A steadier "you could retire at", and a few fixes. • "You could retire at" now re-estimates your Social Security for each age it tries, so the same plan gives the same answer whatever age it started from. If your benefit is still cinder's estimate, the age on your first run and your odds can shift slightly. • A free trial bought on cinder.fi that can't be attached to your account now ends instead of charging you, and the app tells you the date. • Progress' chart shows each year once, and its Pro button stays on one line. • The estate checklist reads correctly, and links to Retirement and Progress open the right page.

Private Mode for everyone, a faster Ask cinder, and more of the app in your language. • Private Mode is open to everyone. Keep your finances encrypted on your own devices so even we can't read them. Turn it on in Settings or during setup, free on every plan. • Ask cinder runs on a newer model and gets to the answer sooner, without narrating each step. • Demo names, built-in categories and default account names follow the language you choose, and French now says REER, CELI and FERR throughout. • If your phone is in the US while your plan is Canadian (or the reverse), a one-time prompt offers to switch your plan's country.

Live bank updates and faster AI. • New bank transactions show up while the app is open, for you and a partner in a shared household. No restart needed. • AI categorizing and bill suggestions take seconds instead of half a minute. • Re-running the optimizer on an unchanged plan is instant and doesn't use one of your monthly runs. • Face ID now asks in French, Spanish or Chinese. • Signing up on iPhone now sets up your plan and prices for your country. • Reliability and security improvements throughout.

Restoring Pro just works, and fewer emails. • Restore purchases now finds your Pro subscription, and Settings can tell which store bills you. • Fewer, better-timed upgrade emails: at most two, spaced out, and never if you already have Pro. • Bill suggestions come back even when the main model runs long. • Reliability and security improvements throughout.

Your contribution room, your safety net and a fresh new look. • Contribution room that carries over: next year's RRSP room and your pension adjustment are estimated for you, and your room rolls into the new year on its own. • Contributions versus growth: see how much of each account's year came from what you put in and how much from growth. • Margin calls on a line of credit: see whether a market drop would force a sale, and what it would cost you. • Tax withheld on RRSP and RRIF withdrawals: see what the bank holds back and what you'll owe or get back at tax time. • US accounts: record an IRA or HSA over-contribution you took out, and the excess clears. • Every chart redrawn in the new cinder.fi look. • Your sign-in now lives in the iPhone Keychain, and with Face ID lock on the app locks itself after 10 idle minutes. • Reliability and security improvements throughout.

Spending and bills, clearer than ever. • Where it went: a month-by-month view of your spending by category or by account, with the biggest movers and the charges behind them. • Bills that end: track pay-in-4 plans and loan payments to their last payment, and get a heads-up before a free trial starts charging. • Bills on any schedule: every few weeks or months, twice a month, quarterly or twice a year. • Yearly and quarterly bills show a set-aside meter and a renewal heads-up with Keep or Cancel. • A heads-up when a bill hasn't shown up yet. • Reliability and security improvements throughout.

Money patterns, smarter: • One rule can match several payees. • Bills keep their own give-or-take, so a hydro or gas bill that swings still files itself. • "Expect it" suggests the due day and amount from your latest payment. • Track credit-card payments and bills whose amount varies. • See who categorized a transaction: your rule, cinder, your bank or you. • Ask cinder can set up bills and rules for you, with Undo. • Applying a rule to past transactions is several times faster. Plus fixes for debt balances, duplicate bank rows and bill reminders.

A big update for couples, banks and budgets: • One plan for your household: partners can share one retirement plan, accounts and budget, with "my accounts only" or full editing for each person. Rolling out gradually. • Money patterns learns from you: rule suggestions from your corrections, merge overlapping bills and rules, a Rule filter in transactions, and a clearer bills calendar. • Faster bank accounts: accounts load instantly and sync four times a day, with 20 manual refreshes a month. • Alerts and recaps by email: opt-in bill and over-budget emails, your monthly recap and weekly digest without the app, and "Hide amounts" now covers emails. • Steadier retirement spending: a new Constant Dollar option, and a Guyton-Klinger fix. • Notifications on iPhone now arrive reliably. • Security and privacy improvements.

A big update to bills, transactions and planning: • Money patterns: every bill and every rule that files your transactions, in one list. Tap "Expect it" to turn a rule into a bill, and a bill counts as paid when its rule files the payment. • Smarter bill suggestions: find recurring bills any time; cancelled subscriptions and refunds are left out, and each suggestion comes with the rule that will file it. • Feels more at home on iPhone: swipe actions on transactions, swipe back from the edge, haptics, pull down to refresh your bank, the iOS share sheet, and no white flash in dark mode. • Find any transaction: group by month, account, payee or category, combine filters, save views, or search in plain words like "dining over $50 last month". • Moves between your own accounts are linked automatically, so they never count as spending or income. Cash that bought something you track, like a car, can be a transfer into it. • Track your contribution room: RRSP, TFSA and FHSA in Canada, IRA, 401(k) and HSA in the US, with payroll contributions counted each payday and a warning before you go over. • Your retirement plan now shows today's dollars by default, with a toggle for future dollars. • Fixes, including a launch crash on iOS 27, signing in from the welcome screen, and AI categorization on large imports.

• YNAB connections now load and sync correctly, with clearer guidance for expired tokens, missing budgets, rate limits, and blocked connections. • Cleaner iPhone navigation and improved mobile layouts, including scrollable account sheets and better dark-mode readability. • More reliable onboarding, in-app purchases, and native analytics. • General stability and polish.

cinder.fi arrives on iPhone. • Plan retirement with your real numbers — full tax engines for every Canadian province and all 50 US states, projected year by year. • Connect your banks for live balances, holdings, and transactions. • Budget the month and watch each choice move your retirement timeline. • Ask cinder, your built-in AI guide, what any dollar changes. • See where you stand against Coast, Barista, Lean, and Fat FIRE. • Lock the app with Face ID; turn on gentle reminders in Settings. Every dollar moves your timeline.