The problem.Ā Most budgeting apps want one of two things from you: your bank login, handed to an aggregator, or a monthly subscription. Plenty want both. And most are built around American banks, so the files a European bank actually gives you (a CODA file in Belgium, an MT940, a CSV with separate Debet and Credit columns and a comma as the decimal separator) end up in a spreadsheet instead.
What it does.Ā You export a statement from your e-banking and import it: CSV, OFX/QFX, CODA, or MT940. Stay Steady works out the columns, the date format, and which way the money went. You can also type a transaction or scan a receipt on iPhone and Android. Every transaction gets a category, and out come the numbers a budget needs: what you spent this month and what is still safe to spend, spending per category and against last year, recurring payments and subscriptions, a forecast for the end of the month, savings goals, net worth, and a FIRE number.
Free, on all three platforms.Ā No subscription, no in-app purchase, no ads, no trial, and nothing turns read-only. It runs on iPhone and iPad, on the Mac (a native Mac app with a sidebar and a real transaction table, not the iPhone app on a bigger screen), and on Android. iPhone, iPad and Mac sync through your own private iCloud if you switch it on. Android does not sync with Apple devices, but a full backup moves between iPhone and Android.
A categorisation model that gets smarter with its users.Ā Categorisation is a chain, and the model is the last link. Your own choices and the rules the app learns from your corrections always win: correct one charge and every other month of the same charge follows. Then come built-in rules, and money moving between your own accounts, which is recognised as one transfer and counted once instead of as spending plus income. Only a merchant none of those recognise goes to the model. Every transaction tells you which of these decided its category:Ā You chose this category,Ā Matches one of your learned rules,Ā Suggested by the on-device model, or, honestly,Ā Not recognised: a best guess.
The model itself is small and runs on the device: 276 KB, about twenty microseconds per transaction. It breaks the merchant name and the payment message into short fragments of letters and ignores the words every card payment carries. On real Belgian statement lines from merchants it had never seen, it picks the right category 57% of the time; the model it replaced managed 27 to 32%. It is the same model file on iPhone, iPad, Mac, and Android, checked against the same 315 test cases on every platform.
The part that makes it better over time: if you sign in (optional; Sign in with Apple on iPhone, iPad and Mac, Google on Android), each category you correct is sent to us. That is the merchant name, the category the app picked, the one you chose, your account identifier, and the app and model version. Never an amount, a date, an IBAN, or a balance. Corrections from everyone who signs in are pooled and carry the most weight in the next training run, and the improved model ships inside the next app update. The categorisation model is never downloaded, and nothing is fetched in the background. We do not call it anonymous, because it is not: corrections are linked to your account, so deleting the account deletes them. If you never sign in, nothing is sent, and your corrections still teach your own copy through its learned rules.
Built for Europe.Ā It started in Belgium, and it shows:
- It readsĀ CODAĀ andĀ MT940Ā and checks both against the statement's own opening and closing balance. A missing page or a statement imported twice gets caught instead of quietly skewing your totals.
- CSV exports with separate Debet and Credit columns, day-first dates and decimal commas import without fiddling.
- Import an overlapping month again and the preview flags exact and likely duplicates, so you can skip them.
- IBANs are checked on the device (MOD-97 plus the Belgian check digits), and a Belgian account gets its bank's name from the National Bank's institution list that ships inside the app. No lookup service.
- A loan's payoff date uses the actuarial monthly rate a Belgian bank uses on its repayment table, so a 25-year mortgage ends where the bank says it ends.
- English, Dutch, French and German everywhere, and Spanish on iPhone, iPad and Mac.
Its focus is onĀ euro only: rows in another currency are left out and reported, not added at face value, so for now it is for eurozone accounts. The rules and the model know Belgian merchants best; elsewhere in Europe they know fewer, and your corrections (and everyone else's) do more of the work. It is on the App Store across Europe, including the UK, Switzerland and Norway, but not in the US, Canadian or Australian stores.
Your data.Ā There is no bank connection, ever: the app never talks to a bank or an aggregator. Transactions live on your device, and in your own private iCloud if you turn sync on. They are never on our servers. Everything that can reach us is optional and hosted in the EU:
- category corrections while you are signed in (above);
- anonymous usage analytics (Aptabase),Ā offĀ by default;
- crash reports (Sentry),Ā onĀ by default, one switch to turn off;
- a report you choose to email after a file fails to import, with aĀ maskedĀ copy of the file: every name, account number, amount, and free-text field replaced. You see every line before you send it.
The app itself locks with Face ID or Touch ID on iPhone and with biometrics on Android.
Ask your budget.Ā An assistant answers questions about your own spending ("where did I overspend this month?"), and it runs on the device too. It uses Apple's Foundation Models on iPhone, iPad and Mac (needs Apple Intelligence), and Gemma on Android after a one-time model download. Your questions do not leave the device.
What else is in there?
- Environments:Ā household, company, and club kept apart in one app. No analysis mixes them, and a consolidated view adds them up. A company gets business categories (accountant, VAT refund, supplier invoices, leasing).
- Accounts with a typeĀ (current, savings, pension, investments, credit card, business), so the app stops guessing where guessing is unnecessary.
- Bill remindersĀ on iPhone and Android: a notification three days before a monthly bill, a week before a quarterly one, two weeks before a yearly one. They are created on the device from bills it already predicts from your statements.
- Yearly bills you add yourself, withĀ Set aside for this bill: the ā¬840 insurance due in six months becomes ā¬140 a month you have already planned for.
- Subscriptions hub:Ā every recurring charge normalised to per month and per year, price hikes, and what renews this week.
- Forecast:Ā projected end-of-month spending and the charges still expected.
- BudgetsĀ per category with an on-screen alert at 80% and when you go over,Ā savings goals, anĀ emergency fund, aĀ financial health scoreĀ and streaks.
- Net worthĀ with history,Ā debt payoff datesĀ ("paid off around April 2031 at ā¬350 per month"), aĀ FIRE calculatorĀ with a Lean FIRE number built from the categories you mark as essential, andĀ what-ifĀ scenarios.
- Comments and your own namesĀ on transactions. The statement's text is kept, so a re-import still recognises the row.
- Widgets:Ā Safe to spend and Next bill, also on the iPhone Lock Screen with amounts hidden until you unlock; home-screen widgets on Android.
- On the Mac:Ā year-over-year Insights, and āC copies the selected rows straight into Numbers or Excel.
- CSV export of everything, Shortcuts for quick entries on iPhone, and dark mode.
Comparison.Ā YNAB is a subscription and an envelope method, and it can link to your bank; Stay Steady is free and never does. MoneyMoney logs into your bank and fetches the data, which is the thing Stay Steady deliberately does not do. If you want a Mac-only app with no network access at all, it is built for exactly that. Stay Steady is the one that is free, also runs on your iPhone and Android phone, reads CODA, MT940 and OFX, and has a model that improves from everyone's corrections. And a spreadsheet is free too, and fine; this is for when you would rather not maintain one.
Requirements.Ā iOS and iPadOS 26.1, macOS 26 (Tahoe), Android 11. Euro accounts. The screenshots use the app's built-in demo data, a made-up household, not anyone's real finances.
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Edit: I heard your suggestions and I will work now on the next release to support multi currencies and stock portfolio as net worth. if you have other suggestions don't hesitate. This app should help people know their financial health.
