• Payment Reminders for Debts & Loans: Never miss a payment again. Create custom reminders for any debt or loan and get notified before, on, or after each payment is due — at exactly the time of day you choose. • Reminders That Follow Your Schedule: Reminders automatically track each debt's payment frequency — weekly, biweekly, monthly, quarterly, yearly, or end-of-term — and stay in sync when due dates change or a debt is paid off. • Personalized Reminder Messages: Write your own notification text with smart tokens for the debt's name, payment amount, and due date, and see a live preview of exactly what your notification will say. • Reminders Manager: A dedicated manager screen for creating, editing, and toggling reminders, plus reminder badges and quick actions right on your debt rows. Tapping a notification takes you straight to the relevant reminders. • Reminders Sync with iCloud: Your reminders sync across all your devices, and each device schedules its own notifications automatically. • What's New After Updates: After updating the app, a one-time What's New screen now highlights everything that changed in the new version. • Discover Our Apps: Explore our other apps from the redesigned Preferences screen, with search, category browsing, and App Store pages you can view without leaving the app. • Fixes & Stability Improvements: General bug fixes, performance tuning, and reliability improvements across the app.

- All-New Tags System: Create custom tags with names, colors, icons, optional date ranges, and template presets. Manage them all from a dedicated Tag Manager organized into active and unused sections. - Preferred Tags for Faster Entry: Pin your most-used tags in settings and apply them instantly while creating transactions. - Tagging Built Into Transactions: Add, edit, and clear tags directly from transaction creation, editing, and transaction rows with color-coded tag chips and quick actions. - Tag Analytics & Explore Views: New tag dashboards surface totals, activity trends, transaction counts, and most-used and recently-used tags, plus detailed per-tag explore screens with richer metrics. - Tag-Based Spending Insights: Spending Manager now features a horizontal tag spending list with per-tag totals, date-range subtitles, duration filtering, and quick "View All" exploration. - Monthly Spending Summary Sheet: A dedicated monthly summary with category and merchant breakdowns, including a spending-by-category chart that groups smaller categories for clarity. - Spending Explore Enhancements: Reusable category breakdown visualizations and expanded explore flows now support both debt-linked and external transaction sources. - Transaction Search & Detail Experience: Search transactions from the Spending Manager, browse results on a dedicated search screen, and view full transaction details with inline editing. - Smarter Label Suggestions: Transaction label input now surfaces dynamic suggestions from your existing data to speed up entry and keep labels consistent. - Backup Import/Restore Workflow: Import backup JSON data with validation, duplicate detection, progress tracking, and detailed import results. - Export Includes User Tags: Data exports now include user tag records and tag counts for more complete backups. - 44 Languages Supported: AlmostZero now supports 44 languages, making it accessible to users around the world in their preferred language. - 150+ Currencies Supported: Track your finances in over 150 currencies with locale-aware formatting for decimal separators, currency symbols, and percentage displays. - Expanded Localization Coverage: All new screens and flows, including tags, charts, monthly summaries, and transaction details, are fully localized. - iOS 26 Liquid Glass Upgrade: AlmostZero now targets iOS 26 with Liquid Glass visual updates across major navigation and tag management surfaces. - Fixes & Stability Improvements: General bug fixes, performance tuning, and reliability improvements across the app.

What's New in DownPay Version 1.8: - Full Localization Support: DownPay now supports multiple languages, allowing users to experience the app in their preferred language. Nearly every screen and view now features localized text. - Language Switching: Added the ability to switch languages directly from the app settings for enhanced accessibility. - New Languages Available: DownPay is now available in 10 languages: German, English, Turkish, French, Spanish (LATAM), Chinese (Simplified), Dutch, Russian, Swedish, and Italian. - Bug Fixes: Addressed minor bugs to improve overall app stability and performance.

