Sailors steer by the one light that does not move.
One stable fee, every monthNo products, no commissions, no surprises. One number, and every rand of it with a job.No products, no commissions, no surprises. One number, every rand of it with a job.
A personalised financial planBuilt around your life and your business, every move explained, revised as your life moves.
Real tools, real advice, automated financesPayday cycles that run themselves, and counsel that helps you become the best version of yourself, so you can focus on what really matters.Payday cycles that run themselves, and counsel that helps you become the best version of yourself.
Steady through the storm.
Sailors steer by the one light that does not move. Steady is the point you steer by.
Why Steady
Hyper-personalised finance for the things that matter to you.
Banks and apps sort people into brackets and sell them products. Steady starts from the other end: your actual life, your actual business, what cannot miss and what you are building, and builds the money around that. A plan with a reason beside every line. An advisor who knows your name and your story. Automation that runs the boring parts. A club that funds the people in the room. That is what makes Steady different, and it is why membership is earned, not bought.Banks and apps sort people into brackets and sell them products. Steady starts from your actual life, your actual business, what cannot miss and what you are building, and builds the money around that.
01
Personalised, not genericYour plan is built from your statements, your goals and your business, not a bracket.
02
Executed, not just plannedAutomation runs the plan on payday. You do not have to remember anything.
03
A relationship, not a call centreEight members per advisor. The same person, every month, for years.
04
A community, not a customer baseClub 25: member-owned, member-run, built to fund the businesses in the room.
The fee
One fixed fee. Counsel and ongoing advice for your personal life and your business.
A fixed fee gets you counselling and ongoing advisory services for both your personal and business life. Build an emergency fund, diversify, or just prepare for the next chapter. Invest in the success of other people walking the same journey as you. With Steady we redefine finances, and what winning looks like.A fixed fee gets you counselling and ongoing advisory services for both your personal and business life. Build an emergency fund, diversify, or prepare for the next chapter. Invest in the success of people walking the same journey as you. With Steady we redefine finances, and what winning looks like.
R4,000a month · founders, for life
Your advisor and teampersonal and business
Your personalised planrevised every monthrevised monthly
Automated paymentsevery payday cycleevery payday
Your stake in Club 25R1,700 a month, in your nameR1,700, in your name
Legal essentialswill, living will, power of attorneywill, living will, POA
Private banking, without the bankone hub for all of itone hub
Automation
Automate your payments. Reduce the stress. Focus on what really matters.
01
Automated payments
Your salary lands and your plan runs it: bills paid, savings moved, your stake funded, your card loaded. One notification, then nothing to do.Your salary lands and your plan runs it: bills, savings, your stake, your card. One notification, then nothing to do.
02
Review day
Coffee on us. Forty-five minutes with the person who knows your plan. Decisions logged, next steps dated.Coffee on us. Forty-five minutes with the person who knows your plan.
03
Before you decide
A car, a trip, a slow month. Tell your advisor first, get an instant read on what it does to your goals, and a reply within a working day.Tell your advisor first, get an instant read, and a reply within a working day.
04
Month-end
One page: what changed, what moved, what is next. Prepared by Steady, reviewed by your advisor.One page: what changed, what moved, what is next.
Club 25
A community that funds the people in the room.
Small-business funding is hard to get. Let Steady help you get there.
01
Your stake grows
R1,700 of your fee goes into the club in your name. By month six you hold R10,200. By year end, R20,400.R1,700 of your fee goes into the club in your name. R10,200 by month six, R20,400 by year end.
02
Borrow from each other
Half from your stake, half from members who choose to lend. Interest paid upfront to them, not to a bank. Repaid from your contribution, nothing extra each month.Half from your stake, half from members who choose to lend. Interest to them, not a bank. Repaid from your contribution.
03
Emergencies, one call
Your advisor sizes it, the committee approves within hours, and the money lands. No credit card, no asking family.Your advisor sizes it, the committee approves within hours, the money lands.
04
Owned by the members
A constitution, an elected committee, every rand on a ledger every owner can see. Steady takes nothing from the pool.A constitution, an elected committee, every rand on a ledger. Steady takes nothing from the pool.
Membership is earned
We do not care about collecting your money. We care about fixing your relationship with it.
Twenty-five founding places. Every application is read by a person.
Membership is by application and reviewed by an advisor personally, because this only works for people who will do the work with us. Not a budget on a screen: a plan you execute, month after month, until money stops being the thing that keeps you up at night. The standards are about effort, not outcomes. A hard year is never a breach. Showing up, telling the truth and asking first is the whole deal, and it is how you build a life that gives you peace, financially.By application, read by a person. Not a budget on a screen: a plan you execute, month after month, until money stops keeping you up at night. Effort, not outcomes. A hard year is never a breach.
01Pay on time.
02Attend your monthly review.
03Talk to your advisor before any big spend.
04Reach out within three days when something goes wrong.
05Complete your 90-day actions.
Questions
Asked before, answered plainly.Answered plainly.
Is Steady a bank?
No. Your money sits in accounts in your name at our partner bank. Steady runs them on a mandate you sign and can revoke in the app. We never hold or pool your money.No. Your money sits in accounts in your name at our partner bank, run on a mandate you can revoke in the app.
Who gives financial advice?
Your advisor coaches, budgets and handles admin. Advice on insurance or investment products comes through our licensed FSP partner, and any fee to Steady is a flat amount disclosed to you.Your advisor coaches and handles admin. Product advice comes through our licensed partner, with any fee disclosed.
What happens to my Club 25 money if I leave?What if I leave?
It is returned in full, less any loan, at the next payout date. Only the cycle's interest share and your founding standing are forfeited.Your Club 25 money is returned in full, less any loan, at the next payout date.
Can I afford R4,000?
After your essentials, R4,000 must leave at least R3,000 a month free, and no bounced debit orders in three months. If it is borderline, we will tell you honestly.
What is the minimum term?
Six months. You can leave on 20 business days' notice with an early-exit fee; after six months it is month to month.Six months. Leave on 20 business days' notice with an early-exit fee; after that, month to month.
What does the first month look like?
Three short calls, you choose an advisor, lunch on us, your plan within a week, and your first automated payday on the 25th.
Steady. Finances sorted.
Twenty-five founding places. January 2027. Founders keep R4,000 for life. A decision within 72 hours. If we do not launch by 31 January, every rand is refunded.Twenty-five founding places. January 2027. Founders keep R4,000 for life. A decision within 72 hours.
