Overview

A calm view of your money · HKD · illustrative data

Real-time
Bank & Cash
$1,456,970
▲ $38,214 this month · bank accounts and wallets · cards excluded
Quick record
Post in seconds — balances update immediately.
This month · spend
($24,318)
47 transactions
This month · income
$86,570
Salary · CPA · interest
Retained
$62,252
Before family & investing
Next repayment
24 Jul
HSBC Red · $8,420 · in 3 days

Recent activity

All transactions
SmartoneCPAPayMe · Telephone
21 Jul
($462.00)
Milk CafeCPAHSBC Red · F&B
18 Jul
($58.80)
Salary — PreneticsPersonal→ BOC
26 Jun
$79,371.37

Needs attention

Cards
!
HSBC Red repayment · 24 Jul$8,420 · autopay off · confirm BOC has funds
6
Uncategorised inbox$1,118 waiting for a spending nature
✓
Balances confirmed8 of 8 accounts checked · latest 20 Jul
Lines
47
This month
Posted
46
Confirmed in Notion
Inbox
6
Need a nature
With supporting
18
Optional · never blocked

Register

TransactionNatureAccountAmount
Smartone21 Jul · CPASupporting ✓ · PostedTelephone · PayMe · Posted
Telephone
PayMe
($462.00)
Taxi20 Jul · PersonalPostedTransportation · Octopus · Posted
Transportation
Octopus
($94.50)
FoodPanda19 Jul · InboxNeeds natureUncategorised · Citi Cash Back · Posted
Uncategorised
Citi Cash Back
($182.40)
Tax consultation fee18 Jul · TaxNo supporting · PostedTax business · BOC · Posted
Tax business
BOC
$12,000.00
HSBC Red repayment17 Jul · TransferPostedCard repayment · BOC → HSBC Red · Posted
Card repayment
BOC → HSBC Red
$8,420.00
Bank & Cash
$1,456,970
Bank accounts and wallets · credit cards, investments and insurance excluded
Balance confidence
Confirmed
8 of 8 checked · 20 Jul
Bank accounts
$1,452,650
5 accounts · 99.7% of Bank & Cash
Wallet & stored value
$4,320
PayMe · Cash · Octopus

Bank accounts

Edit names
B
BOCSalary account · checked 20 Jul
842,110
C
Citi Step-upSavings · checked 20 Jul
310,540
H
Hang SengPersonal · checked 19 Jul
180,000
C
Citi S/APersonal · checked 20 Jul
100,000
H
HSBC UKHeld in HKD · checked 18 Jul
20,000

Wallet & stored value

Edit names
P
PayMeE-wallet · checked today
3,200
$
Cash WalletPhysical cash · checked today
580
O
OctopusStored value · checked today
540
How checking works
Enter the balance shown by the bank or wallet. STEADY compares it with its own calculation and shows any difference — no line-by-line matching.
Total outstanding
$30,680
8 cards · 5 institutions
Repayment balance
($20,890)
4 cards currently due
Next repayment
24 Jul
HSBC Red · 8,420 · BOC
Requires action
1
HSBC Red · autopay off
HSBC Red · July cycle
HSBC · RED
•••• 1842
ANSEL LAMSTATEMENT 09 JUL
Statement
($8,420)
Repay
24 Jul
Status
Upcoming
Minimum $420 · paying bank BOC · autopay off · reminder 5 days before due · actual repayment not yet confirmed.