What's New in DownPay Version 1.7.10: - Savings Goal Preview: Easily see how much you need to save daily, weekly, or monthly to reach your goal. Now available on both the savings creation screen and goal details. - Update Card Balance: You can now quickly update a credit card’s balance with a new one-tap action right from within the Spending Manager. - Create New Cards: Added a new shortcut to create credit cards directly from the Spending Manager for easier setup. - UI Enhancements Across Key Screens: We increased spacing and improved layout on key screens such as Edit Transaction, Create Transaction, and Settings for better readability and easier interactions. - Bug Fixes & Performance Improvements: Resolved several issues and made behind-the-scenes enhancements to keep DownPay running smoothly.

What's New in DownPay Version 1.7.9: - Link Credit Card Transactions to Merchants: You can now assign transactions to thousands of apps, merchants, and services for better spending tracking. - Merchant Spending Insights: View all transactions with a specific merchant, broken down by month and year, with a searchable interface. - Favorite Merchants: Mark your most-used merchants as favorites to have them appear at the top of the search list. - Quick Link Actions: Tap and hold or swipe to quickly link a transaction to a merchant. - Offline Merchant Search: Merchant search works without an internet connection, keeping the experience smooth and accessible anywhere. - New Vehicle Icons for Lending Manager: Added vehicle icons to better categorize loans inside the Lending Manager. - Credit Balance Fix for Credit Cards: Properly displays credit balances when refunds push a credit card into a positive balance. - Enhanced Debt Details: Improved layout and readability, plus the ability to copy details like dates and currency amounts. - General Improvements: Various UI tweaks, minor fixes, and performance enhancements to refine the DownPay experience.

What's New in DownPay Version 1.7.8: - Saved Paycheck Allocations: You can now save paycheck allocations to quickly import and reuse them for future pay periods, saving you time and effort. - Update Debts in Seconds: Load previous paycheck allocations to instantly apply payments without manually recreating them each time. - Full Data Export Support: Saved paycheck allocations are now included in full data exports, keeping your financial records complete and accessible. - Manage Your Allocations: Duplicating, editing, and deleting paycheck allocations is possible, and each allocation can include unlimited payments to different debts or items. - Clear Cache in Settings: A new option in the settings menu allows you to clear cached data and free up storage space. - Bug Fixes & UI Improvements: Resolved various UI issues and made refinements for a smoother, more polished experience.

What's New in DownPay Version 1.7.7: Happy New Year to all DownPay users! We have a jam-packed update to start the new year, here is what's included: - Introducing the Lending Manager: Track loans you've given to friends and family with the all-new Lending Manager. Monitor repayments and visualize data with the same graphs and tools as debts. See the total loans you've given out at a glance! - Favorite Spending Categories: Quickly access your most-used categories by marking them as favorites—these will now appear at the top of your list. - Update Credit Card Transactions: You can now edit a transaction and easily change the Credit Card associated with the transaction - Swipe to Delete Debts: Simplify debt management with the ability to swipe and delete debts directly from the table. - Enhanced Context Menus: Enjoy more context menus across the app, including on Categories and Credit Cards inside the Spending tab. - Disable Haptics: Don’t like haptic feedback? You can now turn it off in the newly reorganized settings page. - Reorganized Settings Page: Find and adjust settings more easily with an improved layout for better navigation. - UI Improvements: Enjoy smoother interactions and a more polished design throughout the app. - Bug Fixes: Addressed various issues to enhance app stability and performance.

What's New in DownPay Version 1.7.6: - Export Your Data: You can now export all of your DownPay data into two formats—raw CSV for spreadsheets or a complete app backup file for safekeeping. - Duplicate Transactions: Save time with the new duplicate transaction feature, allowing you to copy and repeat transactions in just seconds. - Easy Value Copying: Quickly copy values throughout the app with a new dedicated copy menu on long press for most data. - New Currencies Added: Expanded global support with additional currencies. - UI Improvements: Small refinements for a cleaner, more polished experience. - Bug Fixes: Addressed various bugs to improve app stability and performance.

What's New in DownPay Version 1.7.5: - Edit Associated Debt Records: You can now edit Vehicles, Real Estate, and Education records linked to their respective loans. This can be done via the "Manage My Data" screen in General Settings. - Change Linked Savings Goals: We've added the ability to edit a source of funds and change the savings goal it is linked to for more flexible financial management. - Spending Manager Update: The Spending Manager now displays the name of each category beneath the horizontal category list, making it easier to identify at a glance. - Freeze Fix: Resolved an issue where editing debts would cause the app to freeze for some users. - New Credit Card Icon Variants: Additional credit card icons are now available to better represent your accounts. - General Improvements: Stability and performance enhancements for a smoother experience.

