Stay Steady

Import your bank statements, categorize expenses with AI, and watch your savings grow. Stay Steady is the privacy-first budget app that helps you build lasting financial habits — free forever, no subscription, no ads, no bank connection. Track every account you own — current, savings, pension, investments, credit card, business — together or one at a time. Your transactions stay on your device. Available on iPhone, iPad, Mac and Android.

Current version

1.5.0 is out now on both the App Store and Google Play — financial environments that keep your household, your company and your club apart, recurring payments that follow the merchant rather than the spelling, a forecast that lists the income still expected, full backups that move between iPhone and Android, a net worth history, a what-if simulator for your FIRE date, and Spanish. The details are in the 1.5 release post. If your store still shows 1.3, give it a little — the stores take a while to reach every device. On the Mac, 1.6.3 is available right now through Homebrew or the direct download below, and shows where each payment went.

Install on Mac

The Mac app is available today as a direct download, ahead of its Mac App Store review. It installs with Homebrew:

brew tap data-consulting-services/apps
brew trust data-consulting-services/apps
brew install --cask staysteady

The brew trust step is needed once for third-party taps since Homebrew 6. Updates arrive with brew upgrade staysteady. Prefer a plain download? The button at the top of this page fetches the same notarized disk image. Either way the app needs macOS 26 (Tahoe); it shares its data with the iPhone app through iCloud when you sign in with Apple, and works fully offline without it.

Features

Financial Environments

Keep your household, your company and your club apart in one app. Every bank account belongs to exactly one environment and no analysis ever mixes them, so a company invoice can no longer distort your personal savings rate. Budgets, goals, category rules and backups follow the environment; a company gets its own Revenue category and a club gets an operating reserve instead of an emergency fund. Switch at the top of the Journal and Insights; a wizard sorts your existing accounts and changes nothing until you confirm.

Smart File Import

Import transactions from any European bank by uploading a statement file. Drop a CSV, CODA, MT940 or OFX file and watch as the app automatically detects columns, parses dates, and matches your bank’s format. The app never connects to your bank — you stay in control of what gets imported.

Multiple Accounts

Add every account you have and give each one a type — current, savings, pension, investments, credit card or business. The type does real work: money leaving a savings account is a withdrawal by definition, money arriving is a deposit, and the app stops guessing where guessing is unnecessary. Filter any screen to a single account, or see everything together.

Transfers That Count Once

Move €500 from your current account to your savings account, import both statements, and a naive budget app records €500 of spending and €500 of income. Stay Steady recognises the two legs as one movement between accounts you own — so your spending, your income and your savings rate stay honest.

IBAN Validation, On Your Device

Add an account and the IBAN is checked as you type — the ISO 13616 MOD-97 checksum plus the Belgian national check digits — with your bank’s name filled in from the official National Bank of Belgium institution list. No API, no lookup service, no network call: it’s arithmetic against a directory that ships inside the app.

AI-Powered Categorization

Our machine learning model recognizes merchants and automatically categorizes your spending. Correct a category once, and it learns for next time — including every other month of the same recurring charge.

Receipt Scanning

Snap a photo of your receipt. On-device OCR extracts the merchant, amount, and date. Perfect for cash purchases or quick expense logging.

Savings Goals

Set goals for vacations, emergency funds, or big purchases. Link transactions directly to goals and visualize your progress with animated savings jars.

Smart Nudges

“You spent €50 less on restaurants this month — save it?” Contextual suggestions help you redirect surplus spending into savings automatically.

Budget Limits

Set monthly limits per category. Get alerts when you’re approaching 80% or exceeding your budget. Track all budgets at a glance with the progress ring widget.

Recurring Detection

The app automatically identifies recurring bills — rent, subscriptions, utilities — and predicts upcoming expenses so you’re never surprised.

Financial Health Score

Weekly and monthly scores based on savings rate, budget adherence, and spending trends. Celebrate wins and spot areas for improvement.

Spending Insights

Year-over-year comparisons, category breakdowns, merchant analysis, and anomaly detection. Understand where your money actually goes.

Subscriptions Hub

Every recurring charge in one place, normalised to what it actually costs per month and per year. Spot price hikes, see which renewals land this week, and keep an eye on the ones you’ve already stopped. Business and private subscriptions are totalled separately — “what am I paying every month” is two different questions depending on which hat you’re wearing.

Business and Private, Kept Apart

If you’re self-employed, Stay Steady stops mixing the two. Dedicated business categories — accountant, VAT refund, supplier invoices, leasing, device repair, AI tools — and a clean split everywhere the numbers matter.

Net Worth and FIRE

Track assets and liabilities over time, then let the FIRE calculator work out your Financial Independence number from your real annual expenses and invested net worth. Business accounts are excluded from the expense base, because a company’s costs are not your retirement costs.

What-If Scenarios

“What if you skipped takeout twice a week?” Personalized simulations show how small habit changes accelerate your goals.

Staying Steady Streaks

Track your progress with streaks — consecutive days and weeks you’ve stayed within budget. Build momentum and stay motivated.

iCloud Sync (iOS)

Optionally sync across iPhone and iPad with your private iCloud. Disabled by default — you choose when to enable.

Dark Mode

Beautiful light and dark themes that follow your system preference. Designed for comfortable use day and night.

Perfect For

• Budget-conscious households managing monthly finances
• Multi-account jugglers with a current account, a savings account and a pension pot to keep straight
• The self-employed who need business and private kept apart — and club or association treasurers who need a third set of books
• Privacy-conscious users who want data on-device, not in the cloud
• CSV importers tired of apps that only work with US banks
• Goal setters saving for vacations, cars, or emergency funds
• Budget beginners who want guidance without complexity
• Financial trackers who love insights and visualizations

How It Works

1. Import

Export a CSV from your online banking portal and drop it into Stay Steady. The app auto-detects your bank’s format.

2. Categorize

AI categorizes your transactions instantly. Tap to correct any mistakes — the app learns your preferences.

3. Stay Steady

Set goals, track budgets, and follow smart nudges. Watch your savings grow with visual progress indicators.

Technical Details

• Platforms: iPhone, iPad (iOS 26+), Android 11+
• Languages: English, Dutch, French, German, Spanish — on both platforms
• Free forever — no subscription, no ads, no in-app purchases
• No bank connection — you import statements yourself, the app never touches a bank API
• Optional sign-in — use the app fully without an account; signing in only helps the shared categorization model get smarter over time and lets you download newer model versions as we publish them
• Privacy focused — analytics are opt-in, and your transactions stay on your device unless you switch on iCloud sync, which keeps them in your own private iCloud and nowhere else

Supported Features

• Import formats: CSV, OFX and QFX, plus Belgian CODA and SWIFT MT940
• Data storage: On-device (SwiftData on iOS, Room on Android); optional iCloud sync between Apple devices
• Security: Face ID / Touch ID lock on iOS, biometric lock on Android
• AI on-device: Core ML categorization plus Apple Foundation Models for conversational insights on iOS; TFLite categorizer + LiteRT-LM (Gemma 4) on Android
• Accounts: unlimited, each typed (current, savings, pension, investments, credit card, business), with on-device IBAN validation against the NBB institution list
• Widgets: Home-screen widgets on both platforms
• Shortcuts: iOS Shortcuts integration for quick transaction logging

Support

For support, please contact us at apps@dataconsultingservices.net