Navi adjusts your budget. Under Give a job on the Plan tab, "Have Navi adjust my budget" drafts the whole month from your bills, minimums, goals and the last three months of spending — on your phone. Every line comes with a reason and a slider: drag it, and the plan keeps adding up. Nothing is written until you tap Use this plan. If the app knows of no income, housing or debt, Navi asks first — including the minimum you pay on debt, so a card balance and a blank app still get a plan that pays it. The Budget tab, read by group. Protected, Everyday and Future have their own colour, and one bar shows how the month splits between them. A bill sits under its category only in the months it lands — a yearly subscription in February, not every month — and says what it costs that month and how often it comes. Tap the line to check or fix it. A calmer end of month. When the next payday is in the next month, the home card stops counting next month's rent against this month's leftover. It shows what's left for the rest of this month, then says what's due before the new income and whether the cash in your accounts covers it. Red is only for a real shortfall. Import, three doors. Import has its own page: a file from your bank (CSV, OFX or QFX — one picker tells them apart), pasted rows, or a receipt, screenshot or statement PDF read on your phone or by Navi. The review that follows counts what needs a look and imports only the rows you've checked; "Looks right" clears the rest. Longer statements read in one go. A heads-up before the month turns. In the last week of a month the Plan tab asks whether anything is coming up that isn't in your plan yet — tires, registration, Halloween, the furnace visit — starting with what ran over in the same month last year. Pick what applies, type an amount, and it becomes a one-off on that month alone, named under the category and gone the month after. Long-press to take it back out. Pay later, plainly. Quiet Reality's chart names each plan's cadence, so an every-two-weeks plan reads as the two payments a month it is.

Save up and Pay down. Goals open on two tabs. Save up is what you're building; Pay down is every card and loan you hold, read as a goal whether or not you made one: what's owed, the rate, the planned payment and the month it clears, interest counted. Each goal says where it stands in a word: on track, behind, or ahead and by how many months. Goals you can act on. Your goals sit on Home with a door to put money in on each row. Tap one for its whole story: the line it has taken, where the current rate lands it, and every transfer that went in. Give it a date and it says what it needs each month. A goal can move its monthly by itself on a day you pick, and when it gets there it says so. One account, several goals. A savings account can fund more than one goal, each with its own share. Mark a purchase as coming from a goal and it comes out of that goal, not your month. On the Plan tab, one line says whether your goals fit, and the Goals page can share out a short month in the order you care about. Subscriptions, in one place (Quiet Plus). From the menu: what's on auto-pay a month and a year, what cancelling the ones you've tagged would save, and a card for each with the company's logo. Tag each Keep, Review or Cancel. Open one for its charges month by month, its price history, and a way to manage or cancel it. Charges that repeat in your transactions but aren't on your list show up to add in a tap. Pay less interest, not just pay faster. When a card or line of credit charges much less than another of your debts, the Debt tab shows which balance to move and roughly what it saves in a year. Before you pay more toward debt, a cushion check says what that leaves before payday, and the Debt tab shows your payments as a share of your income. Where the month goes. On the Plan tab, Money out starts with a bar that shows how your plan splits, with the money that still needs a job drawn as the unfinished part. A calmer calendar. Bills in the app's blue, a paid bill as one checked event, and a day that shows what's due, from which account, and what it cost last time. More on iPad. In the full-size layout, the Spreadsheet page adds a year-at-a-glance plan you edit in place, a cash-flow sheet to payday, notes, filters, saved views, simple formulas and a What-If mode, with a History page that can undo recent edits and a Focus button for the sheet. Export workbook now saves the file properly. A lighter look, and changes that show at once. The brown and cream are gone: every tab is the app's blue. Edit or delete a bill, a limit, an account or a transfer and every screen shows it straight away. Transfers can now be edited, and a bill you switch off stays in Recurring items under Paused.

Break Down — the full price before you pay it. About to order? Type the checkout numbers in and the bar shows you what it actually comes to: the food, and the getting-it-to-you. Fees one line at a time, tax as a dollar figure or a percentage. Your money now reaches a year out. The forecast covers a calendar year on a run rate — what the months you haven't lived yet look like at the pace you're actually going — and you can follow one habit at a time. Three tiles under the chart say what you've spent so far, what an average month costs, and what an average day does. Net worth projects six months ahead on the dashboard. Dates stay on their day. A transaction entered on the 1st on one device reads as the 1st on every other device, and any day that had already slipped is put right on the next sync. Bill reminders, if you want them. One note the evening before a bill lands. Off unless you turn them on, and there is nothing else that will ever ping you. The full-size layout on iPad. Columns and a sidebar instead of a stretched phone. Bringing money in got easier. Imports read .xlsx workbooks now, you can edit rows in bulk on the review screen, and a row that looks like a bill can become one on the spot — with one tap, since the statement already knows the payee, the amount and the cadence. A bill you already have is caught before it becomes a second one, and a statement that crosses a month is grouped by month on the review. Paycheques catch themselves up the way bills already did. Plus a redrawn home screen, restyled home-screen widgets, and fixes to closing a month, removing a budget limit, and saving a transaction's detail field.

Fresh new look, including a redesigned app icon and refined visual experience. The same calm, private budgeting you know.

Quiet Plus is here. Quiet Budget stays free. The manual tracker, categories, bills, history and CSV export all work exactly as they did, no ads, no bank linking, no nagging. Quiet Plus is a new optional upgrade that adds: - Plan, zero-based budgeting, so every dollar has a job - Save up for big future bills - Savings goals - Recurring calendar - Trends & deeper insights - Sage & Rose themes If you installed Quiet Budget before Plus launched, you keep all of it free, permanently. That was the promise, and it's built into the app, you don't need to do anything. Also new: - Privacy Policy and Terms of Use readable inside the app - Restore Purchases in Settings - Fixes and polish throughout Thanks for being here early.

New: Overview — a calm, at-a-glance look at your whole month. Money left, your budgets, upcoming bills, where it went, savings goals, debt, and recurring costs, all in one quiet scroll. (Part of Quiet Plus.) The category picker is friendlier too: just start typing. Search by whatever you'd actually call it — type "fuel" and Gas/Transport shows up — and the detail field now sits right under the category. Plus small refinements throughout. Still no ads, no tracking, no bank linking, no account required.