What's New in DownPay Version 1.7.4: - Spending Manager Tab: Easily track and manage all your credit card transactions in one place with the brand-new Spending Manager tab. - Quick Add Transactions: You can now quickly add new transactions to your credit cards directly from the Spending Manager. - Searchable Transaction Lists: It's now possible to search your transactions for faster access to specific entries. - Hide and Customize Tabs: Control how you use DownPay by enabling or disabling tabs at the bottom of the app to suit your preferences. - UI Improvements: Enjoy smoother number animations and seamless transitions throughout the app for an enhanced user experience. - Savings Icons: New icons were added to represent savings goals for newborns and baby-related expenses. - General Improvements: Various bug fixes and UI refinements to improve app stability and usability.

What's New in DownPay Version 1.7.3: - Custom Debt Sorting: You can now organize your debts in any order you like with our new custom sort feature. Simply enable it in the My Debts table sort menu and drag your debts into the desired order. - New Icons Added: We've expanded the icon library based on user requests! Look out for new icons representing Apple Watches, headphones, concert tickets, and more. - Expanded Currency Support: We've added several new currencies, including the Belarusian Ruble, Hungarian Forint, Danish Kroner, Indonesian Rupiah, New Taiwan Dollar, Sri Lankan Rupee, Brazilian Real, and Romanian New Leu, to better support our global users. - Improved Currency Number Display: Some currencies now properly support displaying numbers with the correct decimal and thousands separator. - General Improvements: Various UI and stability improvements to enhance your experience.

What's New in DownPay Version 1.7.2: - Estimated Amortization: Supported debts now display an estimated amortization, providing a helpful snapshot of your repayment timeline. - Amortization Calculator: Available in the Learn section, this new tool lets Pro users calculate interest, payments, and payoff time with ease. - Total Interest Summary: View total interest costs on supported debts for a clearer understanding of your financial journey. - Category Icons on Credit Card Purchases: Purchases made on credit cards now show icons for their categories to help you track spending. - Hide Paid-Off Debts: You can now toggle to hide paid-off debts from the My Debts table for a cleaner view. - Mozambique Currency (Metical): We’ve added the Metical (MZN) currency to support more users worldwide. - Bug Fixes: Resolved issues with number inputs on iPads and various other UI fixes to enhance your experience.

What's New in DownPay Version 1.7.1: - Estimated Debt Payoff Dates: Visualize payoff dates and explore payment scenarios. - Debt Payoff Calculator: Now available in the Learn section for detailed debt planning. - Decimal Support in All Debt and Payment Screens: Ensures accuracy down to the penny. - Advanced Debt Sorting: Sort by nearest payment due date or alphabetically. - Payment Date Display: See upcoming payment dates directly in the debt table. - Multiple Bug Fixes: Improved iCloud syncing, app logo visibility, currency symbol formatting, and App Store rating display. - iOS 18 Icon Compatibility: Supports new Dark & Tinted features for home screen icons. - Vietnamese Dong Added: Expands the app's currency options.

What's New in DownPay Version 1.7.0: - Paycheck Allocator: Introducing a new way to manage your finances with the Paycheck Allocator. Easily distribute your paycheck across various debts and expenses directly from the app. - Update Debts Enhancement: The paycheck allocator is accessible from within the "Update Debts" sheet on the debts tab and inside the Tools Tab. - New Currency Added: We've added the Uganda Shilling to our list of supported currencies.

What's New in DownPay Version 1.6.11: - New Dark Mode Settings: Users can now pick their preferred color theme from the settings! Choose from light mode, dark mode, or have it match your system settings. - Custom Icon Request Form: Found inside the icon picker, you can now request custom icons directly through the app! - Added Saudi Riyal and Malaysian Ringgit Currencies: We've expanded our currency options to include the Saudi Riyal and the Malaysian Ringgit, for users in Saudi Arabia and Malaysia. - Miscellaneous Bug Fixes and Tweaks: We've made some tweaks and squashed some bugs to improve your experience with DownPay.

