Added per-debt breakdowns for monthly interest, monthly principal, monthly payments, and remaining interest. Tap the dashboard cards to see each debt’s contribution. Improved monthly payment totals to include extra payments due next month, with repayment fees and savings for future payoff shown separately in the breakdown. Clarified forecasts when payments do not cover interest: negative principal now shows when a debt balance increases, and unavailable forecasts are clearly marked.

Added Plan Coach Beta for Plus users to test payoff strategies, monthly extra payments, rollover, and full payoff savings as a draft. Compare how a draft scenario changes the estimated debt-free timeline and interest before saving it to the payoff plan. Added guided chat responses and quick actions to make common payoff scenarios easier to explore.

Added App Shortcuts for opening Dashboard, Add Debt, Payoff Plan, Progress, Settings, and the Payment Calendar. Added Siri and Shortcuts answers for estimated debt-free date, remaining debt, payoff progress, and next target debt. Improved shortcut navigation so Debt Crush opens directly to the requested destination. Fixed the beginning-of-month balance update prompt so completed updates stay dismissed until the next update cycle.

Refreshed onboarding with clearer setup guidance, a renewed final step, and an option to restart onboarding from Settings. Added payoff report export so users can save or share a snapshot of their payoff plan. Added early repayment fee planning and full payoff savings tracking, including payoff allowances and fee-aware forecasts for debts with early payoff rules. Added a Payment Calendar with month-by-month history, forecasted payments, savings targets, payoff events, and remaining balances. Improved payoff plan responsiveness and app-lock behavior with async recalculation, clearer loading feedback, and preserved sheets when the app locks.

Added scheduled extra payments so Premium users can plan one-time future payments into their payoff forecast. Added a debt-free countdown widget for checking payoff progress from the Home Screen. Redesigned the dashboard and payoff plan with clearer progress cards, strategy controls, and plan details. Added activity achievements and improved progress milestones to make payoff momentum easier to follow. Polished localization, theming, backups, and payment entry details across the app.

- Added Premium Custom Order so users can manually prioritize debts from the payoff plan. - Added drag-and-drop reordering for active debts in the payoff plan. - Added Custom Order preset starters for Snowball, Avalanche, and highest interest. - Improved payoff plan controls so strategy, extra payment, rollover settings, and custom order stay synced with the dashboard. - Improved the all-paid-off state with clearer completion progress and next actions. - Added Face ID app lock so users can protect their Debt Crush data when opening or returning to the app. - Added paged payoff plan graphs, including a new payment rate view that breaks monthly payments into interest, repayment, and extra pay. - Made payment logging and payment history easier to access directly from debt details. - Improved Premium purchase handling so subscription access refreshes correctly after in-app purchases. - Polished debt management with clearer swipe guidance, smoother enabled/disabled debt transitions, and a scroll-minimizing tab bar.

- Added Premium iCloud Drive backups with automatic daily snapshots and a manual backup option in Settings. - Added iCloud Drive restore suggestions during onboarding so Premium users can recover data on a fresh install. - Added backup safety checks, including overwrite confirmation and retention of the latest three iCloud Drive snapshots. - Added a full Premium payment history screen for reviewing and deleting logged payment entries. - Improved JSON backups to include debts, payment history, progress snapshots, and app preferences.