Backups you control. Harbor keeps everything on this phone only, so until now nothing came with you to a new one. Export a backup file from Settings, keep it wherever you like, and restore it on any phone -- including straight from the welcome screen. If every debt is closed, the weekly reminder now stops on its own. And Harbor no longer contacts any server at all, not even to check for updates.

Harbor is now on your Home Screen and Lock Screen. The real total, and when you last looked — without opening the app. No score, no streak, no red number. The same two facts the app shows you, in the same tone. What you owe still stays on this device. For the Lock Screen: a line beside the clock, or a card underneath.

Harbor now calls itself Harbor everywhere. Parts of the app still used an earlier name — the welcome text, the delete confirmation, Settings, the app lock screen, and the Face ID request. If the name on your home screen never quite matched the name inside, that was why. It matches now, in all 15 languages. The app icon has changed as well.

A clear-by date. Enter an interest rate and a monthly payment and Harbor now estimates the month each debt finishes -- still no strategy and no advice, just the arithmetic. Weekly check-ins now record what you actually brought the total down by, so entering a forgotten balance later can't wipe out your progress. A new progress line in History: how much you have brought the total down since your first check-in. Harbor now speaks 15 languages instead of two. Settings can now open the App Store to rate Harbor, and quietly lists the other two apps I make. Both are optional, and the app list can be hidden for good.

Store listing update. No changes to the app itself.