What shipped.

• If a card is set to auto-debit, the app now records the payment on each due date: everything billed and still unpaid, older bills included, whenever the auto-debit account holds enough. Before, one month with too little in that account stopped it for good: the card then carried an older bill, and the payment was never recorded again until you recorded it yourself. A month when the account is short still records nothing, and the card's reminders tell you the balance was too low.
• Turning off "Card & loan due reminders" now silences only the notices, the auto-debit ones included. An auto-debit still records its payment on the due date, and the dashboard lists it that day.
• If the app can't record an auto-debit payment, for example because the account it comes from is closed, it now tells you which card instead of saying nothing.
• The note in the bell that says an auto-debit was recorded now names the amount. A push notification never does.
• The day before the due date, a card with an older bill still unpaid now says its auto-debit is scheduled, because it now is.
• The message after you close an account now says "auto-debit", the same word the card uses.

• The line under each level-up, on the level-up screen, in "Replay your story" and in your notifications, now says what happened when you reached the level. Level 1's reads "You saved five transactions, enough to start seeing your own numbers." Some of the old lines described the present ("You owe nothing outside a home loan", "now"), so a replay months later could say something that was no longer true. Notifications you already have keep their words.
• On Insights, the Savings Rate card on Trends names the first and last month of the entries it adds up, the same months the charts beside it show. In your first month it reads "Oct 2026 · so far", where it used to name 12 months. If your entries stop in April, it ends in April.
• On a loan's Schedule, "more →" now sits on its own line above the table, so it never covers a figure. You can also reach the table with the Tab key and scroll it with the arrow keys, sideways and down.
• Percentages that can go down now print the true minus sign (−), as your savings rate already did: Wealth velocity and the change in net worth on the Mutation Path, YTD Pacing, Multi-year, an account's balance over time and the yearly PDF. A small fall in Wealth velocity keeps its decimal, such as "−0.4%/yr", instead of showing "0%/yr" in red.

• On the Mutation Path meter, the Wealth velocity bar now stays empty when your net worth (what you own minus what you owe) has fallen over the last 12 months. It used to grow with the size of the fall, which looked like progress toward Level 6 or 7. The figure beside it still shows the fall in red, with "falling · 12 mo" under it.
• "Bookmark saved" now stays on screen for 8 seconds, twice as long as before, so you have time to read it. It also says what the bookmark kept, for example "Bookmark saved with its tags and flag". Until now it said "tags and flag" whenever a bookmark had either one.
• Your savings rate, the share of what you earn that you keep, is now named "these 12 months" under the figure on Future Self, on the savings rate report's Average tile ("these 12 months, the last 12 you recorded") and on What-If's line for a planned purchase on EMI, paid in monthly instalments ("savings rate 3.2% (these 12 months) → …"). With fewer than 12 recorded months, it says how many. The side panel's "12 mo" and the Mutation Path meter's "12-mo avg" are the same figure in fewer words.
• In Insights, the Savings Rate card on Trends now names the months it covers, for example "Nov 2025 – Oct 2026 · Oct so far". It is the rate of the months on screen, the same months as the Income, Expense and Net cards beside it, so it can differ from the 12-month figure on Future Self.
• More messages that name things now agree with how many there are. A bookmark whose accounts are both hidden says "Savings and Brokerage are hidden" when you apply it (it said "is"). The same fix reaches a recurring rule that uses hidden accounts, a category that bookmarks or recurring rules still use, and the preview and notes in Settings → Import from Other Apps. Lists that read "A and B and C" now read "A, B and C", such as the debt countdown card's note on loans in other currencies.
• AI Chat now counts every month you have recorded for your lifetime savings rate and your money per hour, as Future Self, the savings rate report and the side panel do. It read only your latest 40 months, so with a longer history, or many months with nothing recorded, its answers could differ from those screens.

