Reminders That Arrive on Time Until now, every reminder waited for you to open the app. Now they are handed to your phone ahead of time and arrive at 9 AM whether Bucket Money is open or not. You get a heads-up two days before and again on the day for subscriptions, credit card statements, recurring payments and loan repayments, a week's warning for savings goal deadlines, and a nudge when an invoice has gone unsent or unpaid. If someone hasn't paid back a loan by the date you set, you get a reminder the day after. Reminders cover every ledger, not just the one that is open. Automatic charges get a heads-up too, worded so you can tell "this is being charged for you" apart from "you need to pay this". Recurring income and transfers that record themselves are included. Private by Default Notifications no longer show balances or prices, so nothing private appears on your lock screen, watch, or car display. If you would rather see them, turn on Show amounts in notifications under Settings > Notifications. Hide Balances Mask your net worth on the home screen, or any single account's balance, until you tap to reveal it. Handy when someone is looking over your shoulder. Recurring Transfers Schedule a regular move between two of your accounts, like a monthly top-up to savings, and it records itself on time. Wish List Export Share your wish list as a styled PDF or as plain text, either as one list with a grand total or grouped by savings goal with subtotals. Give it your own title, like "Birthday Ideas", or keep the default "Wish List". A PDF can also have a different file name from its title. Time Tracker Add a break and it comes off the time between clocking in and out. Set an overtime threshold and rate, and hours past it are paid at that rate. Work Orders Set your own invoice number on any work order. Transactions Deleting a transaction now offers Undo. And when you correct an amount, you can choose whether the change should also apply to the account balance, so fixing a typo no longer moves money that never moved. Fixed • Notifications never appeared on iPhone. They now arrive as they always should have. • Deleting a transaction left its amount in your account and bucket balances. Deleting now reverses it, including both sides of a transfer. • City, province, and postal code were squeezed onto one line in the business profile and work order forms, too narrow to read on a phone. Each now has its own line. • The Premium screen keeps its buy button in view while you scroll, and shows that Premium is unlocked if you already own it.

The first update since 1.0.3, and it fills the biggest gap left at launch. Backup and Restore Your data can finally survive the phone. On iPhone, turn on automatic backups under Settings and a copy is kept in your own iCloud Drive. On Android the system backup carries your data to your Google account with nothing to switch on. Reinstall the app or move to a new phone and everything is still there. Reinstalling on iPhone now offers to bring it all back in a single tap, before you go through setup again. There is also a Back up now button in Settings, for when you are about to reinstall or move to a new phone and do not want to wait for the schedule. The copy lives in your own Apple or Google account. It is never sent to us and we cannot read it. The Terms and Privacy Policy have been updated to describe this accurately, so you will be asked to accept them once. How It Works A short walkthrough of the whole idea: income lands in an account, you split it into buckets, and every purchase pulls from a bucket. If that flow was ever unclear, this lays it out in a few screens. It appears once after updating and stays in Settings for whenever you want it. Choosing an Account Anywhere the app asks which account to use, you now get the same picker showing every account with its icon and current balance, instead of a plain list of names. Much easier to pick the right one when you keep several. Time Tracker Record clock in and clock out times on an entry, not just the total hours. Wish List Add a note to any item. Receipts Replace the photo on a receipt you have already saved. A blurred or wrong shot used to mean deleting the receipt and entering everything again. Fixed • Credit card reminders were wrong for any card due on the 29th, 30th, or 31st. In a shorter month the date overflowed, so a card due the 31st showed March 3rd in February and reminded you on the wrong day. • Alerts raised before you allowed notifications were treated as delivered and never shown. They are now held and retried once you allow them. • Invoices printed only the city, leaving province and postal code off both your business address and your client's, even though both have been collected since an earlier update. • Saving an invoice PDF on desktop now works, and a failure explains itself instead of appearing to do nothing. • Wish list items were left out of backups and exports, so restoring brought back everything except the list of things you were saving for. • Receipt and wish list photos disappeared after restoring an iPhone from an Apple backup. They were stored by full path, and iOS rebuilds that path when it recreates the app, so the photos looked missing while sitting untouched on disk. They are now found by name, which also recovers ones already lost.

The first update since launch, with a lot of exciting new features. App Lock Require Face ID, fingerprint, or your device passcode to open Bucket Money. Turn it on under Settings, Security. The option stays off until your device has a passcode or biometrics set up. Wish List Keep track of what you're saving up for. Add an item with a price, an optional recipient, and a photo, then link it to a savings goal and watch it get funded. Set a priority order so you always know what's next. Buckets That Feed a Savings Goal Link any bucket to a savings goal and the goal keeps itself up to date. Every deposit into the bucket counts toward the goal and anything you spend from it counts back off, so the goal's progress always matches what is actually in the bucket. Set it when you create or edit a bucket. Linking only affects money moved from that point on, so it can't inflate a goal you funded another way. Savings Goal History Tap any savings goal to open it and see everything that has gone in or out. Each entry shows the amount, the date, and which account the money moved into - and for automatic contributions, the bucket it came from. Transfers Between Accounts Open any account and tap Transfer to move money to another one. Both balances stay on screen, along with what each account would be left with as you type, so you can decide how much to move without going to look it up. Quick 25%, 50% and All buttons fill in a share of what the account holds. Tier Breaks (Premium) A new way to split a deposit. Drop a Tier Break between your buckets and everything above it takes from the full deposit, while everything below treats what's left as its new 100%. Set tax aside off the top, then divide the rest. Borrowing The Lending section now works in both directions. Log money you owe with a lender name, amount, and an optional due date. Borrowing gets its own "Total borrowed / I still owe" summary, kept separate from money you've lent. Repayments can be linked to an account, so the balance is deducted and an expense recorded for you. Notifications Reminders and alerts now show up as real notifications on your device instead of only inside the app. You'll be asked for permission the first time. Tips Not sure what a screen is for? Tap the lightbulb in the bottom corner of any major section for a short explanation of what it does and a handful of tips for getting around it. You can switch tips off in Settings once you know your way. Accounts • Give any account its own icon - pick from a set of finance icons when adding or editing • Drag accounts into whatever order you want on the Home screen • Savings accounts now have an interest rate (APY) field • The edit button is a visible pencil icon instead of a hidden long press Buckets and Goals • Bucket caps have a new All-time option - a lifetime cap that never resets at the start of a period • Savings goals now support withdrawals, not just contributions • Recurring income can skip bucket allocation entirely and go straight to the account • Tap × to clear a savings goal's target date Work and Business • Typing a client name on a new work order suggests clients you've used before • Province and Postal Code fields added to work orders and your business profile Fixed • Income totals no longer double-count bucket splits. When a bucket deposits into its linked account, that movement was also being added to your income - inflating the total on Home, Transactions, the calendar and the tax export. Existing records are corrected automatically when you update. Everything Else • Subscriptions: choose the charge account when you first create one • Expense is the default type when adding a transaction • Payment due dates now support the 29th, 30th, and 31st • Gift icon added to the budget category picker • Settings now states plainly that your data is stored on your device and is never sent to a server • Undo notifications dismiss after 7 seconds instead of 10