Know exactly how much you can spend each month - even with unpredictable income
Steady gives freelancers, contractors, gig workers, and commission-based earners one trusted number — exactly how much they can safely spend this month.
Based on your income volatility, taxes, and safety buffer.
Most money tools weren’t built for how you actually get paid
Budgeting apps assume stable paychecks. Real life does not. Some months you make a lot. Some months you barely make anything. The problem is not tracking your spending. The problem is knowing what is truly safe.
One number changes everything
Steady analyzes income, expenses, taxes, and your safety buffer to calculate your Safe Monthly Spend — the amount you can use without creating future stress.
Connect accounts or enter income manually
Start simple. Manual entry works. Bank sync comes later for full automation.
We smooth your income and account for volatility
Strong months and slow months are blended into one safer monthly recommendation.
You get your Safe Monthly Spend
One number, plus runway, tax reserve, and what to do when money hits.
Preview how Steady will work in under 30 seconds
This is a simplified preview of the experience — the full product goes much deeper. Full version includes automation, tax planning, and advanced financial insights.
Steady
Based on your income volatility, tax reserve, and safety buffer.
Runway
Even if no new income arrives, you are currently protected until mid-July.
Income Allocation
Steady recommends this split to keep you on track.
Why this number
Your income swings more than a normal paycheck, so Steady smooths strong months and weak months into one safer recommendation.
$980 is being directed toward your cushion so slower periods do not force panic cuts.
$1,178 is being reserved so the money in your account does not look more spendable than it really is.
What would make this app more useful for you?
Have an idea, feature request, pain point, or edge case? Tell us.
Built for people whose income changes month to month
Freelancers & contractors
For anyone juggling multiple clients, invoices, or uneven project income.
Commission-based jobs
When your best month and worst month look completely different.
Creators & side hustlers
For income that comes in waves, not on a perfect schedule.
Anyone with variable income
If your paycheck changes, Steady is built to tell you what is actually safe.
Reserve founder access before launch
Free to follow along. Paid to lock in founder pricing before launch.
- Early launch updates
- Free product announcements
- Access to the free tier at launch
- Chance to give feedback before launch
- Core Safe Spend system
- Runway tracking
- Buffer building guidance
- Income allocation recommendations
- Multiple spending modes (Conservative / Balanced / Aggressive)
- Founder pricing locked in
- Everything in Plus
- Automatically split income into spend/save/tax
- Never get surprised by taxes again
- Turn inconsistent income into a steady monthly “paycheck”
- See future scenarios before you make decisions
- Know when it’s actually safe to invest extra income
- Priority access to every new feature we launch
Built to grow with you
We’re building more than a budgeting tool — Steady is becoming a full financial operating system for variable income.
Automated saving + transfers
Move money into your buffer and tax accounts automatically when income hits.
Smart tax planning
Real-time tax estimates, set-asides, and quarterly payment guidance.
Investing that respects stability
Only invest extra income when your buffer and runway are already protected.
Income smoothing
Turn irregular income into a more consistent paycheck-style plan.
Credit built for variable earners
Future lending and credit products based on real earning patterns, not just W2s.
Full automation
From income to allocation to saving to taxes — handled with far less manual work.
Built from real life — not theory
I’m a live sports camera operator. My income changes constantly.
Some months are packed with work. Others are slow. And for years, I had the same problem:
I never knew what I could actually spend, save, or invest without putting myself in a bad spot later.
I’d have a big month and feel like I was doing great. Then a slower stretch would hit, and suddenly I was stressed about covering normal expenses and bills.
Not because I wasn’t making enough — but because I didn’t have a clear system for what was actually safe.
Every tool I tried assumed a steady paycheck. None of them worked for how I actually get paid.
So I built Steady.
what’s actually safe to spend this month — without screwing over your future self.
Join the Steady waitlist
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