The Assistant is now a chat: each question opens a conversation, the list of conversations is the first screen, and typing into an open one continues it. Answers show key figures in bold and lists as lists; save as report keeps a whole conversation as one file. Picking your primary checking account is one tap on the Today setup card, and closed accounts kept only for history are no longer offered. Fixes and performance improvements.

Connecting banks is quicker: the Connect button is free again the moment your bank's sign-in opens, each sign-in still in progress is listed under it, and the bank appears the instant you come back. Each linked bank shows how much history it was asked for, and "more history" relinks it with a wider window. The setup wizard now settles every detected bill before it moves on and picks your primary checking account for you when there is one. Fixes and performance improvements.

The app offers the store's newer build when it comes to the front. On Android the whole screen now moves up for the keyboard, so no field hides behind it. Advisory fees, fee-exempt accounts and cost-basis overrides can be set from Settings. Today's tiles pace a budget by the days actually in the ledger, and a month nobody budgeted says so. An imported checking account asks for its balance instead of reading as missing. Sign-in says when the server is busy. Fixes and performance improvements.

The assistant now draws charts and tables, keeps every answered question for the whole household, and saves any answer as a report you can share. A mixed Costco or Amazon run is split into the categories its receipt names, so each part counts in its own budget. Bills remember the prices they used to have, so a payment at an earlier price still counts and a price change is offered for approval. Loan payments on imported statements land where they belong. Fixes and performance improvements.

Folder imports run in the background: drop a folder, leave the screen, come back to each file's result, cancel the rest any time. A YNAB register with several accounts asks where each one goes. Re-importing a statement corrects earlier rows instead of adding twins. A savings goal with match words needs a destination account. After a password, login-email or second-factor change, new bank links are held until you confirm the saved keys are yours. Fixes and performance improvements.

The monthly report card now leads with what you kept, and a new year-in-review email arrives each January. Mark a business member as your household and the tax set-aside is measured on your share of the profit. Bills can step back through past months. After a password reset or 2FA change, the household's own mail relay, extra recipients and AI endpoint pause until the owner confirms they are theirs. Fixes and performance improvements.

When your bank takes a posted charge back out of its feed, the bill it had paid now says "withdrawn by the bank feed" instead of overdue, and clears itself when the bank posts the charge again. Fixes and performance improvements.

Reconnect a disconnected bank from its account editor, and a bank linked through SimpleFIN comes back when you connect a new setup token. The year-end package and the 1099 list take a year, and card payments show beside each contractor's 1099 figure. A custom bill interval stays selectable, the Auto theme sticks, and a recipient or mute change on one phone no longer undoes another's. Fixes and performance improvements.

A merge suggestion on Merchants now shows both merchants and what joining them would make, with live counts, before you decide. When no retirement age works, Retire tells you how much more to save each month to get back on track. A merchant's map link searches for the place itself. A charge your bank's line has always meant one store no longer lands under a stray name. Fixes and performance improvements.

Bills follow merchant identity, so a renamed or merged merchant keeps paying its bill; the Merchants page is rebuilt around one list with a detail screen, Rename and Merge into; spellings that look like one business are offered for merging. Cash Flow adds This month and 1m. Remove a stuck pending charge after 14 days. Attach a check photo from your library or a check PDF. Faster merchant detail; fixes across reports, sync and restore.

The daily push notification now says the verdict — on or over budget, the top driver, today's allowance — instead of "your verdict is ready". Setup asks how the daily verdict should reach you: email, push, both or off, and at what hour. Email & Push, and a Preferences section for the home page, replace the old Email settings; the Bills calendar stands alone with a day's events one tap away. Bills, envelopes and the month verdict agree again about early payments and annual pools; the status-bar icon is drawn correctly.

• Lost your password, authenticator and recovery codes? There are now two ways back in, including a 7-day recovery you can cancel from any device. • Ledger filters rebuilt; account and category are drop-downs. • The Accounts header is two small doors: Connect (owners) and Add account. • Sheets stay above the keyboard. • Reimbursements can pair a card charge with the refund credited back to that card. • Feedback is also bug reporting: one form, two kinds. • A reduced daily allowance says how many no-spend days bring it back. • The notification icon renders cleanly on every Android edge.