Steerplan

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.