- More on the free plan: The free plan now holds a budget you're paid into and one more budget of any kind. - Premium costs less: Premium now costs less. The paywall shows the price where you live. - Keep Above in five more languages: Keep Above now comes in Spanish, German, French, Portuguese and Italian, and follows your phone's language. - Your trip's journey comes to life: The journey is now a little road, and everyone on the trip walks it and rides the car, train, ferry or plane to the next place. - Smoother forms, and smaller fixes: Forms no longer jump when you tap a choice, a tap anywhere in a box starts typing, and an amount ending in 50 cents now rounds up, so figures shown together agree.

- One question at a time: Adding a transaction now asks one question at a time, at the bottom of the screen. Tap any answer to change it.

- Reminders, your way: Choose which reminders you get and when, including bills a few days ahead and a heads-up before a tight day. - Coming up: See the next 14 days across all your budgets, and drag your budgets into your own order. - More on your calendar: Trips, occasions, goals and your other budgets' dates now show on your calendar. - Goals in savings budgets: A budget for savings can now hold goals of its own. - More ways to set up a bill: Amounts that vary, free trials, the last working day, and the 15th and the last day of the month. - Every budget does more: Trip plans, event plans, occasions, shared bills, loans, home loans, the shopping list and Things you own all have new options. - A copy of your data: Copy your budgets into a spreadsheet, or change your sign-in email, from Menu, Profile. - A quicker start: Setup is one question a screen and picks up where you left off. - A fresh look: A new sign-in screen, a clearer All Transactions page and a tidier menu. - Fixes: Fixes for balances after marking a bill paid, twice-a-month payments, goals' saved amounts, shared budgets after signing back in, and Android's Back button.

- Home loans: Add a home loan as a budget. - Things you own: Add a budget that lists the things you own, from a car or a boat to a phone or a water bottle, and see what each one costs you a year: what you paid and its costs, and, when you say how long you'll keep it and what it would sell for then, what that comes to over those years. - Shopping list: Add a budget that keeps what you buy regularly as a cupboard. - Loans and payment plans: Add a budget that holds the loans and payment plans you're paying, from a car loan to a store payment plan. - Shared bills: Add a budget for the bills you split with other people, such as rent with flatmates. - Event plans: Add a budget for one big, dated day, such as a wedding, a new baby, a move, a renovation or a party. - Occasions: Add a budget for Christmas, birthdays and the other days you buy for. - Add budget shows what each budget looks like: Each type is now a tile with a small animated picture of what its page draws: water for Checking, Savings and Credit, a hundred squares for a home loan, and the journey for a trip plan. - Trip costs can use an expense you already have: On a trip plan, when a cost comes out of another budget, you can now choose from the expenses already in that budget, and a cost linked to an upcoming one shows that expense's date and amount. - Minimum payment when adding a credit card: The minimum payment you enter while adding a credit card is now saved with it. - Trip badge in the pay cycle: The plane on a pay cycle row's trip badge is drawn at its proper size and colour again. - Costs from someone else's budget on a shared trip: On a trip plan someone shared with you, a cost linked to an expense in one of their budgets names that budget, such as Anna's Everyday, and says that changes made to it there aren't shown on your phone. - Savings goals on Transactions: A savings goal now sits under its own category on the Transactions page, instead of under Other income. - Trip costs count in their budget straight away: On a trip plan, a cost entered as an expense in another budget, and a share of a cost you accept into one of your own budgets, now counts in that budget's balance and Safe line as soon as it's saved. - Choosing your first budget: The Get started screen, where you choose your first budget after signing up, and the sheet for joining with a code now show with their full design. - Joining with a code on Add budget: When you join a budget with a code from Add budget, the button now says Join.

- A trip cost is split between people: A cost on a trip plan can be split between the people on it, with an amount each. Someone on the shared plan sees what was put to them on their own phone, accepts or declines it, and an accepted share becomes an expense in the budget they choose, marked with the trip's name on the Transactions and Pay cycle lists. - Lists, notes and reminders on a trip plan: A packing list or to-do holds up to 20 lines you tick off from the plan itself, a note holds a few lines of text, and any place, cost, job or note can carry a reminder that arrives the morning of its day. Reminders are off unless you switch one on. - The journey reads like a calendar: Each row of the journey is a week, Monday to Friday along the run and the weekend on the bend, so where a thing sits is its day. Someone joining or leaving partway shows as a small disc on the place itself. A cost can carry its own icon, the marks light up as you scroll to them, and under the journey the money reads as one sentence over a bar with the people as a row of faces. - The journey is easier to tap: Every place, cost and job takes its own tap even on a busy day, the + keeps clear of names and marks, and nothing on a weekend bend is drawn through the writing above it. - A budget can be overdrawn: The balance on an everyday budget can go below zero. Type the minus on the keypad before the figure, and every screen that reads the balance shows it below zero, with the distance to the Safe line measured from there. - The card's minimum lives on the card: A credit budget can carry its minimum payment from your statement, set when you add the budget or from its settings. On the payoff page the first payment opens at that amount, and a line under the total says when everything paying the card comes to less than it each month. - First-open tips: The first time you open the dashboard, pay cycle, transactions, calendar, reserved funds or a payoff or goal page, a few short tips point out what each part shows. Skip them or step through; they show once. The demo preview now carries a trip plan of its own too. - Trip plans: A trip is a new kind of budget, with an end date and the people going. You set where you're going and when, and the journey draws itself: every day of the trip is a mark you can tap to add a place, a flight, somewhere to stay, a cost or a job to sort. Each place runs until the next one starts. The plan tracks what's put aside against what it comes to, splits it between everyone, and settles up at the end. Share it and whoever joins sees the journey, every cost and who has paid. - Thirty years ahead: The calendar, pay cycle, outlooks and tools now project up to 30 years ahead, up from 10, for everyone. Reserved funds steps to any day the calendar reaches, working out each day's set-aside amounts as you get there. - Faster recalculation after every change: Saving a transaction or marking a bill paid updates the projections many times faster, and the calendar reaches far years without the wait it used to need. - The Safe line looks twelve months ahead: Each day's Safe and Critical lines are now worked out over the year that follows that day, so a shortfall further out no longer lifts today's line, and the figure no longer moves when the calendar is scrolled far ahead and back. - Money lands where it should: Marking a card payment as paid now updates the credit budget's balance straight away, not just the budget it was paid from. And on a day the calendar shows as safe, the reserved funds now sit at their Safe pace instead of some still reading behind.

