Zero-based budgeting that never asks for a bank login. Same mission — this one is about localization and better categorization. • New: keep your data on this device only. Switch iCloud sync off in Settings and Thrive stops talking to your other devices entirely — nothing is uploaded, nothing is shared, and nothing is lost. Turn it back on whenever you want. • Bank alert emails are no longer kept. Thrive used to hold on to a copy of the alert so you could check its work against what the bank actually said. Now that copy is discarded the moment you confirm the transaction. Tips you recorded by hand are untouched. Categorizing transactions • The category list is shorter. Tap a category and you now pick the group first — Food, Housing, Transportation — then the category inside it, instead of scrolling one long list of everything. • Changing a category is one tap, and it only changes that transaction. If the vendor has other charges, Thrive then asks once whether to file those the same way. Say “Just this one” and nothing else moves. • Making a rule no longer means selecting the row, opening a sheet, flipping a switch and confirming a match pattern. That sheet is still there under “More options” when you want to edit the pattern by hand. Fixed • A sinking-fund bill is no longer called an overspend. • The “Recommendations” heading on the budget no longer breaks across two lines as “Recommenda-tions” on iPhone.

Zero-based budgeting that never asks for a bank login. Same mission — this one is about your statements doing the work. Statement imports • A statement that lists the same charge twice now imports both. Two identical transfers on the same day are two transfers, not one. • Importing a statement no longer moves savings contributions to Ignored. Retirement, emergency fund and children's savings transfers stay where you filed them. • Ignored is a filter you can switch on and off without losing your search. • Every import now reports what it did: how many rows were new, how many were already here, and what it set aside. • A refund from a shop is no longer filed as a credit card payment. • One payment announced by two banks is now recognized as one payment. Emergency fund • The budget card tells you when the fund will be full at the amount you are setting aside each month, with the date. • Money taken out of the fund now reduces it. It used to be added instead. • Contributions no longer drop out of the budget when you reopen the app. Reserves • The progress bar matches the due date: two thirds of the way through a quarterly bill's cycle it reads two thirds, and it is full in the month the bill is paid. • A bill that came due and never arrived moves the schedule forward and tells you, instead of leaving a due date in the past. • A reserve paying the bill it saved for is no longer reported as overspent. Budget • A finished month says how much stayed in your account — and says when money came out of it instead, which it never used to. • "Savings added to checking" shows what actually stayed and agrees with its own budget line. • The Sync button comes back whenever a past month stops adding up. • Budget History replaces Cash Flow, with savings stacked on the bar and an average saved per month. • Year in review ends at what is left after spending. • The bell no longer raises notices you have already dismissed. • Money you moved between your own accounts is told apart from money you spent.

Zero-based budgeting that never asks for a bank login. Same mission — this one is about your statements doing the work. YOUR STATEMENT NOW CLEANS UP AFTER ITSELF A statement is a complete list of what happened on an account between two dates, and Thrive now treats it that way. Import one and the charges it confirms are settled, the alerts it never mentions move to Ignored, and the duplicates it already answers are no longer put to you as questions. One import used to raise sixty of those. It raises none, because the period a statement covers is now recorded before anything consults it — previously the check ran first and asked about the very window the next line of code was about to prove. CHECK ONE MERCHANT WITHOUT WAITING FOR THE STATEMENT Open your card's app, filter to one shop, and photograph the list. Thrive sets aside what your card does not show and adds what it does — one merchant, one card, one window, and nothing outside those three can be touched. Nothing is deleted: rows move to Ignored with their category intact, so undoing a bad photograph costs you nothing. A REFUND FROM A SHOP IS NOT INCOME A positive amount from a merchant is money coming back from that merchant, and it belongs against that merchant's budget line. Filed as income it was wrong twice over — the month's income too high, and the category still showing the full spend. Four places decided this from the sign of the amount rather than the category. They now all ask the same question. SPENDING YOUR EMERGENCY FUND NO LONGER GROWS IT Money taken out of savings to pay for something was being read as money arriving. Tag the purchase with where the money came from and the fund now falls by what you spent — and that same tag keeps it out of the month's budget, which is what it was always for. THE DASHBOARD OPENS TWENTY TIMES FASTER One card ran two projection engines seven times over on every pass, because the work sat in a property the screen read seven times. It is calculated once now. The cards below the fold wait until you scroll to them. THE BUDGET USES YOUR LATEST PAYCHECK Planned income came from complete months only, which meant a raise waited a full month to be believed. The amount now comes from the deposits already in your account; how often you are paid still comes from the months behind you. A category's budget will also never sit below the set-aside it has to bank — more is a choice, less is arithmetic that cannot work. WHAT'S LEFT, IN THE COLUMN MARKED LEFT Unassigned sat under "Actual" and was never an actual: it is what remains of the plan. It has moved to Left, where it adds up with the rows above it, and the daily figure now shows its own arithmetic — what is left to spend, over how many days. SEE WHAT THRIVE READ FROM YOUR STATEMENT When a charge is missing rather than duplicated, nothing in your ledger can explain it. After an import you can now open the document line by line and see what was read, what was skipped as a balance or small print, and what looked like a charge and was not read at all. Your statements never leave your device. No bank logins, no servers, nothing collected. Be faithful with what you've been given.

