Fixes: • What-if now works from the whole month — all of its income, less every budget, bill and expense — and leads with what the month leaves, not just the change. Create a new what-if to pick up the full figures; saved ones keep their copy. • Repeating income, such as weekly pay, now counts in full for the month on the dashboard, budgets and monthly template. • Credit cards, loans and mortgages are treated as money owed: their balances show as negative and are never counted as income or savings. • Zakat deducts what you owe: card balances in full, loans and mortgages by the rule you choose in Zakat settings. • Pay that arrives a little different from what you expected is counted once, at the amount that actually landed — add the name it shows on your statement under Income so it can be recognised. • Credit card statements import correctly: purchases as spending, repayments as transfers, never as income.