<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url>
<loc>https://steady.nz</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>1</priority>
</url>
<url>
<loc>https://steady.nz/features</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.9</priority>
</url>
<url>
<loc>https://steady.nz/pricing</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>https://steady.nz/about</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://steady.nz/security</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://steady.nz/contact</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://steady.nz/faq</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>https://steady.nz/how-it-works</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.9</priority>
</url>
<url>
<loc>https://steady.nz/compare</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>https://steady.nz/glossary</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://steady.nz/calculators</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>https://steady.nz/legal/privacy</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.3</priority>
</url>
<url>
<loc>https://steady.nz/legal/terms</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.3</priority>
</url>
<url>
<loc>https://steady.nz/blog/why-checking-your-money-daily-works</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/automate-your-finances-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/save-for-first-home-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/best-savings-accounts-nz-2026</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/rent-affordability-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/student-money-guide-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/switch-power-company-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/how-to-read-bank-statement-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/fortnightly-pay-budgeting-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/is-steady-safe</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/money-habits-that-stick</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/kiwisaver-vs-savings-account</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/track-investments-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/ai-personal-finance-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/manage-money-as-couple-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/reduce-food-spending-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/kiwisaver-which-fund-type</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/financial-goals-that-work</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/how-to-budget-nz-beginners</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/what-is-open-banking-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/invest-10000-nz-2026</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/spending-personality-types-nz</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/track-spending-automatically-nz</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/best-budgeting-apps-nz-2026</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/how-to-save-money-new-zealand</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/kiwisaver-tips-2026</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/personal-finance-apps-vs-spreadsheets</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/akahu-open-banking-nz-explained</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/emergency-fund-nz</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/safe-to-spend-explained</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/subscription-audit-save-money</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/nz-bank-accounts-compared-2026</loc>
<lastmod>2026-04-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://steady.nz/blog/category/guides</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://steady.nz/blog/category/tips</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://steady.nz/blog/category/technology</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://steady.nz/blog/category/education</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://steady.nz/blog/category/insights</loc>
<lastmod>2026-04-09T05:39:06.531Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.5</priority>
</url>
</urlset>
