Pay off NZ debt — without earning more
Two methods. One way out of debt.
The free playbook + early access to Steady. We find every debt for you, then show you when it'll be gone.
- Snowball or Avalanche — pick the one that fits how your brain works
- 4 free NZ help lines most Kiwis don't know about (WINZ, MoneyTalks, hardship teams)
- Steady auto-tracks every payment, so you watch the balance fall in real time
- Connects safely to your NZ bank — no spreadsheets, no manual entry
Free to start. No card needed. Unsubscribe in one tap.
Inside the app
What you'll actually see when you open Steady.
- 1
Every debt, in one place
Steady connects to your bank and pulls in every credit card, BNPL bill, and personal loan automatically. No typing, no spreadsheets — just a clean list with the balance, the interest rate, and the minimum payment.
- 2
A finish line you can actually see
Pick Snowball or Avalanche and Steady draws the line: "You'll be debt-free by November 2027." Pay extra one month? The line moves closer. It feels like a video game more than a budget.
- 3
A nudge before you slip
If a credit-card balance creeps back up, Steady tells you the same week — not when next month's statement lands. Catch it early, you don't undo your progress.
Most people who start a payoff plan stop after 3 weeks because nothing visible changes. Steady is built so you see the change every day.