• Your savings rate, the share of what you earn that you keep, now shows the same way on every screen: to 1 decimal place (40.1%). Shown as a figure on its own, it is green when you keep money and red when you spend more than you earn. The 12-month figure, from your last 12 recorded months, now reads the same in Future Self, on the dashboard, in the side panel, on the Mutation Path meter and in Reports. Until now some screens rounded it differently, and some showed it in cyan.
• On the savings rate report, the first tile is now your last full month, with its name, instead of the month still in progress. Best month, worst month and the 20% streak count full months only. In Insights, the chart's title says Month, Quarter or Year to match what it shows, and a month, quarter or year still in progress is marked "so far". AI Chat reads the month in progress as "so far" too. On the Trends cash-flow chart, a positive Net is now green, no longer cyan.
• Future Self now dates Levels 6 and 7 the way the Mutation Path measures them: your net worth (what you own minus what you owe) growing by 15% of a year's average income over 12 months (25% for Level 7), or reaching 10 years of your average yearly spending (15 years for Level 7). It used to project your savings rate instead, a test the Mutation Path stopped using in May, so the two screens could disagree. A level reads Completed while the Mutation Path says it still holds.
• Future Self's Levels 2 and 5 now read your emergency fund exactly as the Mutation Path does, from the accounts you count. If one of them has no rate for its currency or asset, Future Self shows no date and says which account needs one.
• CoastFIRE, the day what you have invested could grow to 25 times your average yearly spending by your retirement age with nothing more added, now has its own line under Level 7. It no longer holds back Level 7's date.
• In What-If, a scenario now moves Levels 6 and 7 by a full re-projection, as it already did the other levels, and a level you already meet reads "on track now". For a planned purchase on EMI, the savings rate line starts from your 12-month rate, the same one Future Self shows.
• The Mutation Path meter's "work-optional in N years" now reads the same table as the calculator on our home page, so 40% reads 22 years in both places.
• Charts and lists read more clearly on a phone. The month labels under the savings rate and net worth charts no longer run into each other. With reduced motion turned on in your device's settings, charts no longer drop axis labels that fit, and dashed lines, such as a loan's With Prepayment line, stay dashed. A long account name on the transactions list now ends in "…", and the loan schedule shows "more →" while more columns sit off to the right.

• When a goal reaches its target, its card now offers Mark as done. If the money leaves the account before you tap it, the card still offers it, because the goal got there.
• A goal you mark as done moves to a new Completed tab on Goals. Its card shows the target it reached and the month you marked it done, and the goal keeps its history. Until now, a goal reached and then spent on what it was for could go back to reading 0% and Behind.
• A completed goal no longer holds money in its account, so the account is free for your other goals, a new mirror goal included.
• Marked a goal as done by mistake? Reopen it from its page, or tap Undo on the message that confirms it. It goes back to Active or Reached, with its history.
• Once you've reached Level 8 of the Mutation Path, a long-term goal that counted for it keeps the level fulfilled after you mark the goal as done, even if you spend the money on what the goal was for. Before you reach Level 8, a completed long-term goal still counts the part of its account's money that no other goal there is using.

• If you pay a credit card bill by its due date but not in full, the card now reads "Paid on time" with what you still owe, instead of "Overdue". A payment that cleared only part of a bill used to leave the oldest bill unpaid, so the card read as overdue every day, by a growing count, even when you had paid on time every month. A due date with no payment by it still reads as overdue, and the days now count from the due date that was missed. The reminder for money still owed after a due date now says the money is still owed, and it stops by itself once the card is paid off. In the bell inside the app, that reminder names the amount; a push notification never does. AI Chat now reads the same answer.
• The quest screen for Level 4 and Future Self now judge your credit cards the way the level itself does: a card counts as debt while any of its last 3 statements (the bill the card makes up each month) was still owed more than 10 days after its due date. They used to need 3 statements in a row, so a card could stop Level 4 and still read as fine on those screens, and a few cards read as debt there that Level 4 counted as clear. Future Self's "Card watch" note is gone, because 1 statement now counts on its own. Your debt-free date in Future Self, and the payoff date on the quest screen, can move for this reason.
• A card with only 1 statement checked so far now says it needs 2 before there is a debt-free date. On the quest screen, a card you have paid off now shows this month's payment while Level 4 waits for its clean statements.

