# Stay Steady - Track Spending — Budget Tracker & Savings Goals

> Budget Tracker & Savings Goals (iPhone/iPad app by Data Consulting Services.)

- Source: https://appshunter.io/ios/app/stay-steady-track-spending/id6761267044 (this page in markdown: same URL + `.md`)
- Developer: [Data Consulting Services](https://appshunter.io/developer/1860300292)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 26.1 · 36 MB
- Languages: American English, Dutch, European Spanish, German (Germany), French (France)
- Released: 2026-05-17
- Data updated: 2026-10-25

## What is Stay Steady?

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.

## Is Stay Steady safe?

Not enough ratings yet to assess Stay Steady.

## Is Stay Steady legit?

Stay Steady - Track Spending appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Stay Steady is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.3.1 — 2026-10-19

Stay Steady 2.3.1

• Your accounts open at once, even with thousands of transactions. That screen could hang for up to twenty seconds.
• Correcting a category, editing a transaction or importing a file no longer makes the app wait.
• Card payments reading "CRF EXP" are recognised as Carrefour Express, and a university college (hogeschool) is filed under Education > Tuition instead of School.

### 2.3.0 — 2026-10-17

Stay Steady 2.3

• Fetch your transactions: if you subscribe to a service that passes on your bank transactions, connect it in Settings > Connection to a service and tap Fetch now. You sign in to your bank at that service, never in the app. Rows that look like rows you already have wait until you choose. The question mark explains how it works.
• The import preview shows each row's category and why. Tap a row to choose another; the app remembers it for next time.
• Potential duplicates are now really left out, as the preview said. Want them anyway? Turn on Import potential duplicates too.
• An import says how many rows it could not read.
• Balance forecast in Insights: your balance over a month, three months or a year, with its lowest point.
• Low balance warning: a notification three days before an account is expected to drop below zero. Turn it on in Settings > Notifications.
• Safe to spend on your widgets now also subtracts the bills still to come this month.
• CSV export: include your own names and comments when you ask for them. A custom category appears in the file by its name.
• Delete a transaction from the menu you get by touching and holding it in the Journal.
• Changes from your other devices arrive while the app is open.
• Financial Health is for the month you are looking at.
• Give a goal a share of your income, and the Journal now shows it.
• After a change through iCloud the app could hang for a moment. That is fixed.

### 2.2.0 — 2026-10-10

Stay Steady 2.2

• Positions in net worth: an investment or pension item can now hold positions, each with a name, a quantity and a price. The item is worth their sum, and Net Worth and Financial Independence follow.
• Prices your way: type a price, or tap Refresh prices to fetch them from a price source you set up yourself: Alpha Vantage, EODHD or Twelve Data with your own key, or an address of your own. A price in another currency is converted with the ECB's daily rate. Only the symbols of your positions go to that source; quantities and values stay on your iPhone.
• When a price is older than 30 days, Net Worth and Financial Independence say so.
• Rules with a condition: one shop, two kinds of spending? After a correction, answer "Only when…". The rule looks at the text the bank wrote or at the amount, shows how many transactions it will move before you save, and goes before the shop's ordinary rule.
• Both kinds of rule are under Settings > Category Rules. Open a rule with a condition to change it, and swipe a rule to remove it; removing a rule did not work on iPhone before.
• A correction you turn into a rule with a condition is not shared.
• A shorter start: someone new to Stay Steady gets four screens now: a welcome, the currency, the first file, and the choice to share anonymous usage data.

### 2.1.0 — 2026-10-06

Stay Steady 2.1

• Ihre eigene Währung: Wählen Sie sie beim Start, in Dollar, Pfund, Euro oder einer von 159 Währungen. Jede Umgebung kann ihre eigene haben, und jeder Betrag, jedes Widget und jeder Bericht folgt. Es wird nichts umgerechnet, und keine Summe mischt zwei Währungen.
• Importe von mehr Banken: Datumsangaben mit dem Monat zuerst, englische Spaltennamen, eine Soll/Haben-Spalte, Kartenabrechnungen, in denen ein Kauf eine positive Zahl ist, und der Export von Revolut. Enthält eine Datei Zeilen in einer anderen Währung, wählen Sie das Konto, auf das sie kommen.
• Kategorien außerhalb Belgiens: Das Modell auf Ihrem iPhone liest jetzt auch Englisch, und die eingebauten Regeln kennen die großen Ketten aus den USA und Großbritannien. Beim ersten Start ordnet Stay Steady die Transaktionen, die es selbst eingeordnet hat, einmal neu ein; was Sie selbst gewählt haben, bleibt, wie es ist.
• Hilfe mit der Datei Ihrer Bank: ein Tipp dort, wo ein Import beginnt, und eine Hilfeseite, die sagt, wo eine Bank ihren Export bereithält.
• Steuern: Körperschaftsteuer und Vorauszahlungen haben eigene Unterkategorien.
• Jetzt auch in den USA, Kanada, Australien, Neuseeland und Singapur.

### 2.0.0 — 2026-09-30

Stay Steady 2.0

• Reminders: get a notification before a regular bill is due. Add yearly bills yourself, with an optional monthly set-aside, so the big ones don't catch you out.
• Widgets: Safe to spend now also on your Lock Screen, and a new Next bill widget. Amounts stay hidden until your iPhone is unlocked.
• Comments: give any transaction a note or your own name.
• Better categories: a new model, entirely on your iPhone, suggests categories more accurately, and the app tells you why. Bancontact card payments are no longer filed as Cash. On first launch, Stay Steady re-files the transactions it categorised itself, once; what you chose yourself stays as it is.
• Debts: enter a loan's rate and monthly payment and see when it will be paid off.
• FIRE: mark which spending is essential. Lean FIRE uses it, and FIRE now averages your last 12 months instead of 3, so your number may move.
• Imports: CODA and MT940 files are checked against the statement's balances. Rows in another currency are skipped instead of being counted as euros. If a file won't import, you can send support a masked copy, which you see first.

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All apps by Data Consulting Services: https://appshunter.io/developer/1860300292

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-25.*