An honest CFO
for your money.
Stepforth connects to your accounts, reads your paystubs, and gives you the plain-spoken financial advice a friend with a CFO degree would. No products to sell. No spam. Just your numbers, explained.
The honest pitch
Mint shut down. Monarch is expensive. The other apps are confused about what you actually want.
We built Stepforth because tracking spending is the easy part — the hard part is understanding what your money is actually doing. Most apps show you the data. Stepforth tells you what to do about it.
What's inside
Everything that matters. Nothing that doesn't.
AI advisor with your real numbers
A chat advisor powered by AI that actually sees your accounts, transactions, and paystub data. Not generic — specific to your situation.
Net worth + cash flow
See your full picture across every account. Income vs spending. 90-day forecasts. Month-over-month deltas. The numbers that actually drive decisions.
Budget that thinks
An AI budget coach proposes amounts based on the 50/30/20 framework and your actual 3-month history. Per-category pace tracking shows you when you're at risk of blowing it.
Paystub + statement intelligence
Upload a paystub or bank statement PDF — AI reads it, extracts every line, shows you exactly where 35% of your gross goes.
Subscriptions you'd forgotten
Auto-detected from your transactions over the last 12 months. Find what's renewing, what you're paying twice for, and what you stopped using months ago.
Privacy mode for demos
One click hides every dollar amount in the entire app. Screen-share without revealing your finances. Unhide instantly when you're alone.
Built for
Everyone who's ever wondered:
“where did all of it go?”
Single & figuring it out
Build an emergency fund, max your 401(k), track where the salary actually goes.
Couples managing shared money
Tag accounts Mine / Yours / Joint. Filter the dashboard by ownership.
Families with kids
529 plans, life insurance, dependent care — surfaces what applies to your stage.
Approaching retirement
Catch-up 401(k) contributions, healthcare bridge planning, glide-path advice.
On privacy
We don't sell your data. We don't serve ads. We don't market financial products to you.
Bank credentials never touch us
Plaid handles the bank connection. We only see the transaction data your bank shares.
Your data is yours
Export it anytime. Delete your account with one click — we erase everything.
One subscription, no ads
If we charge, we charge you directly. We'll never make money by knowing what you spent on.
Be one of the first 100.
We're inviting people slowly so we can sit with each one's first session. Drop your email and we'll reach out as the next batch opens.
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