SPENDING LOG • Log real purchases against your budget categories in a couple of taps, with a note and date. • A new Spending card in Cash Flow shows this month's actual spending against your plan, with a pace marker that tells you whether you'll finish under or over. • Each category shows what's left, what's over, and where it's headed by month-end. • Browse any past month, filter by category, and see a six-month spending trend with your plan line. • Your Financial Health score now includes Spending Discipline once you start logging. WINDFALL PLANNER • Got a bonus, a tax refund or a gift? Enter the amount and watch it flow through a priority cascade: a reward slice, a starter cushion, high-interest debt, a full emergency fund, your goals, then investing. • Tune the cascade with your own reward share, debt APR threshold and emergency-fund target. • See the impact before you commit: interest avoided each year, debts cleared, months sooner to debt-free, and emergency-fund coverage before and after. • Apply the plan with one tap to update your debts, emergency fund, goals and investments, and keep a log of every windfall you've put to work. BACKUP & EXPORT • Export a full backup of your data as a file and restore it any time, even on a new iPhone. • Export your spending log as a CSV spreadsheet.