Institutions & cards

Edit names
H
HSBC2 cards
13,600outstanding
HSBC Redending 1842 · autopay offOutstanding 9,180 · repay 8,420 on 24 Jul · BOC
Outstanding9,180
Repay · 24 Jul8,420
Upcoming
HSBC Visa Signatureending 6041 · autopay onOutstanding 4,420 · no repayment due
Outstanding4,420
Repay · 6 Aug0
No repayment
Citi Cash Backending 7721 · autopay onOutstanding 6,120 · repay 5,310 on 29 Jul · Citi S/A
Outstanding6,120
Repay · 29 Jul5,310
Scheduled
Citi HKTVmallending 3390 · autopay onOutstanding 1,140 · repay 1,140 on 2 Aug · Citi S/A
Outstanding1,140
Repay · 2 Aug1,140
Scheduled
MM Powerending 3304 · autopay offOutstanding 2,140 · repay 2,140 on 12 Aug · Hang Seng
Outstanding2,140
Repay · 12 Aug2,140
Scheduled
SC Visaending 8812 · autopay onOutstanding 2,300 · paid 15 Jul
Outstanding2,300
Paid · 15 Jul0
Paid
SC Mastercardending 4471 · autopay onOutstanding 1,500 · no repayment due
Outstanding1,500
Repay · —0
No repayment
AE Explorerending 5058 · autopay onOutstanding 3,880 · repay 3,880 on 2 Aug · BOC
Outstanding3,880
Repay · 2 Aug3,880
Scheduled
Tax business · YA 2026/27
$91,820
Net P&L · income lands in personal banks
Income
$96,000
Source drives this P&L
Expenses
($4,180)
Paid from personal bank/card
Expenses by nature
Business transactions · this YA
DateTransactionAmount
Adjusted savings
67.3%
Income less spending & family
Vs 3-month avg
−12.0%
Spending trend improving
Cards due · 30 days
$20,890
HSBC · Citi · Hang Seng · AE
Runway
18.6 mo
At trailing outflow
Monthly spending budget
$24,318of $32,000 · 76.0%
$7,682 remaining · nature-level budgets roll into this total.
Monthly income target
$86,570of $85,000 · 101.8%
Target exceeded by $1,570 · salary and business sources included.
Economic spending · what you consumed
$24,318
Counted once, regardless of pay method. Card repayment excluded to avoid double counting.
Fixed / committed48.5%
Discretionary51.5%
Cash retention · July
＋
IncomeSalary, business, interest
86,570
−
Economic spendingAll payment methods
(24,318)
♥
Family transfersMum / Wife · external
(4,000)
=
RetainedBefore investing & timing
58,252

Changes worth a look

vs trailing 3-month average
NatureJuly3-month avgChange
HousingFixedJuly 7,800 · 3-month avg 7,800
7,800
7,800
0.0%
Food & BeveragesDiscretionaryJuly 5,910 · 3-month avg 5,000
5,910
5,000
+18.2%
CoffeeBudget 104%July 1,690 · 3-month avg 1,260
1,690
1,260
+34.1%
ShoppingDiscretionaryJuly 4,420 · 3-month avg 5,600
4,420
5,600
−21.1%
Report builder
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Records
8
Net expense
($12,495)
Income
$91,371
Net
$78,876

Grouped by spending nature

DimensionCountExpense / (refund)IncomeNet
Supporting on file
1,284
Optional copies, linked to transactions
Coverage
19 / 20
Business transactions with a file
Sync queue
Clear
All posted & confirmed
Notes
✓
All files under 5MBProcessed client-side · exact bytes hashed
i
1 CPA expense has no fileAllowed · may be added later
✓
Links refresh on accessNo temporary Notion URLs stored
Tax Pack export
§
CPA · YA 2026/27CSV + supporting index
Ready
§
Tax · YA 2026/27CSV + supporting index
Ready
Master Data Studio
Editable names, stable records
Add, rename or archive anything. Display names change freely; the underlying record ID never moves, so history stays intact.

Quick add

Create a record before using it

Accounts

B
BOC SalaryBank of China · ending 8312
acct_01
O
OctopusStored-value wallet
acct_08

Attribution

Rename freely
P
PersonalNon-business
attr_personal
T
TaxTax business
attr_tax
C
CPACPA Practising
attr_cpa

Master collections

Stable IDs · archive, never detach history
Spending natures
15
Budget · icon · active state
Income sources
6
Target · attribution default
Institutions / cards
5 / 8
Limit · cycle · paying bank
Vendors
38
Aliases · remembered choices
Recipients
2
Mum · Wife
Goals
1
Renovation · HK$180,000
Custom dimensions
2
Trip · Project · reportable
Archived
0
Dependency-checked records

Custom dimensions

Optional context on transactions and reports
T
TripSingle select · Portugal 2026 · all transaction types · reportable
dim_trip
P
ProjectSingle select · Renovation · expenses/transfers · reportable
dim_project

Product states

Preview recovery and first-use experiences

First-use migration

Read-only · nothing is deleted
Import from Notion
Bring your current Personal Finance Tracker into STEADY: inspect → map → review → dry-run & approve. The old workspace stays untouched.
Planning gate: proposed schema fields remain uncommitted until Ansel approves the final schema and agent work split.