The budget app for people whose paycheck isn't.
Steady is the budget app built for irregular income. Log what you actually made, fund what actually matters, and stop pretending every month looks the same.
No credit card. No bank login required. Your data never leaves this device.
Your income isn't regular.
Why is your budget app?
Every budgeting app on earth assumes you get paid on the 1st and the 15th. Here's what life actually looks like for the 36% of workers who gig, freelance, or run seasonal work:
You budget the money you hope to make.
Other apps make you plan the whole month on day one. But you don't know what you'll make yet. So you're "budgeting" with fantasy numbers, and by the 12th the whole plan is a lie.
A good month tricks you. A bad month crushes you.
$6,000 in April means you splurge a little. $1,200 in May means you're choosing between the electric bill and groceries. The feast-famine cycle isn't a discipline problem — it's a planning problem.
Your app shouldn't make you feel like a failure.
Red numbers. Overspent warnings. "You blew your dining budget." Buddy, you didn't blow anything — the money just wasn't there. A budget that scolds you for your income isn't a tool. It's a bully.
Steady starts from the money you actually have. Not the money you wish you had.
Three steps. No finance degree required.
Set it up once in about two minutes. Then check one number a day.
No zero-based budgeting. No envelope math homework. No system to "learn." If you can rank a to-do list, you can use Steady.
Built for the way you actually get paid.
Why people switch — and what we're honest about
We're not here to trash the other guys. Plenty of people love them. But they were built for paychecks that show up on schedule. Here's the real difference.
| Steady | YNAB | EveryDollar |
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Free until it's worth paying for.
Start free. Upgrade when Steady has already paid for itself.
Cancel in two clicks, anytime. No "are you sure?" maze. No dark patterns. We're a budget app — we should respect your money, including the money you give us.
People who stopped pretending their income is regular.
Illustrative stories based on common experiences of irregular-income workers.
Fair questions. Straight answers.
Stop budgeting like you have a salary.
See what changes when your budget starts from the money you actually have.
How does your money show up?
Pick whatever fits — you can add more later. No wrong answers here.
Got money recently? Log it.
Any payment counts — last week's gig, yesterday's tips, this morning's transfer. This is how Steady learns your real income pattern, so your budget starts from facts instead of forecasts.
What absolutely has to get paid?
Rent, lights, groceries, insurance — the non-negotiables. Don't overthink it; you can reorder and edit anytime.
Here's your monthly nut 🌰
This is what it costs to run your life for one month. Every dollar above this in a good month goes toward your buffer.
Good morning 👋
as of today
Income this month
Buffer ? Your buffer is months of expenses saved. In a good month, 50% of income above your baseline flows here automatically.
Upcoming bills · next 14 days
Can I afford this?
PLUSThe 10-second gut check. Enter any price, get a straight verdict with the math shown.
3 free checks included — unlimited with Plus.
Income log 💰
Every dollar in, recorded. Steady learns your patterns from this — the more you log, the smarter it gets.
Monthly totals
All entries
Bills & baseline 🧾
Your monthly nut is the cost of running your life for one month. Keep it honest — this number drives everything.
Monthly bills
Variable spending
Buffer target ? How many months of expenses you want saved. 3 months is the classic goal for irregular earners; 6 if your work is very seasonal.
Can I afford this?
Tell us the price and what it's for. We'll run the math against your safe-to-spend number and give you a straight answer.
You've used your 3 free checks
The 10-second gut check is Steady's most-loved feature. Plus members get unlimited verdicts with the full math shown — every impulse, every big decision, anytime.
- ✅ Unlimited "Can I afford this?" checks
- 📈 Advanced income insights — trends & year-to-date
- 👨👩👧 Household sharing for two
- ⚡ Priority support
Free forever for the core budget. Plus is $8/mo or $79/yr.
Verdicts are guidance, not financial advice. Big decisions deserve a second opinion.
See the math in action
Real situations, real numbers — eight calls Steady would make, with the reasoning shown. Tap one to try its amount against your own budget.
The irregular-income playbook
Short, practical lessons for people whose income doesn't sit still.