What's New in DownPay Version 1.6.10: - New Currency Picker Search: We've added a search function to the currency picker, making it easier to find and select your desired currency. - Currency Request Feature: You can now request additions of new currencies directly through our new currency request screen. - Enhanced Email Support: We've updated our email support screen to include specific categories, allowing you to submit bugs, request new currencies, suggest features, or ask general questions more efficiently. - Added Bulgarian Lev: The Bulgarian Lev is now available as a currency option in DownPay. - Crash Fix: Fixed a crash that occurred on some devices when editing debts from the Data Manager."

What's New in DownPay Version 1.6.9: - Bi-weekly Payment Frequencies: You can now set up bi-weekly payment schedules for your debts. - Bug Fix: We've squashed a bug that caused the edit debt screen to freeze on some devices. - Font Update: We’ve updated the number fonts in the debt and savings managers to a more modern, rounded design for a cleaner look. - UI Enhancements: As always, we're refining the user interface to make your experience as intuitive and pleasant as possible. - Additional Currencies: We’ve added the South African Rand and the Polish Zloty to our list of supported currencies. - Debt Management Enhancements: Editing debts and viewing all transactions for a debt is now easier and more accessible directly from the debt screen. Thanks for using DownPay! We're committed to improving and expanding the app to better serve you.

What's New in DownPay Version 1.6.8: - Detailed Debt Breakdown Chart: You can now view a comprehensive Debt Breakdown pie chart that visually displays how much each debt type contributes to your overall debt portfolio. - Welcome to DownPay: New users will be greeted with a "Welcome to DownPay" screen that includes a brief tutorial slider to help you get started. - Updated Debt Manager Settings: We've revamped the Debt Manager settings screen, grouping items and including new table settings for easier management. - Access the Welcome Screen Anytime: You can now revisit the welcome screen at any time from the settings menu. - Bug Fixes and UI Enhancements: We’ve squashed a few bugs and made some UI polish here and there for a smoother experience.

What's New in DownPay Version 1.6.7: - Detailed Release Notes: The "What's New" screen has been created to display detailed release notes for all DownPay versions, complete with screenshots and detailed explanations for every release. This feature allows you to stay informed about all the updates and improvements made to the app over time. - Join Test Flight Beta: Interested in seeing the latest features before they go live? It's now possible to join the Test Flight beta for DownPay. Get early access to new updates and help us refine the app by providing your valuable feedback. - Explore the Feature Roadmap: Curious about what's next for DownPay? You can now view our feature roadmap directly in the app. Explore all the latest features we plan to build and see the future direction of DownPay. - Bug Fixes and UI Improvements: We've squashed some bugs and made several UI enhancements to improve your experience with DownPay. Thank you for choosing DownPay! We're excited to continue improving and expanding the app to serve you better.

What's New in DownPay Version 1.6.6: - Revamped Vehicle Addition Experience: Adding your vehicle to DownPay has never been easier! You can now search for your car by make or model from an extensive list, or continue to use the custom form picking functionality. - Expanded Vehicle Database: We've added manufacturers and hundreds of car models from international markets, offering a broader selection for global users. - New Edit Debts Option: For enhanced usability, we've added an option to edit debts directly from the bottom of the explore debt view. - iPad Landscape Orientation Support: Enjoy more flexibility with added landscape orientation support for iPads, making it easier to manage your finances on larger screens. - Philippine Peso Currency Added: Responding to user requests, we've included the Philippine Peso (₱) and its symbol in our currency options. - UI Enhancements: We've made minor updates and improvements to the user interface, enhancing the overall look and feel of the app. We're excited to roll out these updates to make your DownPay experience even better. Thank you for your continued support and feedback!