Zero-based budgeting that never asks for a bank login. Same mission - AN ANNUAL PLAN, 32% BELOW MONTHLY Thrive Premium is now $65 a year alongside the $8 a month. Same modules either way, and the zero-based budget itself stays free permanently — not a trial. YOUR SAFETY NET KEEPS GROWING AFTER YOU REACH IT The emergency fund chart flattened at your target. A fully funded net looked like it had stopped earning, and the "what if you saved more" slider did nothing at all. The line now keeps climbing on interest once you're there — because at that point the question stops being "when am I funded?" and starts being "how big is the cushion?" BIG PURCHASES NO LONGER ASKS FOR A FUND YOU ALREADY FILLED Your emergency fund could read fully funded on its own screen while Big Purchases still told you to finish it first. Two screens were reading two different numbers: one counted the contributions you had assigned but no statement had confirmed, the other didn't. They agree now, and your target is whatever you set — there is no three-month rule underneath it. RETIREMENT, COLLEGE AND THE HOUSE RUN TOGETHER Clearing debt and filling the emergency fund really are one at a time. The three that follow are not — they run for decades and they are funded from the same surplus. Once the first two are done, the dashboard shows all three, names the ones that are behind in priority order, and says so plainly when every one of them is on track. A BUDGET LINE THAT TELLS YOU WHAT IT SHOULD BE Adding a category used to be a row of name chips and an empty amount box. Now every category in the group is listed with what you have actually been spending there over three months, and you can take that figure or type your own. Creating your own category is its own button, and giving follows the Giving group rather than a checkbox on any line. Your statements never leave your device. No bank logins, no servers, nothing collected. Be faithful with what you've been given.

Zero-based budgeting that never asks for a bank login. Same mission — a faster way in, and the one number that wasn't holding up its end. SETUP IS THREE SCREENS NOW, NOT FIVE The old first run opened with two screens of reading before you could do anything. Now it opens where the work is: bring your statements — bank, retirement, 529, savings, mortgage — in one go, and Thrive files each one where it belongs. Connecting email dropped from four steps to two. YOUR CARD BALANCE NOW COUNTS YOUR PAYMENTS If you pay your card from checking, Thrive wasn't seeing it. The payment sat on the checking side of the ledger, so the card read "nothing paid yet" and went on adding up every charge since your very first import. That isn't a statement balance, it's a lifetime total — which is why your card app said one thing and Thrive said another. Thrive was wrong. Payments now close the cycle no matter which account they were filed against. If a card has been reading far too high, open it: the balance should agree with your issuer today. FIX A CATEGORY WHERE YOU NOTICE IT Tap any spending group or merchant during setup to see every charge inside it, and re-file them one at a time or all at once. A wrong guess used to be visible but unreachable. MOVE MONEY TO THE EMERGENCY FUND, AND WATCH IT MOVE Assign a contribution straight from the budget category, the way Retirement already worked. The account now shows what's been assigned but not yet confirmed by a statement, so the fund total and the account beneath it agree. ALSO FIXED The sinking-cost editor no longer wraps "Every" one letter to a line. Start Over and Wipe All Data are reachable in Settings again. The Outlook app-password help link went dead and now works. Your statements never leave your device. No bank logins, no servers, nothing collected. Be faithful with what you've been given.

