Stay Steady - Track Spending

Take control of your finances with Stay Steady — the privacy-first budget app from Belgium, in your own currency. Free forever. FREE, FOR EVERYONE Every feature is unlocked from day one. No subscription, no paywall, no ads. We built this to help you stay steady — not to charge you. IMPORT FROM ANY BANK Drop a CSV, OFX, CODA or MT940 file from your bank and watch as Stay Steady automatically detects your bank's format, parses transactions, and categorizes them with AI. Full support for Crelan, Belfius, BNP Paribas Fortis, KBC, ING, and Argenta. YOUR OWN CURRENCY Choose your currency when you start: dollar, pound, euro or any of 159. Each environment can have its own. Nothing is converted, and no total mixes two currencies. AI-POWERED CATEGORIZATION Our on-device machine learning model recognizes merchants across 34 categories and 145+ subcategories. Correct a category once, and it learns — then offers to apply it to all similar transactions. It knows Belgian and European merchants best, plus the big US and UK chains; elsewhere your corrections do more of the work. One shop, two kinds of spending? Answer "Only when…" and the rule looks at the text or the amount: fuel at the supermarket's pump goes to Car, the groceries stay under Groceries. RECEIPT SCANNING Snap a photo of any receipt. Vision OCR extracts the merchant, amount, and date instantly. Perfect for cash purchases. SAVINGS GOALS Set goals for vacations, emergency funds, or big purchases. Link transactions to goals and track progress with visual savings jars and smart nudges. BUDGET LIMITS & ALERTS Set monthly limits per category. Get alerts at 80% and when you exceed your budget. Track everything with the home screen widget. FINANCIAL ENVIRONMENTS Keep your household, your company and your club apart. Every account belongs to exactly one environment and no analysis ever mixes them — a company invoice can no longer distort your personal savings rate. Switch with one tap; budgets, goals and rules follow. NET WORTH, DOWN TO THE POSITION See what you own and what you owe. An investment or pension item can hold positions: a name, a quantity and a price. Type the price, or tap Refresh prices to fetch it from a price source you set up yourself. Only the symbols go to that source; quantities and values stay on your device. SPENDING INSIGHTS Interactive charts, year-over-year comparisons, spending forecasts, and financial health scores. Tap any category in the donut chart to see transaction details. CONVERSATIONAL INSIGHTS Ask about your spending in natural language using Apple Intelligence (iOS 26+). "Where did I spend the most?" Quick insight buttons available on all devices. PRIVACY FIRST • No account required — just download and start • All data stays on your device • No ads, no tracking — analytics are off unless you turn them on • No subscription — free forever • Optional iCloud sync (disabled by default) • Category corrections are shared only when you sign in Available in English, Dutch, French, German, and Spanish. Stay Steady. Stay in control.