• Savings goals redesigned: Add money and Movements on one line, a goal's movements listed (and cancellable), advice in the AI style • A goal in dollars or gold now takes money in its own unit; no more far-off dates like 2101 when your pace is slow • Credit cards give a Cash advance, and the balance may go further into the red • The budget card has a second page: your spending day by day, a swipe away • A tidier Assets page, a clearer Templates page, and the iPhone Duo layout follows the phone

• A new look: warm parchment and ink, a coral accent, serif type and a calmer dark theme • Add with AI: Speak and Type open their own sheet and show what was understood before you save • One notification time you choose, and a clearer way to turn notifications on • Pension plans and term deposits get their own forms; transfers stay in one currency • Compare two periods side by side, see a category breakdown in Records and a real six-month net worth chart

• Suggested regular payments: rent, bills, subscriptions and salary, with their day; templates are suggested by country • Goals: add money to a goal, see what it needs each month, move its date or archive it when overdue • Faster add: tinted category row, Repeat switch, tags made on the spot, day and note on the form • Investments: see your totals in your other currencies, like net worth • Restore previous data lists the automatic backups and the phone each came from

• Calendar: tap the date on Home to see your month with spending, income and planned payments • Ask bar on Home: type or say "340 groceries", or scan a receipt • Marking a bill paid now asks which account it was paid from • Could not pay a recurring bill? Save that month as a debt or receivable from its menu • Credit and loan accounts: no plus or minus; enter any two of amount owed, monthly instalment and instalments left and the third is calculated; the instalment shows in Upcoming payments

• Upcoming payments widget: your next three bills on the home screen • Home: one card with your spending limit left, income, spent and net; it turns red when you pass your limit • Day-by-day spending chart on Home and in Records • Last week's recap as a clear insight card • Shorter setup: the daily reminder is offered after your first record • More currencies, written with their own symbols (₱, ₹, zł…)

• Accounts can be archived: they leave lists and totals, and come back from More • Cancel a withdrawal, deposit or move from the account's , with Undo • New investment: enter the price you paid; gain and cost are now right • Stock details show value and gain in the currency it trades in, with your main currency beneath • Home: every template in a row that scrolls sideways; templates no longer ask fixed or variable (leave the amount empty for variable) • Recurring: filter by account • Shares list: short name first, full name small beneath • Widgets polished

• Long-press the app icon: add an expense, add by voice or scan a receipt • Duplicate any record or recurring item • Recurring: daily schedules, search and filters, the nearest five on Home • Credit cards: choose the paying account and the card's currencies • Status: debts shown apart from net worth, a clearer net-worth chart and split, charts on every plan • Accounts: movements by statement cycle, upcoming bills on each account • Records: filter by account