FIXED: BILLS ON AUTOPAY WERE MISSING FROM YOUR SPENDING If a bill came in with "autopay" in the description — a utility, an insurance premium, a mortgage — Thrive filed it as a transfer between your own accounts instead of as spending. The money left, but the month's total did not count it, so your surplus looked larger than it was. Every affected bill now counts. Your Out total and anything built on it may go up, and that figure is the correct one. Worth a look at the last month or two if you pay bills automatically.

GIVE SOMEONE EVERY NUMBER AND NO CONTROLS Household sharing now has a view-only member. They see the same live plan you do — budget, retirement, the children's savings, property and debts — and cannot change any of it. For a spouse who would rather just watch, or a teenager you are teaching. Settings → Household states plainly what access each device has, so nobody has to guess. YOUR PRIORITIES NOW SHOW THEIR PROGRESS Each step on the dashboard carries a ring for how close you are, and a bolt when money is going at it this month. Green means the plan is working, amber means it needs attention, and a warning means there is no goal to measure against yet — with the module telling you exactly which one is missing when you tap through. SET A PAYOFF DATE FOR YOUR HOUSE In Real Estate, move the extra-payment slider until the date looks realistic, then make it your goal. Thrive tracks whether you are on plan and puts the house on the dashboard beside everything else. EVERY GOAL CAN FUND ITSELF Set a target and Thrive offers to add the monthly amount to your budget — on the right line. Extra principal lands on your mortgage line, where that money actually goes. A goal with nothing behind it is a wish with a date on it. YOUR HOME'S VALUE, WITHOUT TYPING IT IN Thrive can now read the monthly home estimate Redfin or Zillow already emails you, and offer it for your property. It never changes the value on its own — an estimate is an opinion, and two services can disagree by six figures on the same house — so you see the number, who said it, and you decide. TAG A TRANSFER TO THE FUND IT WAS FOR Moved money into savings for your emergency fund? Assign it, and the fund total moves with it. Thrive stops counting it the moment your statement catches up, so the same deposit is never counted twice. AN ACCOUNT FOR PARENTS WHO WANT NEITHER A 529 NOR A UGMA Children's savings now offers a plain brokerage option — for growing money for a child without a 529's spending restrictions or a UGMA's handover at eighteen. SMALLER THINGS THAT WERE BOTHERING US One retirement number everywhere: the dashboard and the Retirement module could show two different targets for the same household, because each applied its own inflation assumption. Merging vendors actually merges them in your by-vendor budget, and the monthly comparison now appears when you spent less than usual, not only when you overspent. The month card says plainly when your income is not yet fully assigned, and how much still needs a job. Also fixed: a launch crash for anyone carrying a duplicated account; planned income and contribution assignments that could disagree between two phones in the same household; a checking balance on the Emergency Fund module that disagreed with the dashboard; and a year-in-review that treated additional savings as though the money had gone somewhere else.

Share your plan with the person you share your life with. Invite your spouse from Apple's own share sheet — no link to paste, no password between you. You each keep your own Apple ID, and the whole plan crosses: budget, retirement, the children's savings, property and debts. New — view-only members. Give someone every number and no controls: a spouse who would rather just see it, or a teenager you are teaching. They see the same live plan, and the changes stay yours. YOUR PRIORITIES NOW SHOW THEIR PROGRESS Each step on the dashboard carries a ring for how close you are to that goal, and a bolt when money is going at it this month. Green means the plan is working, yellow means it needs attention, and a warning means there is no goal to measure against yet — with the module telling you exactly which one is missing. SET A PAYOFF DATE FOR YOUR HOUSE In Real Estate, drag the extra-payment slider until the date looks realistic, then make it your goal. Thrive tracks whether you are on plan and puts the house on the dashboard beside everything else. EVERY GOAL CAN FUND ITSELF Set a target and Thrive offers to add the monthly amount to your budget — because a goal with nothing behind it is a wish with a date on it. CLEARER ZERO-BASED BUDGETING The month card now says plainly when your income is not fully assigned, and how much still needs a job. Fixes: a launch crash for anyone carrying a duplicated account; planned income and contribution assignments that could disagree between two phones in the same household.

