Sinkstack 4.0 • Paycheck Plan: see what to set aside from each upcoming paycheck, computed from your own funds and pay schedule. Book the next paycheck's set-asides in one step or export the plan as CSV. • Backup & Restore for all your funds, ledger, pay schedule and Payday Bridge plans. • Next Payday and Quick Actions widgets, a Control Center control and Siri / Shortcuts actions. • New tab layout and clearer wording throughout. • Removed the separate StressLab workspace, which used sample figures instead of your data.

A clearer App Store name and search details. No other changes in this update.

Payday Bridge Payday Bridge projects a dated cash pool so you can see shortfalls before payday, even when the period ends with money left over. 1. Open Payday Bridge from the dashboard. Enter an opening cash amount, desired buffer and 1–90 day horizon, or explore the labeled example. 2. Add dated income and payments. Mark uncertain income, then compare the entered baseline with uncertain income excluded or all paydays delayed by up to 14 days. 3. Inspect the lowest daily closing balance, same-day posting-order sensitivity and exact daily ledger. Save the plan and share its dates and assumptions. Manual USD planning for one cash pool, with up to 200 entries per plan and 50 saved plans. Amounts are stored as integer cents. Payments-before-income assumes all same-day outgoings precede incoming cash; actual posting order is unknown. Delayed income beyond the horizon is reported separately. No bank account is connected and no payments or envelope-balance changes occur. Include all obligations and avoid counting envelope transfers and their eventual bills twice.

This update sharpens the interface: the iPad layout now uses a centered, comfortable reading width instead of stretching edge to edge, plus small display fixes. iPhone is unchanged.

Sinkstack 2.3 — a pro upgrade for your sinking funds, still 100% offline. • Paycheck Allocator: split an incoming amount across every envelope by proportional, priority-waterfall, or even strategy — to the exact cent, never creating or losing a penny. • Two-way What-If Solver: "reach my goal by this date → here's the monthly," or "at this rate → here's the finish date." • Catch-Up Plans for any envelope that's fallen behind, spread over the periods you choose. • Recurring bills that auto-reset: annual, semiannual, quarterly, or monthly funds roll over on their own. • Insights roll-up: total monthly set-aside, 30/60/90-day cash needs, over/underfund counts with one-tap reclaim, and a monthly-net chart. • Export a PDF statement. No account, no bank links, no cloud — every number stays on your device.

Introducing the This Month planner — see exactly how much to set aside this month, which funds are on pace, and which are behind, with a one-tap catch-up. Plus per-year breakdowns, a busiest-month view, and a full accessibility pass with Dynamic Type and VoiceOver.

New Funding Calendar: a 12-month forward view of every envelope's cash-flow — how much to set aside each month, when bills come due, and which months are a "crunch." Plus stability hardening: ledger-authoritative balance reconciliation, ordered two-file persistence, locale-correct money parsing (no more $0 from a stray double-dot or $1250 from "12,50"), and a confirmation step before deleting a ledger entry.

Sinkstack 2.0 is a major upgrade. Per-paycheck contributions (weekly, biweekly, semimonthly, monthly, quarterly, annual) with accurate projections; a due-date solver that calculates exactly how much to save each paycheck plus a catch-up amount; withdrawals and revolving funds that refill without erasing history; optional on-device due-date reminders (7/3/1 days ahead); 60+ starter templates across 12 categories; a balance-over-time chart on every envelope; editable envelopes; CSV export of all envelopes and the full ledger; a category-grouped dashboard with totals; and a 16-color palette. Still fully offline — no account, no ads, no tracking, no subscription.