Know exactly where you stand
Steady answers real money questions like “Can I afford this trip?” and “What am I wasting money on?” — without manual budgeting, spreadsheets, or guilt.
Safe to spend this week
$342.50
Holiday Fund
67%$2,010 / $3,000
Recent transactions
McDonald's
Food & Drink
Countdown
Groceries
Salary
Income
Smart alerts
Financial health
Good
Keep it up!
Ask Steady
"Can I afford a $200 dinner this weekend?"
Everything you need to feel confident about money
Stop wondering where your money went. Start knowing where it's going.
Connect your bank
Securely connect your NZ bank accounts via Akahu. Your data stays encrypted and we never store your banking credentials.
AI categorisation
Transactions are automatically categorised using AI. No more manually tagging purchases or guessing expense categories.
Ask anything
Chat naturally with your finances. Ask "Can I afford a $500 purchase?" or "What do I spend on coffee?" and get instant answers.
Goal tracking
Set savings goals with target dates. See if you're on track and get personalised recommendations to reach them.
Recurring detection
Automatically detect subscriptions and bills. Get alerted to price increases and forgotten recurring charges.
Smart alerts
Get notified about unusual spending, goal progress, and important changes. No spam, just helpful insights.
Spending insights
Understand where your money goes with clear breakdowns by category, merchant, and time period.
Safe to spend
Know exactly how much you can spend without affecting your goals or missing bills.
NZ-first
Built specifically for New Zealand banks and financial culture. No generic overseas templates.
Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees.
Free
Get started with the basics
- 1 bank connection
- 90 days transaction history
- 1 savings goal
- 5 AI queries per month
- Weekly summary alerts
- Basic spending insights
Core
For serious money managers
- Unlimited bank connections
- 2 years transaction history
- 5 savings goals
- 50 AI queries per month
- All alert types
- Detailed spending analytics
- Export your data
- Priority support
Pro
For the financially ambitious
- Everything in Core
- Unlimited transaction history
- Unlimited savings goals
- Unlimited AI queries
- Custom alerts
- Advanced analytics
- Family account sharing
- API access
All prices in NZD. Cancel anytime. 14-day money-back guarantee on paid plans.
Frequently asked questions
Got questions? We've got answers.
Is my bank data safe?
Yes. We use Akahu, a regulated open banking platform that's trusted by major NZ banks. Your login credentials are never stored by us - Akahu handles all the secure connections. All data is encrypted at rest and in transit using bank-level security.
Which NZ banks are supported?
Steady supports all major NZ banks through Akahu, including ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, The Co-operative Bank, Heartland Bank, and more. Check our full list when you sign up.
How does AI categorisation work?
We use Claude, Anthropic's AI, to intelligently categorise your transactions based on the merchant name, amount, and patterns. It learns from corrections you make to get more accurate over time. You can always override any category.
Can I export my data?
Yes. Core and Pro users can export all their transaction data at any time in CSV format. Your data belongs to you.
What happens if I cancel?
If you cancel a paid plan, you'll still have access until the end of your billing period. After that, your account will revert to the Free plan with its limits. Your data is never deleted unless you specifically request it.
Is there a mobile app?
Steady is a progressive web app (PWA) that works great on mobile browsers. You can add it to your home screen for an app-like experience. Native iOS and Android apps are on our roadmap.
How do AI queries work?
You can ask natural language questions about your finances like "How much did I spend on Uber last month?" or "Am I on track to save $5000 by December?". The AI analyses your data and gives you personalised answers. Each question counts as one query towards your monthly limit.
Will you support Australian banks?
Yes! We're planning to expand to Australia in the future using Basiq for bank connections. Sign up for our waitlist if you're interested.
Ready to take control of your money?
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