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.

The weekly Quick Save scoreboard: Alex leads Sam ten dollars to five, both on saving streaks — This week’s friendly rivalry

02 · Goals

Name it, and see it get closer.

A home deposit, a trip, a rainy-day buffer. Set the target, chip away, and see when you'll get there.

A goal card in the Stead app: Japan, next autumn — $1,900 saved of a $6,000 target, 32% there

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.

The budget's 'Where the money goes' breakdown: groceries, transport, dining out, utilities and entertainment, each with a spent-of-budget bar and a calm under- or near-budget chip — A month’s plan, category by category

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.

The app's category chart: this month's spending across groceries, utilities, dining out, transport and entertainment

Month-end projections: groceries on pace for about $342 of a $520 budget, with money left over — Where it went — and where it’s heading

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

Sam paid groceries$86

You paid petrol$52

Settle $17 and you’re square($86 − $52) ÷ 2

Settle up — no awkward maths

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

Everyday$2,140

Savings$12,300

Offset$48,900

Net worth$63,340

Net worth — the full picture, one calm place

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.

Streak ×12July seasonSaver · Level 3

Miss a day and nothing shames you — pick it up tomorrow.

Seasons, streaks and badges — calm, earned

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 →

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 →

Entries 01–07Settled

Carried forward →

Start where you are.

Start free

Early access — join the waitlist.