A household budget
built on biblical wisdom.
WiseSteward is a family budgeting platform for households that take stewardship seriously. Zero-based budgeting, sinking funds, debt paydown, and AI coaching — all governed by 5 Covenant Rules grounded in Scripture.
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Built on 5 Covenant Rules
Most budgeting apps track numbers. WiseSteward tracks faithfulness. Every month, your Covenant Health score tells you whether you are living by the financial principles you committed to.
Tithe ≥10%
Give first. Honor God with the firstfruits of every paycheck before any other allocation.
Emergency Fund
3–6 months of expenses set aside. Wisdom prepares for the unexpected.
Zero New Debt
The borrower is servant to the lender. Covenant to take on no new consumer debt.
Consistent Savings
Steady, intentional saving every month — not just when it is convenient.
Zero-Based Budget
Every dollar has a name. Income minus outgo equals zero. No dollar left unassigned.
One platform. Every module.
Stop juggling EveryDollar for budgeting, a spreadsheet for sinking funds, and a separate app for debt. WiseSteward brings it all together.
Zero-Based Budget
Plan every dollar before the month begins. Income, expenses, savings, and giving — all in one screen with Planned vs Actual tracking.
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Sinking Funds
Save monthly toward irregular expenses — car replacement, vacations, medical, home repair. Never be caught off guard again.
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Debt Paydown
Snowball or Avalanche strategy. Track every debt, make payments, and watch your projected debt-free date move closer.
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AI Steward
Ask questions about your finances in plain English. “How did April compare to March?” The AI reads your real data and answers with specifics.
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No import required. No bank connection needed to start.
Set your Covenant Rules
Choose which of the 5 rules apply to your household. Your Covenant Health score starts tracking immediately.
Build your zero-based budget
Assign every dollar of planned income to an expense, savings, or giving category before the month begins.
Track and adjust
Log transactions, review your budget vs actual, and ask the AI Steward any question about your finances.
Families stewarding well
"WiseSteward changed how our family thinks about money. The Covenant Rules keep us accountable to our biblical values every single month."
"I’ve tried YNAB and EveryDollar. WiseSteward is the only one that connects our budget to our faith. The tithe tracker alone is worth it."
"The AI Steward answered ‘Am I on track with my tithe this year?’ with exact numbers from my transactions. Nothing else does that."
Start stewarding
what God gave you.
Free to use. No spreadsheets. No bank connection required. Just a clear, biblical framework for managing your household finances with intention and accountability.
Get Started Free"The plans of the diligent lead to profit." — Proverbs 21:5