- Shared budgets: A budget can now be shared with other people. In Sharing you pick a budget and send the code; whoever types it in sees the same bills, income and balance on their own phone, and changes appear on both. Sharing is per budget, so the ones you don't share stay yours alone. You set whether each person can edit or only look, and Recent changes lists who changed what. - Light mode: Keep Above now comes in light as well as dark. Settings holds an Appearance row with Light, Dark, and Device setting, which follows your phone. The money keeps its colour either way: a card turns white, the water in it stays green. - Accounts are now budgets: What the app called an account is now called a budget, everywhere it appears — the dashboard list, the menu, sharing, the plan pages and the tools. Nothing about your figures, your bills or who you share with has changed; only the word has. - Ten years ahead for everyone: The calendar and pay cycle now project up to 10 years ahead on the free plan as well. Projections past the first year used to be part of Premium. - The budgets list opens first: With one budget the app used to open straight into that budget. It now opens on the budgets list, and you tap your card to open it. The share and settings buttons on the card are reachable from there too. - Category icons are filled now: The icons on your transactions, funds and category lists are filled shapes instead of thin outlines, and the tinted square behind each one is gone — the icon itself carries the colour. Transactions in the Financial group, which showed no icon on the list, now show theirs. - Change a savings goal's date: On the Reserved funds screen, Change date in a goal's tray now opens the calendar and saves the day you pick as that goal's target date. It used to show a note and go no further. - A paid-off card reads as paid off: A credit card whose balance is zero now shows Nothing owed in green, with just a sliver of colour at the top of the card, instead of Nothing paying it and a pool of it.

- Large screens: On a tablet or iPad the app now lays out against a wider canvas instead of scaling a phone screen up, so text and controls sit at their intended size and every screen shows more at once. - Calculator keys: The clear and bracket keys on the calculator and the amount keypad now show their labels. - Category bands: In the transaction lists' category bands, the smallest categories now draw as small rounded pills instead of thin slivers at the edge.

- Savings goal outlook: When the deposits set on the outlook wouldn't reach the goal within the projection's ten years, the page now says exactly that. - Months to clear: A card within a month of its projected payoff now reads "under 1 month to clear", and a single month reads month, not months. The savings months-to-goal line follows the same rule. - Credit fluid level: A credit account's focus view now drains its fluid in proportion to what's owed — a nearly-paid card shows a thin band at the top instead of a large block. - Savings fluid level: The fluid on a savings account now rises in proportion to the goal amount, so a small balance reads as nearly empty instead of nearly full. - Occurrence edits keep their labels: On the occurrences list, the change-scope options now always show the action you chose — a background refresh no longer swaps a date change's buttons for delete ones. - Rate App on iPhone: The Rate App button in the menu and the feedback prompt's review step now open the App Store review page on iOS.

- Three more tools: Power costs puts two appliances side by side from their wattage and how long you run them, at your own rate per kWh. Cook it or buy it sets the same meal made at home against one bought. Cost of a pet adds up food, vet, insurance and the rest over the years you've had them. Tools is now twenty-eight, nineteen of them free. - Far-off days on the calendar: On a credit or savings account, tapping a calendar day more than a year ahead opened the current month. It now opens the month you tapped, right out to the end of your projection range.

NEW · Tools A whole Tools section, reached from the dashboard — 25 tools, from quick calculators to read-outs of your own numbers. How long your balance lasts, what an hour of work buys, what owning something costs a year, trip money, and more. 16 are free; the rest come with Premium. NEW · Compare tools Nine of them put two ways of covering the same need side by side — new or used, own or hire, repair or replace, rent or buy. Each shows both figures and leaves the choice with you. NEW · Works offline Changes now save on your device even without a connection, and sync when it returns. A banner shows while you're offline. NEW · Currencies A currency for the app — 147 to search from — and any account can carry its own. Figures stay as entered; the currency changes how they're shown. NEW · Settings Choose how thousands are grouped (10,000 or 10 000), and how many days an unpaid bill keeps counting against the balance — one to seven past its due date. IMPROVED · Savings goals What a goal has saved so far can be set to any amount up to its target, straight from Reserved funds. FIXED A goal created with money already saved now shows exactly what was entered.

-New dynamic save-up and pay-off planners -Bug fixes -UI improvements

-UI Revamped! -Auto saving goals -Performance improvements -Bug fixes