Stop losing money to
fees, interest & subscriptions
SteadyFi watches your accounts 24/7, warns you before fees hit, optimizes your debt payoff, and hands you word-for-word scripts to negotiate lower rates. You make the call — and keep 100% of what you save.
Read-only access · your data is never sold and never used to train AI · how we handle your data
What SteadyFi watches for — 24/7
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Fees before they hit
overdraft, late & annual fees flagged ahead of the due date
📉
Interest you can cut
high-APR balances and 0% intro periods about to expire
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Subscriptions you forgot
recurring charges surfaced so you can cancel the ones you don’t use
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Rates you can negotiate
word-for-word scripts, using your payment history as leverage
Americans paid $5.8 billion in overdraft and NSF fees in 2023, and about 1 in 4 households were charged one that year. SteadyFi's job is to catch them before they land. Source: CFPB, 2023
See It In Action
Your money, this month
One glance: can you cover your bills, and what’s about to cost you money — flagged before it hits.
💵 Your Money This Month
October 2026 · 6 days left
Left to spend
+$180
Cutting it close — go easy for 6 days
$35 overdraft likely Oct 29. Rent clears before payday — move $200 from savings to dodge it.
Chase 0% APR ends in 23 days. $2,100 starts accruing at 24.9% — here’s the payoff plan.
Money Flow — October 2026
Rent
-$1,450
Credit Card
-$620
Auto Loan
-$500
Utilities
-$410
Sample view — your actual data will reflect your connected accounts.
Everything you need to protect your money
Four powerful tools working together to stop financial leakage before it happens
Fee & Interest Firewall
Proactive alerts before fees hit. Get warned about utilization spikes, payment due dates, APR expiry, and free trial endings — before they cost you.
Subscription Audit & Cancellation
Every recurring charge surfaced and analyzed. See what you're paying monthly, spot the ones you forgot, and get a ready-to-send cancellation message for each.
Debt Avalanche Optimizer
Enter your debts and get a mathematically optimal payoff plan. Pay minimums on everything, destroy the highest-APR debt first, become debt-free faster.
Negotiation Scripts
AI-generated word-for-word phone scripts to waive late fees, lower your APR, increase credit limits, and eliminate annual fees using your payment history as leverage.
Spending Insights & Budgets
Beautiful charts showing exactly where your money goes every month, automatically categorized by AI. Set smart budgets in one click.
AI Financial Advisor Chat
Ask anything — "Can I afford this?", "Where am I overspending?", "How do I get this fee waived?" — and get personalized answers backed by your real data.
Up and running in 60 seconds
No complicated setup. No spreadsheets. Just connect and go.
Connect your accounts
Securely link your bank accounts and credit cards via Plaid — the same technology used by Venmo and Coinbase.
AI scans for risks & savings
SteadyFi analyzes your transactions, balances, and due dates to find every dollar you're losing.
Take action with guided tools
Get proactive alerts, optimized payment plans, and negotiation scripts personalized to your accounts.
SteadyFi monitors 24/7
Automatic syncing keeps you ahead of fees, APR jumps, and unused subscriptions — we watch while you live your life.
🛡️
Start protecting
your money today
SteadyFi is in private beta — we’re onboarding users in small batches. Join the waitlist and we’ll send your invite.
Join the waitlist →Read-only bank access · Powered by Plaid · Cancel your membership anytime