Switching tabs is calm now: no more flash, and empty views sit at the same height everywhere. New: pay on fixed dates, say the 10th and the 25th — if you use it, your monthly budget counts it once instead of twice. Plus planned charges right in the list, subscriptions as tiles, a net-worth trend, an overspend-risk read on the home screen, "X a day" instead of a bare amount, and a comparison against your own average. A category's symbol can now be swapped right where you log an expense.

Colour where the numbers are: amounts and category icons now carry their category's colour, with 132 emoji to choose from — including for the built-in categories. Budgets read faster. Every row says in one word where it stands, and a mark in the bar shows where you should be by today. Above the groups sits what is not yet budgeted from your monthly income. When an envelope is overspent, you can cover it from another one straight from the row. New in Stats: your spending pace against the plan, and this month against last. Do the maths in the amount field: combine a receipt or take off a share someone else paid, with + and − right beside the amount. Also: the keyboard closes when you tap anywhere. Switching tabs is smoother. And the monthly plan shows its price correctly again.