What's New in DownPay Version 1.6.5: - Data Manager: A new feature in settings that allows you to easily view and delete all the data you've entered into the app. - Revamped Edit Debt Experience: We've completely overhauled the Edit Debt screen, now organized into Information, Schedule, Financials, and Linked Asset categories for a more streamlined experience. - Swipe to Delete Transactions: Deleting transactions is now as simple as a swipe, making account management quicker and more intuitive. - Updated FaceID Screen Design: We've given the FaceID screen a fresh, new look to enhance usability and aesthetics. - Enhanced Settings Toggles: All settings toggles now include an icon for easier navigation and a more visual experience. - Renamed 'Conceal Balances': To improve clarity, we've renamed this feature to 'Hide Balances.' - New 'Hide Rate on App Store' Option: You now have the option to hide the 'Rate on App Store' button. - Social Media Links Button: Easily access all our social media platforms directly from the settings with a new dedicated button. - Bug Fixes and UI Improvements: We've squashed some bugs and enhanced various UI elements to improve your overall experience. We are continually working to enhance DownPay to better meet your needs. Thank you for your continued support!

What's New in DownPay Version 1.6.4: - New Currencies Added: You can now use Algerian Dinar and West African CFA franc as your default currencies, expanding our support for users in Algeria and Ivory Coast. - Enhanced Security with FaceID: We've updated FaceID functionality for enhanced privacy. Now, your screen will automatically blur when switching apps or exiting, keeping your financial information secure. - Currency Display Fix: Addressed a bug that prevented currency types from displaying correctly when changing currencies. All amounts should now show the correct currency symbol in the UI. - Improved FaceID Re-entry Behavior: Fixed an issue where re-entering the app with FaceID would incorrectly redirect users to the debt manager tab. It should now remember your last position. - Stability Enhancements on Mac: Resolved a crash that occurred when attempting to access the 'request a feature' link on Mac devices. - Consistent App Icon Display: If an alternate icon is selected, it will now appear consistently throughout the app for a more personalized user experience. These updates are part of our commitment to continuously improve DownPay, ensuring it remains secure, user-friendly, and adaptable to your needs. Thank you for choosing DownPay!

What's New in DownPay Version 1.6.3: - Customizable App Icons: Personalize your app experience by choosing from new Home Screen icons, including a Dark mode variant. Tailor DownPay’s look to fit your style! - UI Improvements: We've squashed some bugs to enhance the interface, making your experience smoother and more intuitive. - Seamless Upgrade to Pro: Upgrading to Pro? The app now refreshes immediately, ensuring a smooth transition and instant access to premium features. Explore these new updates and tailor your DownPay experience just the way you like it!

What's New in DownPay Version 1.6.2: Enhanced Savings Management: - We've overhauled the Savings feature to support a wide variety of savings goals, including Emergency Funds, new Vehicles, Vacations, Home Renovations, Events, Celebrations, and more. UI Enhancements: - Adjusted the layout and colors of certain UI elements for a cleaner look. - Advertisements are now more clearly distinguished with a top and bottom "Advertisement" border to enhance user experience. - Enhanced UI elements for iPad users, making them larger and easier to interact with. Functionality Improvements: - Increased the free limit for Savings from 1 to 2. - Added "In a grace period" status for debts, providing more flexibility in managing payments. - Real Estate Property entries no longer require an address, simplifying the addition process. - Most form fields now display a required or optional indicator to guide you during data entry. - Currency Customization: You can now change the currency used throughout the app, aligning with our global release in all App Store international markets. Bug Fixes and Stability Improvements: - Fixed a typo in Buy Now, Pay Later Installments. - Resolved a crash issue when viewing Savings. - Addressed various bugs, including a crash on Mac when accessing Settings, enhancing overall app stability. Explore these new features and improvements as we continue to make DownPay your go-to app for managing finances seamlessly and effectively.

New Feature: iCloud Sync for Account Data Keep your DownPay data synced across all your devices! Whether you’re switching to a new device or want access on multiple devices, iCloud Sync makes it seamless and secure. New Feature: Expanded Learning Section Ready to boost your financial knowledge? Explore over 80 new topics in our enhanced learning section, designed to help you understand and master personal finance. Improvements: Bug Fixes We’ve ironed out a few bugs to make your DownPay experience smoother and more reliable. Enjoy these updates and continue your journey to financial mastery with DownPay!