Payment reminders: cards you add with a due date now get a reminder a few days before each payment, and the reminders repeat every month. Before, most cards never got one. 0% promos: PayPlanr now warns you when changes to your balances mean your monthly budget will no longer pay off a 0% promo before it ends. Payment order: when your plan pays your cards in a different order than your chosen strategy, it now shows how much that could save. Projections: payments are now applied the way card issuers apply them, and the interest charged when a promo ends is now counted. Plan updates: when an update changes your plan's numbers, the app now explains why. Bank connections: backing out of a bank sign-in now returns you to your cards instead of leaving a loading screen. Tell us what you'd like to see next at payplanr.com.

A maintenance release. Mostly things that should have worked already. Setup checklist: tapping a step now opens it, and the checklist recognizes cards you have already added instead of asking you to add your first one again. Plan budgets: when the app suggests a minimum monthly payment, that amount is now always one it will accept. Before, it could suggest a number and then tell you it was not enough. Bank sync: if your plan does not include automatic bank sync, pulling to refresh now tells you so instead of quietly doing nothing. Tell us what you'd like to see next at payplanr.com.

Everything is free now, except one thing. We looked at what actually costs us money to run, and it turned out to be almost nothing: only automatic bank sync carries a real per-account cost. So everything else came off the paywall. • Track up to 25 cards on the free tier, up from 3 • Build up to 10 payoff plans, up from 1 • The full progress dashboard and debt projection chart are now free for everyone Nothing was taken away, and nothing you already had costs more. If you subscribe to Plus or Max, your automatic bank sync works exactly as before. Tell us what you'd like to see next at payplanr.com.

This update fixes several issues with card syncing and payoff calculations. - Connecting a bank no longer creates duplicate cards. If you already have duplicates, PayPlanr will offer to merge them into one card per account. - Corrected minimum payments on cards with intro or balance transfer rates, including after a promotional rate expires. - Bank connections that appeared stuck or unsynced can now be restored. - Unused bank connections are cleaned up automatically. - Fixed a budget warning that appeared incorrectly in Demo Mode. - Stability and accuracy improvements.

Apple Card sync is here. Connect your Apple Card and PayPlanr keeps its balance and APR up to date automatically, read securely from Apple Wallet right on your iPhone. No bank login, and your financial data never leaves your device. Also in this update: - Clearer add-a-card flow and sync status on your plan - Smoother unlocking with Face ID or your passcode - Balance-transfer offer and calculation fixes