Steve

What Steve does

Steve (legally Meet Steve, Inc.) is a US-based fintech startup founded in 2024 and headquartered in Newark, Delaware, operating with a team of 1-10 employees. The company offers an AI-powered financial coaching mobile app distributed exclusively through the Apple iOS App Store, targeting budget-conscious millennials pursuing financial independence and early retirement. The product combines a conversational AI chatbot coach with automated bank and credit card aggregation, goal-based financial planning, net worth tracking, budgeting, and a Financial Independence Calculator, supported by an educational content library on the company's website.

The underlying technology stack relies on AWS Bedrock for natural language processing and conversational AI, and Plaid for read-only aggregation across 12,000+ financial institutions, with Clerk for authentication and Amplitude and Google Analytics for product and web telemetry. Steve does not appear to operate proprietary AI models and instead leverages third-party foundation models via AWS Bedrock, with conversation-level anonymization and data minimization applied before processing. NVIDIA Inception program membership, accepted in June 2025, provides AI training resources, compute credits, and technical mentorship that may enable future model optimization or custom model development.

The business model is a direct-to-consumer subscription with two tiers: $4.99 per month or $49.99 per year (a 17% discount), with payment triggered only after a user connects a bank account. The go-to-market approach is product-led growth via self-serve onboarding through the iOS App Store, supplemented by a content marketing engine on the Learn blog, organic social media presence across Instagram, X, LinkedIn, and Facebook, and email campaigns through Mailchimp. Steve operates exclusively in the United States, is privately held with no disclosed institutional funding, and appears to be founder-led and bootstrapped, with Steven Buchko as Co-Founder & CEO.

Name

Steve

Legal name

Meet Steve, Inc.

Website

https://meetsteve.ai

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Steve (Meet Steve, Inc.) is an AI-powered financial coaching iOS app for budget-conscious millennials seeking financial independence, combining a conversational chatbot coach with Plaid-based bank aggregation, goal tracking, and budgeting tools at $4.99/month or $49.99/year.

Ownership category

akta.pro rank

Product category

Personal Finance Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Budgeting & Cash-Flow Management (FSAGADAA), Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Conversational AI Platforms (chat/voice bots, orchestration) (HDAAAFAC)

Keywords

• AI financial coaching
• Personal finance app
• Budgeting software
• Financial independence planning
• Automated money tracking

Headquarters

HQ city

Newark

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Marketing or Sales, Personnel, Operations

Revenue model

1. Monthly Subscription: Users pay $4.99 per month on a recurring basis, with payment only initiated after connecting a bank account. Provides full access to all AI coaching, budgeting, and tracking features.
2. Annual Subscription: Annual subscription at $49.99 per year (17% discount compared to monthly), automatically renews unless cancelled.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Steve is an AI-powered financial coaching mobile app that helps users track spending across 12,000+ banks and credit cards (via Plaid), set personalized financial goals, build budgets, and plan for early retirement through a 24/7 conversational chatbot. Users download the iOS app for free; payment of $4.99/month or $49.99/year is initiated only after they connect a bank account to unlock full AI coaching, budgeting, net-worth tracking, and retirement planning features.

Product overview

Steve is an AI-powered financial coaching mobile app built as a single unified product — the Steve app — combining a conversational AI chatbot coach with automated financial account aggregation (via Plaid), goal tracking, budgeting, and a financial independence calculator. The core offering is the Steve AI Financial Coach (iOS app at $4.99/month), which provides 24/7 personalized coaching through natural language interaction. Supporting the product are a Financial Independence Calculator tool and a Learn content library. The product integrates Plaid for bank/credit card connectivity and uses AWS Bedrock for AI chatbot conversations.

Differentiator

Problem solved

Functional benefit

Products and services

• Steve AI Financial Coach (iOS app) AI-powered mobile financial coaching application for individual consumers, providing 24/7 personalized guidance through an AWS Bedrock-backed conversational chatbot, automatic transaction tracking across 12,000+ banks and credit cards via Plaid, goal tracking (emergency fund, debt payoff, home purchase), budgeting, net-worth monitoring, and retirement-planning roadmaps. Priced at $4.99 per month or $49.99 per year, with payment initiated only after the user connects a bank account.
• Financial Independence Calculator Free online calculator for individual consumers that estimates how many years until financial independence based on current investments, annual income, and annual expenses, with adjustable assumptions for return rate, inflation rate, safe withdrawal rate, income increase rate, and effective tax rate.

Quantifiable outcome

• 90% of users report feeling more in financial control after setting goals with Steve
• +2 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• NVIDIA InceptioncoreTechnology or Integration · 24 June 2025Steve was accepted into NVIDIA Inception, a program supporting AI startups with training resources, compute credits, and technical mentorship. The partnership enables Steve to accelerate AI infrastructure development, optimize AI models, and access NVIDIA's ecosystem of AI experts for scaling financial coaching capabilities.
• PlaidcoreTechnology or IntegrationPlaid provides secure financial data aggregation infrastructure enabling Steve to connect to 12,000+ banks, credit cards, and financial institutions. Plaid handles authentication, data retrieval, and ongoing synchronization while Steve uses this data to power personalized AI coaching and insights.
• AWS BedrockcoreTechnology or IntegrationAWS Bedrock serves as the AI infrastructure backend for Steve's chatbot conversations, enabling natural language processing and AI-powered financial coaching interactions.
• MailchimpminorGTM or Marketing PartnerMailchimp handles email communications and marketing campaigns for Steve, supporting user engagement, retention, and promotional activities.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Empower (Personal Capital): Empower Personal Dashboard offers free net worth tracking, budgeting, and investment checkups — a broader incumbent in the same PFM/coaching category Steve is targeting, with significantly more scale.
• Rocket Money: Rocket Money (formerly Truebill, owned by MoneyLion) is a well-funded incumbent in the subscription PFM/cancellation space, bundling budgeting, bill negotiation, and now AI features at scale across the same demographic.
• YNAB (You Need a Budget): YNAB is an established subscription budgeting and personal finance education platform with a strong content/education moat, competing directly with Steve for budget-conscious and goal-oriented millennials.

Direct peers

• Cleo: Cleo is an AI-powered financial assistant chatbot targeted at younger consumers, offering spending insights, budgeting, and goal coaching — directly mirroring Steve's core product/positioning with the same PLG, chatbot-first delivery model.
• Albert: Albert is a mobile-first AI financial assistant that combines automated budgeting, savings, and on-demand financial guidance for millennials — overlapping Steve's target customer, conversational AI delivery, and subscription pricing tier.
• Monarch Money: Monarch Money is a subscription-based personal finance platform offering budgeting, net worth tracking, goal planning, and AI-assisted insights, competing for the same millennial/FIRE customer base.
• Copilot Money: Copilot is an iOS-first, AI-augmented budgeting and transaction-tracking app — directly comparable to Steve on platform choice, design sensibility, and target consumer.

Emerging players

• Origin: Origin is an AI-native financial planning platform focused on holistic goal-based planning and coaching — an emerging peer with overlapping AI-driven advisory capabilities for younger demographics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/meet_steve_ai
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/meet-steve
• Instagraminstagram.com/meet_steve_ai

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Steve