• Sync between your devices has been reworked. A second device no longer hides its own records: if sync was first turned on on an empty phone, the records from your Mac or the web version become shared automatically, and if both sides have records, the app offers to merge them. Nothing is erased. • A device with no records of its own joins sync by itself as soon as you sign in. Today shows a hint if sync is already running on another device or if this device still has records outside it. • Deletions now reliably reach every device, and the Mac starts syncing right after launch. • Interest on balance: enter the rate of a savings account or deposit and the app calculates interest on each day's balance, compounded daily or monthly, and records it as income once a month. The account screen shows how much has built up and what the balance will earn per month and per year. • Clearer sign-in: you see whether the email or the password is wrong, "Forgot password?" sends a link to your sign-in email, "Don’t remember the email" finds it by the code from your payment email, you can fix your account email and reveal your password. • Finances now speaks Spanish and German: the interface, the assistant, text and voice entry, and statement import. • Hints on the sign-in and account screens help you move between the app and the web version with the same account.

• Your account greets you from the first screen: sign in or create one in a minute — or put it off; tracking works without an account. • Sync through your Finances account: your records match on iPhone, iPad, Mac and the web. They are encrypted on your device, so our server only sees ciphertext. Settings → Sync. • The web version is the same account in a browser on any computer. The link is at the bottom of Today and in Settings. • Loans, mortgages and installments with their terms: marking a payment Paid in Plan reduces the debt, interest is shown separately, with a payment schedule and repayment history. • Prepay with the math done: compare a shorter term with a lower payment — how much sooner the loan ends and how much interest you keep. • Investments without the guesswork: brokerage and deposit accounts show what you put in, what it's worth now and your return — separately from top-ups. • Total in accounts on Today now shows how your net worth changed this month. • Analytics: a complete Overview and a new Loans & Investments section — how much debt you repaid and how much went to interest in the period. • The assistant knows your loans: "When will my loan be paid off?", "What if I prepay 50,000?", "How much did I pay on my loans this year?". • If you had extended access before, sign in or create an account with the same email — the access moves into it automatically, and your records stay where they are. • A tidier Plan: payment and income amounts sit next to their names, the calendar and ready-made sets are one tap away, and the loan calculator can add a loan to your budget right away.

Almost everything in this version comes from your emails and reviews. • Finances account: Settings → Account. The same account as in the web version; the tools available in it open in the app right where they are. Without an account, everything core works as before. • Any repeat: daily, on chosen weekdays, every two weeks, quarterly, yearly. Salary in two installments of one income. • Budget month from payday. If you're paid on the 20th, limits and Safe to Spend count from the 20th: Settings → Income & Calendar. • Payment reminders with the name and amount: "Internet — $15, tomorrow" with a Paid button right in the notification. On payday — Received. • The plan runs itself. A payment can record itself on its day, and a limit's remainder can carry into next month. A Plan calendar and a 3-, 6- and 12-month forecast. • Want to buy. A shopping list in Goals: each item shows from which day it won't get in the way of your payments. Bought it records the expense. • Savings plans. "Save $100 every 25th" — and on that day tap Saved it right in the notification or on Today. • How much you need. If payments exceed your money, Today tells you by which date and how much you need to pay everything on time. • Subcategories, your own tag colors and a "last 24 hours" feed filter. • Widgets. Quick Log records an expense with one tap without opening the app. Paid in the Payments widget. New Payments and Limits widgets for the Home Screen and Lock Screen. • Opt-in alerts: a day summary, limits running low, a subscription that got more expensive, a cash shortfall two days ahead. • Sorting uncategorized transactions: one tap, and the same for every purchase at that store. Select Transactions… changes the category or tags of several records at once. • History checks: uncategorized records, possible duplicates and future-dated entries in the feed's filter menu. • Goals: filters and sorting, a summary across goals. Fixes • Deleting a tag no longer closes the app.

