This update sharpens the interface: the iPad layout now uses a centered, comfortable reading width instead of stretching edge to edge, plus small display fixes. iPhone is unchanged.

Sinkstack 2.3 — a pro upgrade for your sinking funds, still 100% offline. • Paycheck Allocator: split an incoming amount across every envelope by proportional, priority-waterfall, or even strategy — to the exact cent, never creating or losing a penny. • Two-way What-If Solver: "reach my goal by this date → here's the monthly," or "at this rate → here's the finish date." • Catch-Up Plans for any envelope that's fallen behind, spread over the periods you choose. • Recurring bills that auto-reset: annual, semiannual, quarterly, or monthly funds roll over on their own. • Insights roll-up: total monthly set-aside, 30/60/90-day cash needs, over/underfund counts with one-tap reclaim, and a monthly-net chart. • Export a PDF statement. No account, no bank links, no cloud — every number stays on your device.

Introducing the This Month planner — see exactly how much to set aside this month, which funds are on pace, and which are behind, with a one-tap catch-up. Plus per-year breakdowns, a busiest-month view, and a full accessibility pass with Dynamic Type and VoiceOver.

New Funding Calendar: a 12-month forward view of every envelope's cash-flow — how much to set aside each month, when bills come due, and which months are a "crunch." Plus stability hardening: ledger-authoritative balance reconciliation, ordered two-file persistence, locale-correct money parsing (no more $0 from a stray double-dot or $1250 from "12,50"), and a confirmation step before deleting a ledger entry.

Sinkstack 2.0 is a major upgrade. Per-paycheck contributions (weekly, biweekly, semimonthly, monthly, quarterly, annual) with accurate projections; a due-date solver that calculates exactly how much to save each paycheck plus a catch-up amount; withdrawals and revolving funds that refill without erasing history; optional on-device due-date reminders (7/3/1 days ahead); 60+ starter templates across 12 categories; a balance-over-time chart on every envelope; editable envelopes; CSV export of all envelopes and the full ledger; a category-grouped dashboard with totals; and a 16-color palette. Still fully offline — no account, no ads, no tracking, no subscription.