**Payday Autopilot — your whole paycheck, confirmed in one tap.** On payday, Debt Planner surfaces everything this paycheck covers — your required bills and minimums *plus* your extra payments — and lets you confirm it all in a single tap. Paid a bill differently, or one didn't go through? Tap Adjust to reconcile just that item; the rest stays one-tap. Your progress stays accurate with zero bookkeeping. **Autopay, handled.** Mark a bill or debt minimum as autopay and Debt Planner stops nagging you to check it off — it shows an "Autopay" status, assumes it ran once due, and never lets a paid-by-autopay bill pile up as falsely overdue next paycheck. If an autopay didn't go through, report it at payday and it becomes a clear Overdue item you can pay off right from your plan. **See what your extra payments are worth.** A new Interest-Saved card on the Payoff tab shows exactly how much interest your plan saves you — and how much sooner you'll be debt-free — versus minimums only. Free, updated every time you run your plan. Plus: the Plan hero now leads with exactly what to pay this paycheck; more accurate payoff dates for weekly and biweekly plans; a touch-first payday check-in; demo mode follows your Light/Dark setting; and fixes so paid-off debts clear cleanly.

**Track Your Journey — Milestones, Streaks & Pay Cycle History** Debt payoff is a marathon — now you can feel the progress every paycheck. Cross 25/50/75% or clear a debt and the app celebrates the moment. Keep an on-plan streak going cycle after cycle, and see exactly how much you paid down since last time. New in Premium: a month-by-month Amortization schedule for your focus debt, and Pay Cycle History to look back at your recent finished cycles. Plus a big round of layout, performance, and reliability polish across the app.

**Guided Setup, Timeline Fix, and a Smarter-Looking App** New users now get a guided setup that builds their first plan in under two minutes — no blank screen, no confusion. The timeline now projects up to three pay cycles forward and shows your cash buffer as a visible line item. A new theme selector lets you choose Auto, Light, or Dark in Settings. Accidentally deleted a debt or bill? A 5-second undo toast brings it back. Plus: your projected debt-free date now appears directly in the plan summary.

iPad is here. Paycheck Debt Planner is now a native universal app — built for the full screen, not just scaled up. • Sidebar navigation on iPad in portrait and landscape • Bills tab shows Expenses and Debts side-by-side • Goals and Payoff use two-column layouts in landscape • Settings and modals open as centered panels On iPhone and iPad: the app now matches your system Dark Mode setting automatically on first launch. Visual polish throughout — card depth, staggered list animations, and a more refined feel app-wide.

**App Lock, Smart Reminders, Demo Mode, and a Visual Refresh** This release adds App Lock — secure the app with Face ID, Touch ID, or your device passcode, free for everyone, off by default. Also new: free local reminders for payday and upcoming bills. New "Try with Sample Data" lets you explore the full app before entering your own numbers. Also new: a refreshed icon system, haptic feedback throughout, and easier subscription management.

**Premium Forecasting, Swipe Gestures, and a Complete UI Overhaul** This release adds Smart Forecasting — a premium feature set that includes adaptive pay-cycle insights, snowball vs. avalanche strategy comparison, what-if payment simulations, and a 3-month financial outlook. Also new: swipe-to-pay gestures throughout the plan, a full timeline view of your paycheck flow, autopay tracking, editable recommendations, haptic feedback, and significant performance and mobile polish improvements.