• Create and rename tags in Settings before recording transactions. • Import Excel .xlsx workbooks and use a blank transaction template. Improved date, currency, duplicate and transfer checks before saving. • Fixed summary image sharing: prepare and preview the actual file before sending it. • Updated assistant help and the What's New screen. • A native Mac version with sidebar navigation and a two-column Today overview. • Clearer error messages and retry handling for iCloud shared budgets. Available iCloud storage is required for synchronization.

The things you asked for most. • Family budget. Shared accounts and spending with the people close to you: everyone logs from their own iPhone, and balances and the safe-to-spend amount match for all. Invite with an iCloud link; the data is stored encrypted. Your personal budget stays yours — switch with the button at the top of the screen. • Net worth, loans and debts. Accounts now have a type: card, cash, savings, deposit, investments, loan or credit card. "Total in accounts" on Today opens Net Worth — all your money minus what you owe. Reconcile every balance at once. • Debts with people. Lent or borrowed money? Log it in the Plan: who, how much and by when. Repayment takes one tap, and it's neither spending nor income. • Split a purchase. Spread a supermarket receipt across categories: same total, more accurate plan and analytics. • Rates and quotes. A ticker under the free amount with currency rates, crypto and stocks. It updates on its own and can be turned off in Settings. • Accounts in different currencies. Each account keeps its own currency; totals are converted at central bank rates or at your own. • Loans, installments and deposits. Calculators in the Plan: payment, total interest, schedule, compound interest income. • Settings are organized by topic, like the system Settings app: each one has its own page. • The whole app is now in English — including the assistant, voice entry and statement import from Chase, Revolut, Monzo and N26. Finances Pro levels • Calculators and the monthly net worth chart are part of Analytics; the family budget is part of Analytics + Assistant. • Everything that was free stays free. Access codes keep working until their end date. Assistant • Answers who owes whom and knows currency rates and quotes. • The keyboard no longer pops up on its own and closes with a tap. • The conversation opens at the latest message, not in the middle. • A new "What to ask" button with topics and ready-made questions. Fixes • The "Log Transaction" button responds across its whole width, and its label no longer runs into the "+" when the tab bar expands. • Small layout fixes in the Plan and Goals.

The app now shows you how to use it. • The welcome screen is now a short seven-step walkthrough: where the safe-to-spend amount comes from, how to log an expense in one line, why the plan and goals matter, and where everything is. If you updated, the first step shows what changed. You can replay it any time from Settings. • Two steps explain the three levels and what happens when the 7 days end: only Analytics and the assistant close. Accounts, transactions, the plan, goals, search and export stay free with no time limit, and nothing you recorded is lost. • Finances Pro now sits in Settings right under your accounts, with a line saying how many days are left or what exactly has closed. Assistant: the answer no longer jumps. • The answer used to grow line by line, and the screen jumped along with it, up to seventy times on a long reply. Now the whole answer is laid out from the first frame and the words simply fade in, so the screen stays still. • It can calculate now: a loan payment, the total overpayment and its share of your income, with separate handling for mortgages and early repayment. It also works out how long your money will last, how to split a salary, and the real return on a deposit after inflation. • The knowledge base grew from 53 to 62 topics, including tax deductions, self-employment, choosing a deposit and real returns. Where possible, it answers with your numbers. • Amounts and categories in answers are tappable, the conversation is kept for a week, and when it doesn't understand a question it offers the three closest ones. Analytics: you can now see where you are. • A section index at the top and a floating bar at the bottom: the period, the current section, and a jump to any other. • A new savings card: how much is left each month and your real savings rate for the year. • A forecast for each category and the day a limit will run out. Your largest expenses now say how unusual they are for you. • Average receipt and frequency for each category, compared with the previous period. • Switching the period is several times faster, and the screen no longer stutters when it opens. Fixes • The Finances Pro row in Settings did nothing when tapped. Fixed. • On Mac and iPad, empty screens showed a hard-edged rectangle instead of a smooth background. • The assistant could crash while showing its "thinking" steps.

