Steerplan
Summary
Most personal finance apps tell you what you spent last month — then leave you staring at a number with no idea what hits next week. Steerplan is built for the gap between tracking and deciding.
Connect your UK bank accounts once via Open Banking and Steerplan maps income, recurring bills, and spending categories, then projects your balance 90 days out. The AI assistant answers specific questions — 'Can I afford the Berlin trip in August?' — grounded in your actual transaction history, not generic benchmarks. The read-only bank connection means Steerplan sees everything and touches nothing. The ceiling appears fast: no API, no third-party integrations, no web dashboard — mobile only. Users who want to pipe forecast data into a spreadsheet or hook it into another tool hit a wall with no exit.
Bottom line: Pick Steerplan if you have two or three UK accounts you need to see as one picture with a forward-looking cash runway; skip it if you need to export that data anywhere or access it outside a phone.
Pricing Plans
Subscription- Price
- £9.99 per month
- Free Tier
- Account creation only; bank connections and AI features require Pro
Pro
Unlocks bank connections, AI assistant, insights, bills and outgoings. Founding members get 50% off for first 3 months.
- Bank connections
- AI assistant
- Insights
- Bills and outgoings
View full pricing on steerplan.ai →
Pricing may have changed since last verified. Check the official site for current plans.
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Pros
Sign in to edit- Read-only Open Banking connection authenticated directly with your bank, so Steerplan never holds your credentials and cannot move funds — which means you can connect without handing a third party write access to your accounts.
- 90-day balance forecasting built from detected income and recurring bills, so you see a cash runway number before a shortfall appears rather than after the fact.
- AI assistant answers grounded in your actual transaction history rather than generic rules, so 'Can I afford X in August?' returns an answer tied to your specific bill schedule and income cadence — not a ballpark.
- Consolidates multiple UK bank accounts into one view, so you stop toggling between apps to understand your aggregate position.
- FCA-registered infrastructure via Yapily, so the data pipeline meets UK regulatory standards without you having to vet the connectivity layer yourself.
Cons
Sign in to edit- The AI assistant and bank connections are paid-only features, so the free account does not deliver the core forecast or chat functionality — users who sign up expecting to evaluate those features before paying cannot do so.
- Mobile-only with no web interface and no API, so any workflow that requires forecast data outside the app — a shared spreadsheet, a finance dashboard, an accountant's tool — has no supported export path. Teams or households that need data portability switch to a competitor with CSV export or an open API.
- UK bank accounts only via Open Banking, so users with accounts at non-UK institutions, investment platforms, or credit cards outside the supported Yapily network see an incomplete picture — and an incomplete picture is worse than no picture when you are making a cash flow decision.
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About
- Platforms
- iOS, Android
- API Available
- No
- Self-Hosted
- No
- Last Updated
- 2026-06-27T10:17:51.947Z
Best For
Who it's for
- UK residents managing multiple bank accounts
- Users wanting cash flow projections beyond simple tracking
- Individuals seeking AI answers grounded in personal transaction history
What it does well
- Forecasting cash balances over 90 days
- Identifying recurring bills and spending patterns
- Answering specific financial questions from bank data
- Viewing consolidated UK bank accounts in one place
Integrations
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Frequently Asked Questions
- Is Steerplan free?
- Steerplan has a permanent free tier alongside paid upgrades (paid plans from £9.99 per month). You can keep using a baseline version indefinitely without paying.
- Is Steerplan open source?
- No — Steerplan is a closed-source tool. Source code is not publicly available.
- When was Steerplan released?
- Steerplan was first released in 2026.
- What platforms does Steerplan support?
- Steerplan is available on: iOS, Android.
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Curated lists that include this category
Budgeting apps that show you last month are solving yesterday’s problem. Steerplan connects to UK bank accounts through Yapily’s FCA-regulated Open Banking infrastructure and, within minutes of linking, maps every transaction into income streams, recurring bills, and spending categories. From that mapped data it builds a 90-day balance forecast and surfaces an AI assistant that answers plain-English questions — ‘When do I run out at this rate?’ — with answers derived from your own numbers.
The differentiating feature is that the AI responses are grounded in real transaction history rather than general financial logic. Ask whether you can afford a specific expense in August and the answer draws on your detected income cadence, your identified bills schedule, and your current balance trajectory — not a rule of thumb. The vendor describes this as ‘an AI CFO grounded in your real data’, and the architecture supports that framing: there is no generic advice layer; the model works from what Steerplan has already mapped.
Steerplan fits a specific profile: UK residents managing multiple bank accounts who want cash flow visibility beyond simple balance checks and who work primarily from a phone. The hard constraints are equally specific. The app is mobile-only — iOS and Android — with no web interface described on the vendor page. There is no API and no self-hosted option, so any workflow that requires forecast data to leave the app — a spreadsheet, a dashboard, another tool — has no supported path. The AI assistant and bank connections are paid-only features; a free account exists but unlocks precious little of the core product.
Bank connectivity runs through Yapily Connect Ltd, with Steerplan Ltd registered as a PSD Agent on the FCA register. Authentication happens directly with your bank — Steerplan never holds your banking credentials. Access is read-only; the platform cannot initiate transactions. Supported institutions include the major UK banks and building societies listed on the vendor page, with the vendor stating coverage extends to every UK bank and building society.