DueBy 1.2 adds tools for the self-employed and small businesses, more for every budget, and new plans. NEW: DUEBY BUSINESS • Profit and Loss for a month, a quarter, a year, or your own dates, as Paid or as Billed, with PDF, CSV, and Excel files. • Invoices as PDFs with your logo. Keep customers with their contact details, record payments, and set an invoice to repeat. • A mileage log. iPhone can record drives as you drive, with your permission, and Apple Watch starts one by hand. Mark each drive business or personal, then export a report or a week's summary. • Rentals, royalties, and farms, each with its own income and expenses. In the US, also farmland you rent out for a share of the crop. • Used For: mark any bill or transaction business or personal, whichever account paid it. • In the US and Canada: tax lines for a business, a rental, and a farm (Schedules C, E, and F and Form 4835; T2125, T776, and T2042), a quarterly tax estimate (US), and tax instalments (Canada). NEW FOR EVERYONE • Bank statements without typing: choose the PDF your bank gives you, take a photo of a page, or scan it, and DueBy turns it into transactions sorted into categories. It is read on your device, with no bank login. CSV and Excel files work too. • Receipts: paid cash? Scan the receipt, and DueBy reads the store, the total, and the date into a new expense and keeps the receipt with it. You can add a receipt to any transaction, too. • Every screen follows the accounts you choose: one, several, or All Accounts. • Budget rollover, if you turn it on: what a category didn't spend, or overspent, carries into next month. • A payoff plan across your debts: which to pay first, and what paying extra saves. • Subcategories, and a Tax Summary to print or save for your tax software or preparer: PDF, CSV for a spreadsheet, Excel, and QuickBooks (bank CSV), plus TXF for US returns. US and Canadian returns get their form lines. • Choose the pay period that fits how you are paid. • Mark Paid is a check on every row. PLANS • DueBy now needs a subscription. If you used the free plan, DueBy tells you when it ends, and you can export your data first. • Two plans: DueBy Personal, and DueBy Business, which includes everything in Personal. A Business view from an earlier version now needs DueBy Business; its bills and transactions stay in All Accounts. • Our privacy policy now covers the mileage log's use of location and the customer details you keep.

Bank Sync is here, for banks in the US and Canada. • Connect a bank or card and DueBy brings in transactions once a day, sorts them into your categories, marks the bills and paychecks they cover, and finds recurring charges to add as bills or subscriptions. Read-only, through Plaid: your bank login stays with your bank, and our relay stores nothing. An optional add-on to DueBy Pro, and Check your bank shows whether yours can connect before you subscribe. • Nothing counts twice: a charge that pays a bill marks it paid, a payroll deposit marks your paycheck received, and an expense you logged becomes the bank's transaction. • Loans and debts: track a mortgage, car or student loan, card, or money you owe someone. DueBy works out the principal, interest, and escrow in each payment, shows your debt-free date, and ends the payments at payoff. • Each account on its own: switch between Personal, Business, each credit card, and each loan, or see them all together. • Reports: cash flow, month by month, spending by category, top payees, income by source, and what came due, for any week, month, or year. • Refunds take off their category's spending, and any bill can repeat every few weeks or months, with reminders any number of days ahead. • Transactions replaces Activity: every charge and deposit by day, week, month, or year, with spending by category and a comparison with the span before or a year earlier. Change a charge's category once and the merchant's other charges follow; on iPhone, tap the category under a transaction to change it. Card payments can be transfers, so they never count as spending. • Budget opens on what's left to spend and what that is a day, with a pace chart against last month, then bills paid and still due and what each category has left. New Dining and Shopping categories. • Paychecks can be marked not received, skipped, or restored from the Calendar or Transactions. • Subscriptions say how soon each renews and which costs the most, the Calendar shows the month's total beside what's still to pay, Due shows paid against due, and each bill shows its on-time record and usual range. • The + menus do more: connect a bank, add a bank statement, share with your household, set your balance, and manage categories. • Build a spreadsheet of your bills at dueby.app/spreadsheet-builder and open it in DueBy with no column matching; an entry_kind column marks transfers. • Your default currency and reminder defaults follow you to your other devices, and household sharing shows up on all of the owner's devices. • DueBy now speaks Korean, Traditional and Simplified Chinese, Finnish, Polish, and Arabic, seventeen languages in all, and the scanner reads more of the world's bills. • Fixes: the Calendar shows every weekday again; dates stay correct with the Buddhist, Japanese, or Islamic calendar; iCloud sync recovers on its own after a system update. • Our privacy policy now covers Bank Sync in full: how transactions are sorted and matched, and what Check your bank sends. It also names the one public download: for a US student loan on IBR or PAYE, DueBy fetches that year's poverty guidelines from the Federal Register, sending nothing about you. Read it at dueby.app/privacy.