Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees, no surprises. Cancel anytime.
Free
Get started with the basics
- 1 bank connection
- Basic transaction categorisation
- Safe to Spend calculation
- 2 AI questions per day
- Gamification (XP, achievements, streaks)
- 1 savings goal
- 2 budgets
- Unlimited friends
- 90 days transaction history
- Limited AI assistance
- No investment tracking
- No exports or reports
Plus
Everything you need to manage your money
14-day free trial · then:
50% off first 3 months · code LAUNCH50
- Everything in Free, plus:
- Unlimited bank connections
- Full transaction history
- 25 AI questions per day
- Up to 10 goals & budgets
- Investment & KiwiSaver tracking
- Net worth tracking
- Financial forecasting
- Weekly & monthly reviews
- Money personality quiz
- Challenges & swear jar
- Data export (CSV & PDF)
- Priority support
Family
Plus for the whole household — up to 5 people
- Everything in Plus for up to 5 people
- Shared billing — one plan for the family
- Each member gets their own account
- Individual spending & goals per person
- Family-wide spending insights
- Invite members via email
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 day | 2 | 25 | 25 (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 | ✓ | ✓ | ✓ |
| Safe to Spend | ✓ | ✓ | ✓ |
| Gamification (XP, streaks) | ✓ | ✓ | ✓ |
| Friends & social | ✓ | ✓ | ✓ |
| Investment & KiwiSaver tracking | ✗ | ✓ | ✓ |
| 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.
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 $14.99/month — less per person than Plus itself.
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