Записывать траты стало проще. • Голосом. Нажмите микрофон и скажите: «потратил 500 на такси и 1200 в Пятёрочке, получил зарплату 80 тысяч». Приложение разберёт фразу на операции, подставит категории и покажет их перед записью. Речь распознаётся прямо на устройстве. • По чеку. Наведите камеру на QR-код кассового чека — сумма и время подставятся сами, останется выбрать категорию. • Виджеты — в уровне «Аналитика». Свободная сумма и дневной ориентир на экране «Домой» и на экране блокировки, с кнопками записи. Если включены скрытие сумм или вход по Face ID, на заблокированном экране сумм не видно. • Пункт управления, кнопка действия и долгое нажатие на иконку: «Записать трату», «Голосом», «Сканировать чек». • Напоминания о записи. Вечернее приходит, только если за день ничего не записано; ответить можно прямо из уведомления строкой «Кофе 250», не открывая приложение. Есть напоминание после трёх дней без записей и итоги недели. Всё выключено по умолчанию. • Siri: «Финансы, записать трату» — скажете, что потратили, и операция сохранится. «Финансы, сколько я могу потратить» — ответит вслух. «Финансы Про»: аналитика и помощник. • Аналитика за месяц, три месяца или год: темп трат в сравнении с прошлым периодом, прогноз к концу месяца, категории с подробностями, лимиты, регулярные платежи, календарь трат, разбор по хештегам и подсказки «Что заметно». Сюда же входят виджеты. Итоги месяца можно сохранить картинкой. • Помощник думает и печатает ответ: сколько можно тратить, куда ушли деньги, хватит ли до зарплаты, можно ли позволить покупку. Объясняет финансовую грамотность на ваших же цифрах и записывает операции прямо из разговора. • Первые 7 дней аналитика и помощник открыты всем, в том числе тем, кто обновился. Дальше — по коду доступа: «Настройки» → «Финансы Про». Счета, операции, план и цели по-прежнему бесплатны. А ещё вернули задуманное: • График месяца на «Сегодня»: доход и расход по дням недели. Коснитесь дня, чтобы увидеть его суммы, или зажмите и ведите пальцем по дням. • На iOS 26 и новее меню сворачивается при прокрутке: вкладки собираются в одну кнопку, а «Записать операцию» становится круглым «+» рядом. • Скрытые суммы снова «живые»: частицы плывут и мерцают и не нагружают старые iPhone. • На iOS 18 под заголовками снова видны дата на «Сегодня» и месяц в «Плане».

Большое обновление по вашим отзывам. • Свои категории. Добавляйте категории расходов и источники доходов, меняйте название, значок, цвет и порядок, скрывайте лишние. Новую категорию можно создать прямо при записи. • iOS 27: снова работает кнопка «Записать операцию», экраны не перестают отвечать после закрытия окон. • Поддержка iPhone с iOS 18. На старых моделях приложение заметно быстрее: легче анимации, меньше пересчётов при вводе, поиске и прокрутке. • План гибче. Платёж можно пропустить в этом месяце или отметить оплаченным другой суммой и датой. Доход — записать фактической суммой, пропустить месяц, поправить после получения. • Удалить платёж или доход можно прямо в его карточке, с отменой. • После записи в плашке есть «Изменить» — если категория или счёт угаданы не так. • Быстрый ввод понимает «250 кофе», «$5», «-500» и «кофе250». • Команда «Записать операцию» для Siri, приложения «Команды» и кнопки действия. • Операции таблицей CSV для Excel и Numbers. • Порядок счетов: первый в списке подставляется при записи. • Отрицательный остаток — для кредитки и овердрафта. • Face ID: блокировка сразу или через 1, 5, 15 минут; замок закрывает и открытые окна. • Выключенная вибрация остаётся выключенной после перезапуска. • «Удалить все данные» стирает и резервную копию на устройстве. • Если файл данных повреждён, можно импортировать копию или начать заново.