Your tomorrow, a little nearer every day.
The Australian budget app that turns small, everyday money decisions into progress you can see.
- Home deposit$4,200 of $15,000 · 28%
- Japan, next autumn$1,900 of $6,000 · 32%
- Rainy-day buffer$300 of $2,000 · 15%
Early access — join the waitlist.
Free to start, solo or together. Made in Australia.
01 · How it works3 moves
Three small moves.
Track it
Log what comes in and goes out — or settle a shared cost — in seconds. Done before the kettle’s boiled.
Save towards it
Set a goal — a home deposit, a trip, a buffer — and chip away with Quick Save.
Watch the gap shrink
See your progress, your streaks, and what’s coming. The future stops feeling far off.
02 · Everything you need6 entries
Nothing you don’t.
Quick Save
Log the small wins. Build a streak. Watch it stack.
Goals
Name what you’re working towards and see exactly how close you are — in real numbers.
Budgets
A plan that flexes to real life, with a nudge, not a lecture.
Insights
See what’s coming, not just what’s gone.
Settle up
Split what you share, settle clean. Always know who owes whom.
Accounts & net worth
Your balances and the full picture, in one calm place.
03 · Why it feels different0 guilt
Most budget apps make you feel behind. This one doesn't.
Gently gamified, so the sensible thing feels rewarding — and calm about it. Slip a day and nothing breaks; pick it up tomorrow.
Miss a day and nothing shames you — pick it up tomorrow.
04 · Manual, by design0 bank logins
No bank logins. Nothing tracking you.
Stead doesn’t plug into your bank — you add what matters yourself, and nothing’s quietly profiling your spending. The mindful kind of budgeting, not the surveillance kind.
05 · Better with someone×2
Add a partner, any time.
Stead works beautifully on your own. And when you’re saving towards the same future as someone else, you can do it together — with a bit of friendly competition that’s really teamwork.
06 · Your money is your business6 facts
What's true.
- Your database is in Sydney, Australia.
- Email and display name are encrypted with AES-256-GCM at the application layer.
- Passwords are hashed with bcrypt.
- No ads. We never sell your data.
- Export your data, any time.
- No bank feeds — manual entry, by design.
We can read your data to run the service — it isn’t zero-knowledge — which is exactly why we wrote down how it’s protected, and what we don’t do, in plain English.
07 · Made by2 people
Two people, in Melbourne.
Stead is made by two people in Melbourne who use it every day to save for their own first home. Questions reach a real person at support@steadapp.com.au.
Read our story →
Bring your future a little closer.
Early access — join the waitlist.