Improved backup and restore. Your backups are now better protected and restore more completely, so moving your finances to a new device is simple and reliable. Plus performance and reliability improvements.

A bigger update: refunds, trends, and dates you can trust. - Refunds are now a transaction type of their own. A refund counts against what you spent instead of looking like another purchase, and editing a transaction keeps its money direction right. - Importing is far more accurate. Money direction comes from the statement itself, refunds are detected across bank formats, and when a refund arrives the app suggests the purchase it belongs to. - New Trends report: compare each category against the previous period and see what moved most. - New report ranges: This Month, Last Month and Last 30 Days, compared against the same dates in the period before. - Filter the ledger by status: All, Uncleared or Cleared. Exports match the rows you see. - Tap an account to open its transactions. A new Dashboard card shows what still needs a category. - Dates are calendar days everywhere. A transaction shows the day you gave it in every time zone, and month and year totals stay in the right period. - Reports no longer show a misleading savings rate or budget percentage when a period is a net refund. - Fixed: deleting one side of a transfer now removes both sides, a transaction can no longer be half turned into a transfer, and a bill due today reads as due today.

Import from more banks, and from YNAB. - CSV files that separate their columns with semicolons, tabs or pipes now import correctly, not just commas. That covers most European and Indian bank exports, and YNAB 4 register files, which are tab separated despite their .csv name. - Amounts written in the European style, such as 1.234,56, now import correctly, as do euro, pound, yen and other currency symbols. Previously those rows were skipped without saying so. - Statements that split money in and money out across two columns, labelled Inflow and Outflow or Credit and Debit, can now be mapped and imported. - Spending trends no longer round a boundary figure the wrong way.

Export your transactions to a spreadsheet, free. - Export to CSV from the Transactions screen. The file matches the filters you have applied, so one account, a date range, or a single category exports exactly the rows you are looking at. It opens in Numbers, Excel, or Google Sheets. - Statements shared into the app from Files or your bank now detect their own columns and date format. Previously a shared statement arrived at the column mapping step with nothing filled in and had to be mapped by hand. - Large totals no longer overflow the ring on the category report. - The investment allocation chart now uses the app's own colours. - Payee and Description no longer autocorrect while you type, so merchant names stay exactly as you enter them.