Your money, sorted.
NZ personal finance app, track spending, set goals, stay on track without spreadsheets
The personal finance app that answers real money questions, without spreadsheets or guesswork. Built for New Zealand.
Good afternoon
Samuel
Safe to Spend
$420.00
Account balance
$3,850.00
Spent today
$65.00
Weekly Pul$e
6 items to review
Budgets
Ask Steady anything
Chat naturally with your finances. Get instant, personalised answers based on your real spending data.
Try one
Steady AI
Online
Demo preview. In the app, answers come from your real transactions.
Your AI, your way
Pick the coach that fits you
Steady's AI has a personality, choose the tone that keeps you on track. Switch anytime.
Aroha
The hype friendCelebrates every win, big or small, and keeps you feeling like a financial superstar.
“You stayed $80 under your grocery budget this week, that's THREE weeks running. You're on fire!”
Koa
The calm guideBalanced and thoughtful. Just the facts, with gentle encouragement, never judgmental.
“You've got $342 safe to spend before payday. Rent and power are already set aside, so you're on track.”
Tane
The straight shooterNo sugar-coating. He'll call out the impulse buys and keep you honest, always with love.
“Fourth Uber Eats this week, mate. That's $112 that could've been in your house fund. Your call.”
Works with your bank
How it works
Up and running in 5 minutes. No spreadsheets, no manual entry.
Connect your bank
Securely link your NZ bank accounts in under 2 minutes via Akahu. Read-only access, we never touch your money.
Set your goals
Tell Steady what matters. Holiday fund, emergency savings, or just knowing where your money goes.
Get clarity
Steady analyses your spending, tracks your progress, and answers your money questions in plain English.
Everything you need to feel confident about money
Stop wondering where your money went. Start knowing where it's going.
Safe to spend
Know exactly how much you can spend without affecting goals or missing bills. Updated in real time.
Financial score
See your financial health at a glance with a score out of 100 and actionable tips.
Savings
18%
Bills
100%
Goal tracking
Set savings goals with target dates. Automatic progress from real accounts.
Smart categorisation
AI-powered categorisation that learns from your corrections.
Recurring detection
Auto-detect subscriptions. Get alerted to price increases and forgotten charges.
Built for how Kiwis actually manage money
Ask Steady anything
Chat with your finances in plain English. 'How much did I spend on food this week?' gets a real answer backed by your data.
- Plain-English answers
- Backed by your real transactions
- No jargon, no spreadsheets
Goals that track themselves
Set a target. Steady watches every transaction and auto-updates progress. No manual logging, ever.
- Auto-updates every payday
- Multiple goals at once
- Zero manual logging
Safe to spend, right now
One number tells you what's safe to spend this week without breaking bills or goals. Updated live.
- Accounts for upcoming bills
- Protects your savings goals
- Updates in real time
Akahu-powered bank sync
Read-only connections via FMA-regulated Akahu. Your bank login stays with your bank, Steady never sees it.
- Read-only, never moves money
- Your login stays with your bank
- All major NZ banks
Forecast the next 30 days
See bills landing, salary arriving, and where you'll end up. Catch problems before they hit.
- 30-day cash-flow view
- Flags bills before payday
- Spots shortfalls early
Kiwi-specific detail
Built here, not translated. Steady understands how New Zealanders actually get paid and spend.
- Fortnightly pay cycles
- KiwiSaver + NZD throughout
- NZ merchant recognition
Takeaways eating your salary?
Your money disappears each fortnight, and the Uber Eats and Countdown receipts tell the story. Steady shows your real dining spend vs. last month.
- 1 tap to see where it went
- This month vs. last, instantly
- No budgeting needed
Saving for a house deposit
You've got a target in mind but no clear picture of whether this month is sabotaging it. Set the goal, connect your bank, and Steady does the rest.
- Auto-tracked every payday
- Progress without spreadsheets
- Knows when you're off pace
No more surprise bills
Power bill lands bigger than expected, rego's due, suddenly there's no room for groceries. Steady flags what's coming before payday.
- 30 days of bills, forecast ahead
- Flagged before payday
- No more ambushes
'Can I afford it?', answered
Queenstown weekend, new tyres, birthday dinner, every call feels like a gamble. Ask Steady for a clear number instead of a guess.
- One number answers it
- Factors bills and goals
- Built around your pay cycle
PocketSmith
Strong forecasting and bank sync. No AI chat. Free plan available; paid from $9.99 NZD/mo billed annually.
mybudgetpal
Booster's free NZ budgeting tool. Daily bank sync, automatic categories. No AI or forecasting.
Sharesies
NZ-built brokerage for shares and KiwiSaver. Not budgeting software.
YNAB
Zero-based envelope budgeting. US-focused, manual entry in NZ. $14.99 USD/mo.
Steady puts automatic bank sync, AI-powered questions, and safe-to-spend clarity in one place, built for Kiwis from day one.
Competitor details checked against each provider's public pricing and product pages, 13 August 2026. Sources and detail on our comparison pages. Spotted something wrong? Email [email protected].
Simple, transparent pricing
Start free, upgrade when you need more. No hidden fees.
Free
The basics, free forever
- 1 bank (CSV upload)
- Spending + bills views
- 1 savings goal
- 1 budget
- 30-day history
- Unlimited friends
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
- Unlimited CSV imports (all 6 NZ banks)
- Multi-bank merged view
- Full transaction history
- 50 AI questions / month
- Unlimited goals & budgets
- Net worth tracking
- 30-day cash-flow forecast
- Weekly Pulse
- Money personality
- Swear jar + challenges
- Data export
- Founder support line
- 30-day money-back
Family
Coming soon, post Akahu launch
Coming soon
- Plus for up to 5 people
- Shared billing
- Individual private accounts
- Family insights
- Lands after Akahu live-sync
All prices in NZD, inclusive of GST. Cancel anytime. 14-day money-back guarantee on paid plans.
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.
Steady supports all major NZ banks through Akahu, including ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, The Co-operative Bank, Heartland Bank, and more.
We use Claude, Anthropic's AI, to intelligently categorise your transactions based on the merchant name, amount, and patterns. It learns from your corrections to get more accurate over time.
Yes. Plus and Pro users can export all their transaction data at any time in CSV format. Your data belongs to you.
You'll still have access until the end of your billing period. After that, your account reverts to the Free plan. Your data is never deleted unless you specifically request it.
Steady is a progressive web app 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.
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 personalised answers.
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