Every dollar gets a home
Steward uses a zero-dollar budget: each dollar is assigned to a Fund before you spend it, so you always know what your money is for.
Free plan — no expiry · 90-day bank sync planned for public launch
Give every dollar
a home.
Steward is calm, fund-based budgeting: every dollar gets a named place to live, and you always know where you stand. Steward guides — you decide.
- Encrypted and private
- No ads. Ever.
- No credit card required
What is Steward?
Budgeting that makes sense
Most budgeting tools show you where your money went. Steward shows you where it's going — and keeps every decision yours.
Every dollar has a job
Every dollar you earn gets assigned to a named Fund — Housing, Groceries, the trip you keep postponing. When every dollar has a home, you always know what each one is for.
Bring in your transactions
Connect checking and savings and import your transactions without retyping them. Scheduled bank sync is arriving during the beta — and manual entry always works.
Guidance in plain English
Steward spots patterns in your own numbers and suggests next moves. Every suggestion is labeled as AI guidance, never financial advice — and you decide.
A clear view of your finances
See where you stand as transactions are filed — so you can adjust while the month is still underway.
Why Steward
Built to keep you in control
Import, then confirm with a tap
Import transactions from your bank, and AI suggests the right Fund for each one. You confirm with one tap — you are always the final word.
A gentle month-end review
Close each month with a guided review: what went well, what drifted, and what to adjust next — explained in plain English, finished in minutes.
Your data belongs to you
Steward is ad-free at every level. Your financial data is encrypted, never sold, and never used for advertising or profiling.
AI guidance is informational only — it isn't financial, legal, or tax advice. Steward never moves money or applies changes without your confirmation. For big decisions, talk to a licensed professional.
Founding Beta
Free while we build
Steward is free during the founding beta. Set up your funds, give every dollar a home, and help shape what we build — then decide later whether a paid plan is right for you.
- No credit card required — not now, not until you choose to upgrade.
- No ads, ever — free or paid, Steward is ad-free at every level.
- No lock-in — your data exports anytime, and it's always yours.
What's included in the founding beta
- Full fund-based budgeting & zero-dollar budget creation
- Import your transactions — scheduled bank sync arriving during beta
- AI-suggested categorization with one-tap confirm
- Guided setup with ready-made starting templates
- Basic reporting & spending summaries
- No ads, at any level
- Your data is yours — export or delete it anytime
Beta price
$0 while we build
Essentials
Unlock the full power of Steward — $7.99 a month.
Start with Steward's permanent free Manual Mode. Upgrade when connected accounts and guided monthly reviews make Steward more useful to you.
Everything in the free plan, plus:
- Unlimited bank institution connections (checking and savings)
- Two users on one shared account (planned during beta)
- AI-assisted Monthly Budget Review and Creation workflow
- Recurring transaction rules; bill reminders planned during beta
- Full transaction history with no 90-day limit
- Watermark-free PDF and CSV exports
Premium — with Trusted Advisor roles, advanced AI guidance, and more — coming soon.
FAQ
Common questions
The three things people ask us first — answered plainly.
Is the free plan really free?
Yes. Manual Mode is a free plan with no expiry — full fund-based budgeting with up to 20 spending budget lines, 4 income budget lines, and unlimited manual transactions. No credit card, no ads, and no time limit.
Do I have to connect my bank?
No. You can budget entirely by hand in Manual Mode. Bank connections (on Essentials) are optional, encrypted, and read-only — and you can disconnect at any time.
Does the AI ever move my money?
Never. Steward's AI only suggests — you confirm every categorization and every budget change yourself. Its guidance is informational only, not financial advice, and it's always labeled as AI-generated.
Be first to know when Steward opens.
Manage today. Secure tomorrow. Join the waitlist and we'll email you when it's your turn.