Household Sharing now covers your whole plan. Invite your spouse and you'll both see the same retirement projections, children's savings, property, debts and account balances — not just the budget. Two Apple IDs, no shared password, and joining stays free for them. Budget • Money left over at the end of a good month is now counted once instead of twice. Some months showed nothing left when thousands were genuinely unspent. • The Sync button goes away once a month is squared away, instead of lingering on your best months. • Fixed a phantom $1 shortfall on budgets that balanced to the cent. Transactions • Refunds from shops are no longer filed as credit card payments. "AMAZON MKTPLACE PMTS" is Amazon's name on your statement, not a payment — those credits now return to the category of the purchase they reverse. Retirement • Conservative, Moderate and Aggressive now explain what each means for your own holdings, with Moderate marked as the recommended starting point. • The inflation rate behind your retirement target is visible and adjustable, with one tap to return to the baseline. • You can now delete a workplace retirement account. Fixes • Deleting a duplicate property or account no longer closes the app. • Data-quality notices no longer repeat themselves or come back after you've dealt with them. • Recovery tools in Settings are simpler and safer.

No more duplicate transactions An email alert and the statement line for the same charge are now recognised as one payment, even when your bank dates them a day apart. Same for a card payment announced by both your bank and your card issuer. Settings has a new one-tap repair for duplicates an earlier iCloud sync left behind. Card payments stop counting as spending Paying your card moves money between your own accounts — it isn't an expense. Thrive now reads the confirmation your issuer emails and files it correctly, so your budget isn't thrown off from day one of the month. "Left over" is now Additional Savings Money you didn't spend gets a name and a card of its own. When a category runs hot later in the month, cover it from there instead of just going red. Education (529) has merged into Children's Savings One savings category per child, whatever the money sits in — a 529, a custodial account, or savings in their name. Your history moves across automatically and your totals don't change. Workplace retirement plans Add a 401(k), 457(b) or ESOP with your salary, deferral percentage and your employer's real match — including tiered formulas like "100% of the first 3%, then 50% of the next 3%". Thrive forecasts all of it, and tells you if you're leaving match on the table. A clearer retirement plan Editing opens on the summary instead of re-walking setup, and the new Outlook control shows what Conservative, Moderate and Aggressive mean in percent for your own holdings. Balances say when they were last verified. A year review that adds up The headline reads as a ledger — income, savings, expenses, what's left — using the same words and arithmetic as your Budget screen. Savings is a category you can open. Refunds reduce what you spent instead of disappearing. Household sharing "Stop sharing" now genuinely revokes access, and your invite link can be recovered rather than lost after a restart. Also: money moved between your own accounts no longer creates phantom budget lines, "In" on Transactions shows income only, and several totals that disagreed by a few dollars now match exactly.

Budget module optimizations & family share bug fixes

Stronger email parsing and more intuitive budgeting

Thrive 1.101 — steward more of your story. This release adds two brand-new planning modules and lets you share the whole picture with your spouse. • Children. Track savings for each child in one place — 529, Coverdell, UGMA, and Trump Accounts. Set a target and a date, see a clear growth projection, and get a plain-English read on exactly what it takes to get there. • Giving, reimagined. Set giving goals with a target amount and a deadline, watch your progress on a live graph, and turn the plan into a real budget line in one tap. Cash gifts and tithes trace back to the goal they support. • Household sharing. Invite your spouse from their own Apple ID to see and edit the same budget, same numbers — no shared login. Included with Premium; joining is always free. Also in this update • Reorder your budget's parent groups to match how you think. • Redeem promotional codes for extended access. • A cleaner Settings, an easier-to-find sharing setup, and a one-tap way to reach a real person for support. • More accurate bank balances, sharper category totals, and a faster, lighter app under the hood. Thrive stays fully local-first: your financial life lives in your private iCloud, synced across your own devices — never on our servers. Questions or feedback? We read every email. — The Beacon Digital Solutions team

Improved importer Improved visualization to settings