Features

Everything you need to give every dollar a home

Steward pairs a calm, fund-based budgeting system with just enough automation to lighten the bookkeeping — and keeps you in charge of every decision.

Funds & fund groups

Every dollar gets a home, organized your way

Create spending funds for everyday life and sinking funds for the big stuff — a vacation, new tires, next year's insurance. Group them however your life is actually organized, and give sinking funds a target amount and date so you always know if you're on track.

Spending funds for monthly living, sinking funds for future goals
Fund mode carries leftover money forward; Budget mode resets each month
Target amounts and dates with on-track projections

Bank sync

Bring in your transactions without retyping them

Connect your bank through Plaid and import new transactions whenever you like — no piles of receipts to type in. Scheduled bank sync is arriving during the beta. And if you'd rather not connect a bank (or yours isn't supported yet), manual entry is always available and always will be.

Encrypted connections via Plaid — Steward never sees your credentials
Imports arrive deduplicated and ready to assign; scheduled sync arriving during beta
Manual entry always available, bank connection never required

AI-assisted categorization

It suggests. You confirm. It learns.

Steward reads each incoming transaction and suggests the fund it probably belongs to. You confirm with one tap — or correct it, and Steward learns your preference for that payee. Nothing is ever filed without your say-so.

One-tap confirm on every suggestion — you stay in control
Learns from your corrections, payee by payee
No suggestion is ever applied automatically

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.

Dashboards

See the whole month at a glance

Budget vs. actual for every fund, live fund balances, and an unassigned queue that tells you exactly what needs a decision. Clearly labeled when you're under or over — no digging to find out how the month is going.

Budget vs. actual, per fund and for the whole month
Live fund balances, including sinking-fund progress
An unassigned queue so nothing slips through unfiled

Security & privacy

Private by design, not by promise

Your finances are nobody else's business. Data is encrypted in transit and at rest, row-level security keeps every household's data strictly isolated, and our business model is subscriptions — so there are no ads, and your data is never sold. You can export everything, anytime.