This release puts the day in your hands. • Every row answers to a swipe. Slide a transaction sideways for its actions — the three buttons are gone. Keep pulling until the action fills the row, let go, and it runs. • Deleting leaves a strip with Restore and a countdown, so nothing vanishes in one tap. • Mark up to today catches a pile of days up in one tap. Untick what you are not sure about, and the Undo bar hands everything back if you change your mind. • Money buttons act once, even on a nervous double-tap. A moved payment moves everything. • Drag one occurrence of a repeating payment to another day, and the day, the balance, the card statement and the home-screen widget tell the same story about where the money went. The records tell what they were. • Movements in Savings and payments in Debts fold into months and days; every line says what it was — Reserved or Withdrawn — and the app reopens the month and day you left open. And quieter things • What if? glows: a soft light along the screen edge while you experiment, on every sheet too. • An edit made a breath before closing the app is saved. • Currencies with three decimals keep their thousandths. • The menu quietly names its version in the corner, so you can always say which build you are on.

The forecast now sounds like your life. • Predicted spending has names. When a shop repeats often enough to be recognised, the app says which one it expects instead of "spending". • A busy week is no longer mistaken for a habit. A few days of activity are weighed against how long the app has been watching, so three purchases in one week stop drawing a year of them. • Predicted items land on particular days instead of being spread evenly. • Subscriptions are modelled by what they cost rather than by how often they appear. • A yearly charge — a gift, a renewal — waits on its own day once it has happened twice, instead of being smeared across twelve months. • Every predicted row belongs to a real category. Nothing is filed under "several categories" any more. The forecast says how much it knows. • A plant grows beside the estimate: the more months of history it covers, the taller it stands. It never wilts, and it grows with months covered — never with rows entered. • A young forecast says what it is instead of reporting an accuracy it cannot measure yet. • An estimate built on two months is coarse. That is a limit of the data, not a defect in the app — and it sharpens as your months add up. Analytics opens up. • Tap a bar to see what it counted — expenses, income and transfers, each with its own total. • See what you planned against what actually happened, stated and not judged. • Compare any two months you choose. • A balance curve over the past: drag along it to read any single day. Fixed • The app remembers how you left it: the spending mode, the card order and the chosen period survive a restart. • Recurring totals no longer include series that already ended. • A figure in Analytics counted money that had not happened yet. It counts the period you are looking at. • Release money from a goal twice on different days and both come back — before, only the last release was offered. • Offers to return released money now wait until the income is actually marked done, instead of counting on money that has not arrived. • A debt payment you drag to another day stays where you put it when you save the debt. • Carrying a card remainder to the next cycle now shows it in one place instead of two.

Your calendar now survives the night. • Wake up to the new day: the app and the widgets roll over at midnight on their own — no more yesterday waiting on your Home Screen. • When a widget can no longer vouch for its numbers, it says "out of date" instead of guessing. Your Home Screen never bluffs. Cards got clearer: • Open any card's statement straight from the Cards menu — no more scrolling to the closing day and tapping the wrong month. • Tap ⓘ on a statement to see how much is already done and how much is still planned. A future settlement now says it assumes the earlier one gets paid. • Marked a future payment as done? The row now says the money counts from today — that was always the rule, now it's written where you can see it. Savings finally speak up: • Set aside more than you have? The month screen says so and offers to release some — goal by goal, and it remembers to offer putting it back when money arrives. • Goal progress bars now actually move as you save. (They never did. Sorry.) • The spending forecast now understands credit cards: what you charge counts as spending, and card repayments are no longer double-counted. Fixed • The forecast panel now matches the calendar for card users. • "Show all" on a statement with many transfers no longer breaks the app. • Turning a series into a one-off now tells you which date survives — and switching back restores the rest.

Your calendar, on your Home Screen. Four widgets, each with its own settings: • Day — today's items and where the balance lands, at a glance. • Balance — how much is really yours: reserved money, the lowest point ahead, anything overdue or still unconfirmed. • Day & Weeks — today beside last week, this week and next. • Month — the whole month as the app draws it, with day badges and projected balances. Tap a day and the app opens right there. One rule we kept on purpose: while you test a purchase in "What if?", the widgets do not move. Your Home Screen only ever shows what's real. Also in this release: • Charge a repeating expense to a card once — choose "this and following" and every later month follows on its own. • Analytics now answers two questions: "what left my account?" and "what did I spend on?" — card purchases finally show up by category in the second. • Cards can be hidden instead of deleted, and reordered or sorted your way. • Scrolling the calendar is smoother, and the app now runs at 120 Hz on ProMotion displays. Fixed • Amounts like 26.49 can be typed into debt fields again — the decimal point no longer vanishes as you type. • An optional end date can now be cleared with one tap, and the dates after it come back. • Months charged to a card no longer lose their card after a restart. • Double-tapping a button no longer zooms the app out of reach. As always: your data stays on your device unless you turn on sync, and sync is end-to-end encrypted — we can't read it.

Credit cards, done the way the rest of the app works. Mark a purchase as paid by card and it stops hitting your balance the day you bought it. See what the card will owe, decide what to pay and when, and the calendar shows the money leaving on the day it really leaves. • A card statement on every closing date: what came from last period, what was charged, what you've transferred, and what carries to the next one. • Pay any amount, on any date you choose. Whatever is left rides to the next period on its own. • Or move the remainder forward yourself, and put it back if you change your mind. • Overpaid? You'll see the credit, and it comes off the next statement. Also in this release: • Savings: one mechanism instead of two. The old savings percentage is gone — goals alone decide what is set aside, so the tile and the monthly reminder can no longer disagree about it. • Clearer marking: hidden, charged to a card, and completed are now three distinct states instead of one overloaded one. As always: your data stays on your device unless you turn on sync, and sync is end-to-end encrypted — we can't read it.

Improved - Money you were expecting is now watched the same way bills are. Each day shows how many payments in and out are still unconfirmed, and the balance card counts them — so an amount that never arrived no longer sits quietly inside your balance. - Typing a transaction name now suggests names you have used before. Picking one also restores the type and category it had last time. - The type of a transaction — expense, income or transfer — can be changed after you create it. Deleting and re-entering used to be the only way, and it lost the changes you had made to individual dates. - Over three months or a year, category totals are now split by month instead of piled into one list. - Reconciling your balance now does the subtraction for you: "We expected 1,240. That's 340 less than we had." - Account & sync is organised into sections, and progress and errors now appear next to the button you tapped instead of further down the screen. - Without a subscription the app no longer checks the server for sync updates it cannot receive, which saves battery and data. Fixed - A repeating payment moved to another date now counts in the month it moved to — in the transaction list, in category totals and in the outlook. It used to stay in the month it came from. - Tapping Today and then + now dates the new transaction today. - On iPad, a day's total no longer collides with the day's badge, and each day shows as many entries as its cell has room for instead of hiding them behind "+N more". - On iPhone the app now stays in portrait. Landscape reached a layout that was never designed for it; on iPad both orientations still work as before. - Signing in with Apple or Google no longer reports a wrong password when there is no password to get wrong. - If a verification code cannot be sent, the app says so instead of reporting success.

* Added a safer sync process. If data exists both on your device and on the server, JayCK Flow now asks which version you want to keep before syncing. This helps prevent unintended automatic merges and gives you full control over your data. * Improved the synchronization experience and reliability.