Budgeting that finally feels good.
The Australian budget app where small, everyday choices add up to something you can see. Added by hand — no bank logins, nothing tracking you. On your own, or alongside someone else.
- 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. Streaks, a character that grows with you, and seasons that mark how far you’ve come. 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. No sync also means no auto-categorised guesswork: you decide what each thing was, which is the whole habit.
05 · Better with someone×2
Shared, but not all of it.
Stead works beautifully on your own. Add someone and you save towards the same future together — with a bit of friendly competition that’s really teamwork. But every account starts unshared: you choose what to share, item by item, going forward. Nothing is shared retroactively, and if either of you unlinks, sharing resets completely.
Worried yours won’t bother? Don’t ask them to log everything on day one. Start with one shared goal — the holiday, the reno, whatever you’re both already talking about — and let them see it work. Sharing is opt-in and forward-only for exactly this reason: you can bring someone in gradually instead of flipping an all-or-nothing switch.
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.
The honest limit: we can read your data to run the service — opened only when that requires it, never for marketing and never for sale. The security page says exactly what’s protected and what we don’t do, in plain English.
Why trust us with any of this? Fair question — and the answer isn’t that you should trust us more. Part of it is what isn’t here: no bank-feed integrations to secure, and no banking credentials for anyone to steal. Part of it is that you can leave whenever you like — export everything, delete the account, nothing to unpick. The rest you shouldn’t take on our word: the security page says plainly what we can and can’t see.
Read the security page →07 · Made in Melbourne1 inbox
Made here, answered here.
Stead is made in Melbourne, and still used every day to save for the deposit that started it. Questions reach a real person at support@steadapp.com.au.
Read our story →
Bring your future a little closer.
Early access — join the waitlist.