• Accounts you could count now have a "Counts toward my emergency fund" switch, on the form when you add one and on its Edit screen. Cash, checking, wallet and savings accounts start switched on. You can switch any of them off, or switch on another account you would reach for in an emergency. Retirement accounts and anything you owe never count.
• Levels 2 and 5 of the Mutation Path, the emergency fund meter and Future Self now all measure the accounts that count. Until now some of them counted your cash, checking, wallet and savings accounts by their type.
• After your first complete month with spending, the meter now shows a provisional reading of Levels 2 and 5, labelled as one, as the level itself already did. Until now it waited for 3 complete months of entries.
• Moving a counted account to Retirement now saves, and the account stops counting. Once an account has entries, its type is locked on the form, as its currency already was, so Save no longer ends in an error.

• Future Self now counts your retirement accounts toward your financial independence and CoastFIRE dates. A pension, an EPF, a 401(k) or an RRSP is money you have invested, but until now only accounts marked Investment were added up, so both dates could read years later than they should. Money you move into a retirement account now counts as your monthly contribution too.
• If all your invested money is in retirement accounts, the independence date no longer assumes you invest half of what you save. It starts from what you hold and what you put in. With no investment or retirement account at all, it still makes that assumption, and says so.
• Future Self reads your last 6 months for your passive income (money that comes in without you working for it, like dividends or rent) and for the trend in your savings rate (the share of what you earn that you keep). Those 6 months are now complete months: the month you are in is left out until it ends, as it already was everywhere else on the page.
• Level 4 now judges each credit card statement on what that statement owed. When a card's due date is 3 weeks or more after its statement date (the day the card makes up each month's bill), the next month's spending could be counted against the statement being checked. A card paid in full on every due date could then read as still owing. A statement still owed more than 10 days after its due date stops Level 4, as before.
• Levels 6 and 7 compare your net worth (what you own minus what you owe) with your net worth a year earlier. The year-ago figure now counts an account you have closed since, the way each month-end figure counted it while it was open. Future Self's momentum reads the same year-ago figure.
• When that year-ago figure cannot be worked out because an entry has not been priced yet (converted into your home currency), Levels 6 and 7 and Future Self now say so, and name the account and the day. They used to say your history was not long enough, even when it went back years. To fix it, make sure the account's currency or asset has a rate dated on or before that day in Settings → Currencies & Assets, then choose Price earlier transactions there.

• A photo of a receipt is now made smaller before the 5 MB limit is checked, so a large phone photo attaches instead of being refused. A PDF is checked as it is.
• A receipt in any of the accepted types (JPEG, PNG, WebP or PDF) now attaches at any size up to 5 MB. It goes straight to your private storage, so a PDF just under 5 MB no longer fails on the way.
• A search result now opens when you tap or click it, as a row in your list does. Back then returns you to the list you searched, and closing the search no longer makes Back take an extra press.
• A bookmark (an entry you add often, saved to use again) now brings its tags and flag (the colour mark on an entry) when you use it from the star on your transactions list or from Settings → Bookmarks. Using the same bookmark twice opens a fresh form each time.
• The edit forms now show a saved amount in full: 4.50, not 4.5, and never with fewer decimal places than you entered. This covers transactions, splits (one entry divided across categories), goals, budgets, bookmarks, recurring rules (entries that repeat on a schedule) and loans.
• On Future Self (where the app shows where your current pace leads), the age beside each milestone now counts any birthday between today and that milestone's month.
• Future Self's What-If card (where you try a change, such as saving more each month) now works out how much sooner a milestone comes by projecting it again with your change. For Levels 6 and 7 it still shows an estimate.
• With several transactions selected, Escape on a window opened from the selection bar, such as Tags or Flag, now closes just that window and keeps your selection. A second Escape stops selecting.
• On Upcoming, the block that totals what will post automatically (be added to your transactions for you) is now called "Posting within a day". Entries from your recurring rules post once a day, at the same moment wherever you are, so "tonight" was wrong in many time zones. A recurring rule that starts on a date that has passed no longer says "tonight" in its warning either.
• The overdue list on Upcoming now says entries rather than payments, since some of them are income.
• We say "add" or "save" for a transaction everywhere in the app and the help centre, never "log".
• Level-up messages now say the same thing on the level-up screen, in "Replay your story" and in your notifications. Level 4 now says you owe nothing outside a home loan, where it used to say every debt was cleared.
• Level 7 no longer says compounding (growth earning growth of its own) has taken over, since the level cannot tell saving from market growth. Levels 6 and 7, when you reach them by what you already own, now say your net worth (what you own minus what you owe) reached 10 or 15 years of your average yearly spending, instead of saying it grew.

