Birikko 1.1: your debts now live right next to your budget. NEW: DEBT TRACKING • Add a bank loan, card instalments, school fees or money you owe someone. • Enter what you borrowed and what you'll repay; we work out the interest and fees. • Preview your monthly or weekly payment plan before you add it. • Already halfway through? Just enter the instalments you've paid. • Mark an instalment as paid and the expense is recorded for you; undo it if you tapped by mistake. • Overdue alerts, a month-by-month instalment view and payoff dates. NEW PLANNING TAB Budgets, savings goals and debts, together in one tab. A SMARTER SUMMARY • The next 30 days: instalments, subscriptions and recurring income, with your planned net flow. • Month-end estimate and budget pace: are you ahead of or behind your budget? • Pay an overdue instalment straight from the Summary. SAVINGS GOALS • Add backdated contributions and withdrawals. • Follow this month's savings target on the Summary. • Give your goals an icon and a colour. • Restore a goal you deleted by mistake, with all its contributions. PRIVACY New settings let you turn crash reports, usage statistics and personalised insights on or off separately. Your amounts are never sent. Plus performance improvements and bug fixes.