited goals & budgets
- Net worth tracking
- 30-day cash-flow forecast
- Monthly and Yearly Pulse, your month and year wrapped
- Money personality quiz
- Challenges
- Data export (CSV & PDF)
- Priority support, direct line to the founder
- 30-day money-back guarantee
Family
Everything in Plus, for the whole household
- Plus for up to 5 people in one household
- Shared billing
- Individual accounts + private spending
- Family-wide insights + savings goals
- Everyone gets their own login and private spending
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 |
| Coach questions per month | 3 | 200 | 200 (per member) |
| Goals | 2 | Unlimited | Unlimited |
| Budgets | 1 | Unlimited | Unlimited |
| Transaction history | 90 days | Unlimited | Unlimited |
| Members | 1 | 1 | Up to 5 |
| 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 [email protected] 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 $12.99/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 $19.99/month, that's about $4/person/month, well under a third of the Plus rate per person.
Do students get a discount?+
Not yet. A student programme 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