• Fixed a problem where a card charge could appear twice while it was still processing at the bank.

RESTORE POINTS • Your data is saved automatically before you disconnect a bank and after new transactions arrive. Settings → Restore points puts back anything that's missing. BANK STATEMENT CSV IMPORT • AI can categorize rows your rules don't recognise, with an "AI unsure" filter to check its guesses. • File imported rows under an account, and fill in categories on transactions you already have. • Cleaner titles and only the categories that fit each row. ACCOUNTS • When your bank replaces a card, its history is kept — merge it into the new card or keep it as a closed account. • Chart any account's balance over time from Insights → Balances. • A balance that hasn't arrived shows "Unavailable", not $0. SPENDING & BUDGETS • Transfers between your own accounts are no longer counted as spending. • The Budget tab now matches the dashboard, and deleted budget lines stay deleted. • Savings goals no longer count withdrawals as progress. FIXES • Reconnecting a bank no longer creates a duplicate connection. • Syncing no longer duplicates transactions you imported from a statement. • Imported and manually added transactions keep their category. • The home-screen widget no longer counts card payments as income.

Signing out now returns you to the login screen. Until now, signing out left the app open with your data still showing — it just stopped syncing. That's fixed. • Sign out takes you back to sign-in • Signing in with a different account clears the previous account's data and settings, so nothing carries over on a shared device • Signing back in as yourself keeps everything — no re-sync needed • Deleting your account now clears everything from the device, including chat history and savings goals New • Tax Withholding added as a default Money Out category • Refreshed sign-in screen Fixes • Two-factor authentication by text message now works • Credit cards no longer show $0 owed when the balance isn't available yet • Choosing which accounts to include when reconnecting a bank now works • The sign-in screen follows your Dark or Light appearance setting

Credit cards, handled properly. Link a card and wunderBudget now answers two different questions, and tells you which one you're looking at. • Cash out — your dashboard total is money that actually left your accounts. A card purchase counts when you pay the card, not when you tap it. • Where it went — Reports counts what you bought, across every account, on the day you bought it. The two won't match, and that's deliberate: the difference is your card balance moving. NEW: CARD DEBT A dashboard card showing what you owe and whether it grew or shrank this month, with charged against paid for the last four months. Tap through for a per-card breakdown and what you're spending on them. MONEY THAT USED TO DISAPPEAR Sends to Cash App, Venmo, PayPal and Apple Cash were filed as transfers and counted toward nothing at all. They're now ordinary spending, so they appear in your totals and your categories. SUBSCRIPTIONS, REBUILT Your subscriptions list is now driven by the budget categories you choose, and shows what you actually paid this month rather than an average. Dismissed a recurring charge by mistake? You can bring it back. ALSO IN THIS RELEASE • Trends and reports filter by account • Hide accounts you don't want cluttering the filter bar • Bank connections name the accounts they cover • Budgets and alerts measure against cash out, so a card purchase can't trip a limit before you've paid it • Faster, more accurate category totals throughout Note: if you use cash apps or credit cards, your dashboard total may look different after updating. Nothing was lost — the same money is now counted in one place instead of two, or none.

Improvement to bank reconnect flow, and new Ask Chip date range ability.

Minor changes.

This update makes wunderBudget more reliable and your budget alerts more useful. - Smoother sign-in — if your session expires after a while away, you're now prompted to sign back in cleanly instead of hitting errors. - Stay signed in longer between visits. - Budget alerts now show the numbers behind them (for example, "$812 of $700"), so you always know exactly why you were notified. - Tapping a budget alert reliably opens the right category and month.

Ask Chip enhancments.

Ask Chip from anywhere — tap the chat bubble in any tab. Chip answers finance questions and app how-to in one conversation. Chip conversation persists as you navigate between tabs. Tappable message board — tap a message to jump to the relevant screen. Bug fixes and improvements.

Chip is here — Ask Chip anything about your finances from the Insights tab, or tap the chat bubble anywhere for in-app help. This release also includes stability improvements.

Minor improvements.