Everything Stead does
The whole thing.
A complete budget tracker — spending, budgets, goals, accounts, and the gentle gamification that makes it stick. Every claim here maps to something the app actually does, including the parts that don’t flatter us.
01 · Quick Save
Saving that finally feels like winning.
Skip a splurge, log the win, watch the streak grow. It's the part most people don't expect to like.
Quick Save tracks your saving habit — your own running streak. Link a partner and your quick saves join your shared scoreboard; unlike transactions and goals, they can’t be marked private.
02 · Goals
Name it, and see it get closer.
A home deposit, a trip, a rainy-day buffer. Set the target, chip away, and watch the gap close.
Lite shows how you’re pacing on each goal. The date you’ll get there is part of Stead Plus, when it launches.
03 · Budgets
A plan that flexes to real life.
Set a monthly budget by category. Stead keeps you in the loop with a nudge, never a red-number telling-off.
04 · Insights
See where your money's headed, not just where it went.
Clear, calm analytics that show your patterns and what they mean for where you're going.
05 · Settle up
Share costs without the awkward maths.
Who paid what, who owes whom — settled clean. Works with a partner or a housemate.
Shared costs
06 · Accounts & net worth
The full picture, in one calm place.
Add your savings, offset, investment and property accounts to see your balances and net worth at a glance.
Accounts start private — a partner sees an account only if you choose to share it. That sharing is a simple on/off per account, not a fine-grained selector.
Accounts
07 · Seasons, streaks & badges
Gamified, gently.
Monthly seasons, streaks, and a set of calm, earned badges turn the daily habit into something you look forward to — with no shame when you miss a day.
Miss a day and nothing shames you — pick it up tomorrow.
Better with someone
Even better as a team.
Everything here works beautifully on your own. Add a partner and you’re building towards the same future together.
See Stead for couples →Stead Plus
More of the future, when you want it.
Stead is free to use, properly. Plus adds a longer look ahead — the date you’ll reach each goal, every month you’ve ever logged, every past Wrap — and a character that looks like you. One price covers up to two people.
See pricing →
Day one
Top tier
Straight about it
What Stead doesn't do.
- No bank feeds. You add what matters yourself — manual entry, by design. Nothing’s quietly profiling your spending.
- No billing, for now. Stead is free while we’re in early access — there are no plans, no card fields and no trial clock in the app today.
How your data is protected — and where it lives — is written out in full on the security page.
Read the security page →Start where you are.
Early access — join the waitlist.