Steady is a personal finance software tool. Nothing on the Steady platform, website, or in any communication from us constitutes financial advice, investment advice, tax advice, accounting advice, or legal advice.
The Safe Monthly Spend number, runway calculations, income allocation recommendations, and any other outputs from the Service are generated by an algorithm based on information you provide. They are estimates and tools for reflection, not professional recommendations.
We are not a Registered Investment Advisor (RIA), broker-dealer, bank, credit union, insurance company, or any other type of licensed financial institution. We are not regulated by FINRA, the SEC, the FDIC, or any comparable financial regulatory body.
Steady's recommendations are based on a methodology we've developed to help people with variable income make more consistent spending decisions. This methodology involves:
These calculations depend entirely on the accuracy of the data you enter. If your income figures are incomplete, incorrect, or not representative of your actual situation, the outputs will not be accurate. Garbage in, garbage out.
The tax estimates Steady generates are rough approximations to help you set aside funds. They are not a substitute for working with a qualified tax professional, particularly if you have complex income sources, deductions, dependents, or other individual circumstances.
Using Steady does not guarantee any particular financial outcome. Your income, expenses, tax liability, and overall financial health depend on countless factors that the Service cannot account for or predict.
Past income is not a guarantee of future income. Steady uses historical data to project forward-looking guidance, but life changes. If your income situation changes significantly, you should update your data in the app and revisit your numbers. Do not rely on an outdated Safe Monthly Spend number as if it still reflects your current situation.
Steady will not prevent you from overspending, missing tax payments, or encountering financial hardship. The tool is designed to give you better information. What you do with that information is always your responsibility.
Any tax-related information or estimates provided by Steady are for informational purposes only. They should not be relied upon as tax advice and should not replace consultation with a qualified tax professional or CPA.
Tax laws are complex, vary by jurisdiction, and change frequently. Factors including your filing status, state and local taxes, deductions, retirement contributions, and other variables can significantly affect your actual tax liability in ways that Steady does not and cannot account for in its estimates.
We strongly encourage all users to work with a qualified tax professional for tax planning and preparation.
Any references to investing within Steady, including features that indicate when it may be "safe to invest" surplus income, are general informational guidance based on the stability of your buffer and runway. They are not personalized investment recommendations.
Steady does not manage investments, recommend specific securities, or assess your individual risk tolerance, time horizon, or investment goals. Any decision to invest should be made in consultation with a licensed investment professional.
If Steady integrates with third-party financial institutions or data aggregators (such as bank sync features), those connections are governed by the terms and privacy policies of those third parties. Steady is not responsible for the accuracy of data provided by third-party sources or for any actions taken by those institutions.
Steady is a starting point, not a finish line. We encourage you to work with qualified professionals for:
If you're in a difficult financial situation, please reach out to a qualified advisor. Steady can help you understand your numbers, but human guidance matters in hard moments.
We're happy to explain our methodology in plain terms. Just ask.