Actively building — join the waitlist
0  people already on the waitlist

One number.
Exactly what you
can spend each month.

You've checked your balance a hundred times and still spent the month guessing. Not because you're bad with money — because every finance app out there was built for a predictable paycheck. Steady was built for everyone else.

Reserve your spot → See it in action
No budgeting required No spreadsheets 14-day free trial
TH
Safe Monthly Spend
$3,842
Based on your income pattern, cushion & taxes.
Months covered
4.2 months
On track
Slow-month cushion
$12,450
Protected
Tax reserve
$2,108
Q2 due soon
Home
Coverage
Allocate
Why
Interactive demo

See exactly how it works

This is the real math behind Steady. Every number is live — change anything and watch it recalculate instantly.

9:41
Steady
TH
Safe Monthly Spend
$3,842
Based on your income pattern, tax reserve, and slow-month cushion.
Include taxes
On — Recommended
Months covered
4.2 months
Protected
Slow-month cushion
$12,450
Protected
Tax reserve
$1,178
On track
1 upcoming income entry
+$2,843 expected next month
›

If no new income came in today, here's how long your cushion would carry you.

4.2 months covered

You're protected through mid-July. Target is 6 months.

What gives you more coverage

    You just got paid $8,000. Here's how Steady recommends splitting it.

    Spend now
    Your usable monthly amount
    $3,842
    Add to your cushion
    Your slow-month protection fund
    $1,830
    Reserve for taxes
    No surprises at tax time
    $2,328

    Here's the plain explanation behind $3,842.

    Income stability

    Your income varies more than a standard paycheck, so Steady blends your strong and slow months into one safer recommendation.

    Building your cushion

    $1,830 is going into your slow-month cushion so a quieter stretch ahead doesn't force hard choices.

    Tax reserve

    $2,328 is being set aside so your balance reflects what's actually yours to spend.

    Add upcoming work you expect to get paid for — and see exactly how it changes your picture before the money arrives.

    Upcoming work — Jun 3–7
    5 days  ·  Payment ~Jun 30
    Guaranteed
    $3,750 Expected earnings
    Tax reserve
    $1,092
    Net to you
    $2,658
    To cushion
    $185
    How sure are you?
    Effect on next month
    Baseline safe spend $3,842
    From this job (100%) +$2,843
    $6,685 projected next month
    The problem

    Most money tools weren't built for how you actually get paid

    They assume your income shows up like clockwork. For most people reading this, it doesn't.

    • 01 Your income changes every month. Your rent, your subscriptions, your insurance? They don't.
    • 02 Good months create false confidence. You see money in the account and assume you're fine, not realizing slow months are coming.
    • 03 Slow months create real panic. You're scrambling to cover the same expenses, except this time income didn't show up.
    • 04 Budgeting apps don't solve this. Tracking where money went is not the same as knowing how much is actually safe to spend.
    • 05 Taxes sneak up on you. Without a clear reserve, your cash looks more spendable than it really is.

    The problem isn't tracking your spending. The problem is knowing what's truly safe.

    • Steady accounts for income volatility, not just averages
    • Builds in a real slow-month cushion before giving you a spend number
    • Reserves taxes so your balance reflects reality
    • Shows you how many months you're covered so slow months don't blindside you
    • Tells you exactly what to do the moment income hits
    Why this exists Tyler Hunt
    Tyler Hunt
    Camera Operator & Founder of Steady

    I've worked in live sports broadcast since 2014 — production assistant, utility, audio, fiber, camera operator. The roles changed. The paycheck never did. No matter what I was doing or how much work came in, one thing stayed constant: I never knew what I was actually going to make that month, or more importantly, what was safe for me to spend.

    For years I had the same problem. I'd have a big month, feel great about where things were, spend a little more freely, and then a slow stretch would hit and I'd be stressed covering the same bills I always had.

    It wasn't that I wasn't earning enough. It was that I had no system for figuring out what was actually safe to spend. I'd check my bank account, see a number, and have no idea if that number was real or if half of it was already spoken for by taxes and next month's bills.

    I tried every app out there. None of them were built for how I actually get paid. They all assumed a consistent paycheck. So I built the thing I needed.

    Steady gives you one number: what's actually safe to spend this month, without putting yourself in a bad spot later. I built this because I was you. I still am.

    59M+
    freelancers and independent workers in the US. Every major budgeting app was built for a salaried employee.
    How it works

    One number changes everything

    Steady takes your income history, your expenses, your taxes, and your slow-month cushion, and turns all of it into one clear answer.

    1
    Connect your bank and import your income automatically
    Steady uses Plaid to securely connect to your bank and import your income history automatically. Prefer to enter manually? That works too.
    2
    Steady smooths out the highs and lows
    Strong months and slow months get blended together. Your number reflects reality, not just what happened to come in this week.
    3
    You get your Safe Monthly Spend
    One number, plus how many months you're covered, your tax reserve, a clear breakdown of what to do the moment new income hits, and a forward view of confirmed work ahead — so your number reflects reality, not just what's already arrived.
    Quick answers

    The questions you're probably thinking

    Does this app actually exist yet?

    Not yet. Steady is in development right now. Signing up puts you on the list to be notified at launch — and gives you the option to lock in founding pricing that disappears once the product goes public. There is no charge until the product ships. At launch, Steady will be $10/month or $96/year with a 14-day free trial. Founding members lock in $5/month permanently.

    What if you never finish building it?

    If Steady never launches, you owe nothing. Founding members are only charged once the product is live and they have confirmed access. There's no risk to signing up.

    Will this connect to my bank account?

    Yes — Steady uses Plaid to securely connect to your bank and import your income history automatically. No manual entry required. Your transaction history comes in on its own so your safe spend number is always based on real data.

    How is this different from apps like Mint or YNAB?

    Every major budgeting app assumes your income is roughly the same every month. They're built for a salaried employee. Steady is built specifically for when your income isn't predictable — it accounts for your income swings, sets aside taxes automatically, and gives you one number that's actually safe to spend rather than asking you to track every category.

    Who built this and why should I trust it?

    I built Steady because I needed it and nothing else existed. I work in live sports broadcast with variable income and got tired of guessing. I'm building it publicly and sharing progress with everyone on the waitlist. You can read my full story above.

    How much does Steady cost?

    When Steady launches it will be $10/month or $96/year with a 14-day free trial, no credit card required. Founding members get $5/month locked for life — to secure that rate, you'll enter a card now, but nothing is charged until Steady ships. If the app never launches, your card is never charged. Simple as that.

    Waitlist now open

    Get in line before this is built

    Steady is still in development. Drop your email to claim your spot.

    Founding members get $5/month locked for life — everyone else pays $10 at launch.

    ✓  14-day free trial ✓  No spam, ever ✓  10 seconds to sign up
    Reserve your spot →

    Still guessing what
    you can actually spend?

    Steady is being built for people whose income doesn't follow a schedule. Drop your email and I'll let you know when it's ready.