Private beta · inviting in small batches
See it. Plan it. Grow it.
Every account in one private place, a clear plan for your money, and plain-English advice from an AI that knows your real numbers.
- Read-only bank connections
- Encrypted in transit & at rest
- Never sold, no ads
What you get
Three steps to building wealth.
Most people don’t lack willpower — their money is scattered and they can’t see what to do next. Stepforth fixes both.
Step 1
See it.
Every dollar, in one place.
Net worth & accounts
Everything you own and owe, in one number that grows.
Bank, card, loan and investment accounts together, with your net worth tracked over time.
Transactions & cash flow
Know exactly where your money goes each month.
Spending sorted into categories automatically. Money in versus money out, month by month.
Paystubs & statements
See where every dollar of your pay goes.
Upload a PDF and see every line — taxes, retirement contributions and benefits.
Privacy mode
Share your screen without sharing your numbers.
One click blurs every amount in the app.
Step 2
Plan it.
Know what to do next.
Budget
Stop overspending before it happens.
Amounts based on your real spending, with pace tracking that warns you before a category runs over.
Subscriptions
Find money you’re paying for and not using.
Recurring charges found for you — including the ones you forgot about.
Goals
Save for what matters, with a date you can hit.
Emergency fund, house, trip — set a target and a date and see whether you’re on pace.
AI Advisor
Answers about your own money, in plain English.
Ask anything — “can I afford this?”, “what should I do next?” Answers use your real accounts, spending and pay.
Step 3
Grow it.
Watch it add up.
Investments
All your investments, and whether your mix fits you.
Holdings and allocation across every brokerage and retirement account.
Roadmap
Your next step for your stage of building wealth.
From Starting to Wealthy: where you are now, and the steps that matter most at that stage, in the right order.
Reports
See your progress, week by week and year by year.
Summaries saved like a statement. Print them or save as PDF.
How it works
Up and running in minutes.
- Step 1
Connect your accounts
Link your bank, card and investment accounts with a secure, read-only connection — or add them by hand and upload paystubs and statements.
- Step 2
Get your picture
In minutes your net worth, cash flow and spending are sorted and up to date — and they keep updating on their own.
- Step 3
Take your next step
Your Roadmap shows what to do next for your stage, and the AI advisor answers questions about your own numbers.
Security & privacy
Your money data is yours. Full stop.
We built Stepforth the way we’d want our own finances handled: read-only, encrypted, and never for sale.
Read-only bank connections
You sign in with your bank directly. We never see or store your bank password, and we can’t move money.
Encrypted everywhere
Data is encrypted in transit (TLS) and at rest (AES-256).
Locked to your account
Database-level access rules keep every record tied to its owner, and our team doesn’t browse your finances.
Two-factor sign-in
Add an authenticator app so a stolen password isn’t enough.
Never sold. No ads.
We don’t sell or rent your data, and we don’t show ads or push financial products.
Leave any time
Export everything, disconnect banks, or delete your account from Settings.
Read the details in our Privacy Policy.
FAQ
Questions, answered.
What is Stepforth?
One private place for all your accounts — net worth, spending, budget, goals and investments — with a roadmap of what to do next and an AI advisor that knows your numbers.
Is this financial advice?
No. Stepforth is not a bank, broker or registered investment adviser. It explains your numbers and common rules of thumb so you can decide; for big decisions, talk to a licensed professional.
How do you connect to my accounts?
Through a secure, read-only connection used by many banks and finance apps. You sign in with your bank directly; we get read-only data and never your login. You can disconnect any account at any time.
Do you sell my data?
Never. Your data is used only to run Stepforth for you. The full list of the providers we use, and what each one receives, is in our Privacy Policy.
What does it cost?
Nothing during the beta. Everyone we invite gets a founding-member account.
When can I get in?
We’re inviting people from the waitlist in small batches so we can help each one get set up. Join below and we’ll email you when it’s your turn.
Join the private beta.
Free while we’re in beta. We’ll email you when your invite is ready.
Already invited? Sign in