• "Your hours, priced" now labels 40 hours as almost 2 days of your life and 2,000 hours as about 12 weeks. Your rate counts every hour of the day, and now the labels do too. The amounts are unchanged.
• The spending warning under Reports → Per hour counts the time you owe in weeks of your life, 168 hours each. It used to divide by a 40-hour week, which showed about 4 times too many weeks.
• On Future Self, the warning above your projection and the planned-purchase line now end at the hours. Near 2,000 hours they used to call that a year of work, but at every hour of the day it is about 12 weeks.

• On 11-inch tablets in landscape the app now shows the two companion rails (280px each), and the bottom nav stays on screen under the browser toolbar on Android and iPad.
• Settings is four groups with one row per destination; forms open in place. Historical years live in Reports → Multi-year.
• Reports: the Year-over-Year view retired; Multi-year carries the savings rate, the export and the add-historical-years link.

On screens 1,280px and wider the phone frame gains two companion rails. Left: your avatar and your active quest (or the first-week checklist). Right, by route: the 10/20/30-year Panorama, this month, due soon, top categories, setup health.

Every number on a rail is the same number the phone shows, from the same function. Below 1,280px nothing changes and nothing loads.

Six stages of your form, from the Mortal to the Monarch, painted from one reference sheet. They appear on the map, the dashboard, the Future Self and the help articles. The stage follows your Mutation Path level; you never pick it.

• Money per hour: what you earn and what you spend as an hourly rate from your own entries, every hour of every day counted, over your last twelve months (nothing shows until you have three months).
• Prices in hours of your life: a coffee, a subscription, a phone, a car.
• What-If v2: change one habit and see your Future Self move at 10, 20 and 30 years.

• One workbook brings accounts, categories, balances and years of history from YNAB, Monarch, Copilot or a spreadsheet.
• Re-imports are safe: the same file twice changes nothing.
• The Checkup lists what is still missing before anything is saved, and every import has a full undo.

Every native date, time and option control is gone. One themed picker on every screen: the same look on iPhone, Android and desktop, keyboard-operable, with search where a list is long.

• Your home currency locks at your first account; every other account can hold a different one.
• Rates are yours to set; flows are frozen at the rate of the day, holdings are revalued.
• Custom assets: gold, a car, a flat, anything with a unit and a value.

Every help category and article got its own scene, the blog its hero images, and Blog and Help joined the main navigation.

• AI chat now runs tools over your actual accounts, budgets and loans: answers are read from your rows, not guessed. Credits included, or bring your own key.
• A public help center: seventeen articles with search and deep links from inside the app.
• The migration workbook: the first version of the one-file import.

Interest posts itself on the loan. EMIs are plain transfers. The balance you see is the balance the engine owes, never a number you typed. One extra payment moves the payoff date in front of you.

Add and edit open as modals over the page you are on, saves are optimistic, the shell boots from cache, and every read is served through one channel. It stopped feeling like a website.

Your stage now follows your runway and your Path together; the Future Self projections no longer depend on the Path. The compass card on the dashboard shows the composite.

The blog and its RSS feed; welcome and trial emails; the add-transaction form redesigned for speed.

The first complete build: the 9-level Mutation Path, transaction tracking, budgets with rollover, reports, goals, an installable app, and one payment ($99; local price at checkout).