The Map loads much faster: the score, the road and the route now arrive together in one request.

The Silo 3.0 adds the Map: the same money, drawn as a field. Switch between Books and Map under More. • Net worth is the score, with the road ahead to your 1, 3 and 5 year outlook and a homestead at the end when your plan reaches debt-free. • Each debt is a gate on the route, in your plan's order; a gate swings open when the debt is paid off. • Each savings goal is a silo that fills to its real progress, with the month it fills at your current pace. • Everyday spending is a fence line: this month against your own three-month average, with today's pace marked. • Marks record what happened — a debt paid off, a quarter of your debt gone, a goal filled, net worth past a line — with a harvest sheaf, never a streak or a score. • Every figure on the Map is the one in your books; nothing is estimated for effect. Also since 2.6: • The overdraft warning folds to one line — "Potential overdraft", the account and the date — and opens on a tap. • When an account is about to dip, the suggestion says when it goes below zero, how low, when it comes back, and the one-time move that holds it. • Cards can say who issued them. An American Express card auto-pays the statement balance, never "in full", because that's what Amex does. • Categories, under More, now shows what each category moved between two dates, with card payments set aside and the net for the period. Manage is in the toolbar. • On Upcoming, swipe a scheduled bill to mark it paid today; Undo puts it back on the schedule. • On the Home plan, when you add a transaction, the category you picked before for the same description is suggested. • Support requests show the day you sent them, in your time zone. • Category pickers list expenses first, then income, each A–Z — like the site. • The Outlook tile's date sits on one line. • If your sign-in has expired on another device, the app takes you to the sign-in screen instead of an empty dashboard.

The Silo 2.6 wears the site's look: the same colours, cards, badges and notices you know from buildyoursilo.com. • Account and debt pages now show what's coming up for them, and each account page opens its own ledger. • Mark a transaction cleared, edit it or delete it right from the account page. • Edit or delete a charge right from the debt page. • The overdraft rescue tip now says exactly what the site says, with the day and the amount, and tells you when a move would only cover part of the gap. • Entries that touch another member's private account are marked private and can't be changed from your side. • Categories are unlimited on every plan. • Empty lists say what belongs there, and errors show as a notice instead of red text. • The payoff Plan is now a top-level item in the sidebar (Mac and iPad). • Mac: ⌘1 to ⌘9 (⌘0 for More) jump between sidebar sections, and the window opens at the site's width.

• A card in credit reads "Credit: $250.00", never a minus. • Rates read as the lender prints them: 6.125% stays 6.125%. • Every edit form keeps its labels, so a balance and an original balance are never two bare numbers. • The full debt form: pay in full, a percent minimum with its dollar floor, statement-balance auto-pay with the close day, a payoff target date, and promo rates on cards only. • Loans and mortgages take a principal-only payment. • Upcoming reaches ten years, with dates that read "Thu, Oct 1 · in 8 days". • Transfers read "⇄ $150.00" and name both accounts. • CDs: an account type that counts in net worth and nowhere spendable, with a note under Cash on hand. • Fixes: a card that never pays off at the minimum says so; dividends record with their real amount; the Outlook horizon no longer changes the household default.

• Your own payoff order: drag debts into the order you want them gone, give any of them a target date, and see whether the date holds. • Plan totals up top: debt-free date, monthly budget, total interest, and what your extra saves. • Every plan preference on the More screen, including mortgages in or out and the default forecast horizon. • Everyday spending: the cut slider sits above the categories, and the plan and everyday screens refresh the moment a preference changes. • Mac: the same grouped look as the iPad. • Fixes: a lumpy month no longer ends a plan as “never”, and the everyday slider no longer flashes “cancelled”.

• Holdings now live right on the investment account screen, above recent activity — positions, market value, gain, add and refresh prices without an extra tap. • Choosing a section from the sidebar or tab bar takes you straight to its list. • Auto-pay can post the monthly minimum or the full balance. • A monthly digest of every debt payment: due date, minimum, plan amount, balance and account. • Everyday spending and what-if tools: cut spending, sell holdings, take on a loan, or add a cost and see the payoff move.

• Everyday spending: see where the habitual money goes by category, then ask "what if I cut $500 a month?" and watch the debt-free date move. • What if: sell holdings (margin repaid first), take on a loan or mortgage, or add a monthly cost or purchase — each re-runs your real payoff plan. • Expandable plan months showing interest, expected charges and 0% conversions. • Multiple 0% installment plans per card, each with its own charge day. • One ledger per debt: charges, credits and payments together, with cleared marks and a Cleared filter on Transactions. • Auto-pay can post the minimum or the full balance. • A monthly digest of every debt payment: due date, minimum, plan amount, balance and account. • Guided setup: Quick start or a full year rebuilt from your schedules, with first-visit tips. • Delete your account from More.