- One story per screen. The bill warning at the top of Projected Cash Flow now uses the same numbers as the timeline below it, so it can no longer say a bill will not clear while the forecast says you are on track. - Fresh balances. Coming back to the app after a while now re-pulls your bank balances, so the forecast never starts from last night's number. The Cash Flow card shows when the bank last reported.

- Undo now covers edits too. Changed a bill's amount, schedule or date and want it back? Tap the undo button at the top right of Projected Cash Flow.

- New "More from Hardaway Labs" section at the bottom of Settings, where you can find our other apps. - Fixed: a paycheck or bill due today no longer shows as past due first thing in the morning. It stays in your timeline for today and counts toward your balance.

- Undo is now a small button at the top right of Projected Cash Flow. Tap it to see exactly what will come back. - Bill alerts are more accurate: a bill paid a few days late now counts as paid, and texts only say "no payment posted" for bills that normally show up in your bank under their own name.

- Fixed a missed bill going unseen. If you paid a bill one month and missed it the next, it could drop out of Past Due and out of your projected balance entirely. It now shows in Past Due and comes off what's safe to spend. - Critical bill reminders now keep nudging you each morning while a bill stays overdue, until you mark it paid. - Monthly bills now land on the same day every month instead of every 30 days, so they no longer creep earlier over time. A bill on the 31st falls on the last day of shorter months, and if you pick the last day of a month it stays on the last day. - "Next due" now shows the next date you actually owe, not the first date you entered. - Bills you mark paid or dismiss from Past Due now show in your paid list, where you can undo them.

- See your next 30 days before you start: type your balance, your paycheck and your biggest bills, and Budget Shield shows your low point and what's safe to spend. What you enter becomes your first reminders. - Undo. Deleted a bill or paycheck by mistake? An Undo button appears at the top of Projected Cash Flow and brings it right back, even after you reopen the app. - Projected Cash Flow now refreshes your bills and income every time you open it. - Fixed the "Not in cash flow" list overstating what some budgets spend. Spending that isn't filed under a specific budget no longer counts toward every catch-all budget at once. - Export your transactions as a CSV from Settings. - A clearer Premium screen, and a tidier Settings page: switches that didn't do anything are gone, and the version number is now correct.

BILL GUARD, NOW IN THE APP - The bills the guard is warning about now show up inside the app - on the cash-flow screen and in a Bill watch list - not only in notifications. - Each flagged bill has two clear actions: match it to the charge that paid it, or confirm you paid it another way. - Fixed a false alarm that could report many failed payments when only one had failed. - A warning that can't be delivered as a notification now escalates to a text (opt-in under Settings > Text Alerts). ONE HONEST NUMBER - "Extra you can spend" is now the same everywhere: the app, the home screen widget and the daily summary all use the low point of your 12-month forecast. - The 30-day breakdown is collapsed by default. The answer comes first; the arithmetic is one tap away. PERSONAL & BUSINESS - Money you move between your own accounts or books is neutral: it no longer counts as spending or income on either side. - A budget counts the bills you assigned to it, in every view. ALSO - The Budget and Cash Flow screens now point out spending that no reminder covers, so the forecast can't quietly miss it. - Past-due bills honor edited amounts, and matching a charge can update the bill.

Budget Shield now warns you before a bill bounces. NEW: BILL BOUNCE GUARD - Looks ahead at your real balance and upcoming bills, and warns you days before a payment would land on a day you can't cover it. - Watches every recurring bill. If a due date passes and no matching payment shows up, it flags the bill instead of letting it slip by silently. - When it can't tell - a charge posts that's close but not exact - it asks you to confirm in the app. Silence never counts as paid. - Warnings arrive as a notification first, and escalate to a text if still unresolved. Texts only ever go to a phone number you've verified, are on from the start so protection never ships switched off, and can be turned off anytime under Settings > Text Alerts. NEW: PERSONAL & BUSINESS - Run a business from the same accounts? Tag accounts and recurring bills as personal or business, and your cash flow, Safe to Spend, and daily summary keep the two sides apart. Money you move between them counts as spending on neither side.

New: a daily purchase summary by text. Turn it on under Settings → Text Alerts and you'll get one short message each morning recapping what you spent the day before — so you start the day knowing where your money actually went, without opening the app. It stays off until you switch it on, it only ever goes to a phone number you've verified, and you can switch it back off from the same screen at any time. Reply STOP to any text to opt out instantly.

Your full transaction history now loads. Older transactions were being cut off before they ever reached the app, and repeat purchases made on the same day were being merged into one. Both are fixed, and the missing history has been restored. Bills now clear themselves. When the real charge posts, the matching bill drops off Past Due automatically — including charges on accounts you've hidden from the list. Deposits reconcile the same way, so a paycheck that already landed is no longer counted as still coming. Hidden accounts can no longer hide silently. If muting an account is holding transactions back, the Transactions tab now tells you how many and offers a one-tap Show All. Corrected the free cash figure on the Coach card. It now equals your income minus your bills, matching the breakdown shown right underneath it.

See exactly what makes up your bills. Tap the Bills figure in your cash flow to open a full breakdown — every reminder counted, what each one adds, and one tap to edit or delete anything that is wrong. Transfers between your own accounts are called out separately, so money you move to savings no longer looks like a bill. Your 30-day net is now stated plainly, and shows as a negative number when you are spending more than you make. Moving a past-due bill to a new date now happens instantly.

Your income can now stay in sync by itself — choose Automatic and the app reads the paychecks in your Cash Flow, including any you edit. Budgets are now capped at what you actually make, minus a safety cushion you choose. New budgets start with your income, so every plan begins from what you have. Bill reminders can now fire the day before or the day of, and you can set a whole category — like all your utilities — in one tap. Make your own budget categories, shared with your household. Edit a single paycheck without changing the whole series. Every transaction now shows its date, and tapping one shows everything your bank shares about it.

Adding a bank account now happens right inside the app instead of opening a web page. New safety cushion: see how much of your income stays unbudgeted, and set how much to protect. Fixed a bug that made budget amounts impossible to change. Fixed a bug that reported a failed connection when your bank had actually connected. The forecast screen no longer freezes while it loads.

• Family sharing invites now link straight to the App Store so anyone can join your household in seconds • Fixed sign-up with Apple on the welcome screen • Polished the sign-in experience

Introducing Budget Shield Premium. Start a free 7-day trial, then unlock AI-powered subscription tracking, cost-cutting insights, cash-flow forecasting, and smart spending alerts. Plus a refreshed welcome experience to get you set up fast.