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★★★★★
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• Sync turns on by itself: sign in, and the records from your iPhone, iPad, Mac and the web version come together in one budget. No buttons, no questions, nothing is erased. • Record from bank SMS and notifications: set up one automation in Shortcuts, and every purchase from your bank’s SMS records itself — with the merchant, category and account matched by the card’s last digits. On iOS 27, push notifications from your banking app work the same way. Settings → Record from Bank SMS. • Budget copies: the app saves a copy once a day and before every sync step. If anything goes missing, open Settings → Data & Backups → Budget Copies and bring the records back with one tap — nothing is deleted. Records that stayed only on this device are there too. • Turned sync off on a device and added something new? When you reconnect, those records join the shared budget, and anything deleted on your other devices meanwhile stays deleted. • Records that stayed on just one device (for example, if you chose “Keep only the synced records” in 1.8.0) aren’t lost: Today offers to add them to the shared budget with one tap. • Your next device connects without a password: the records key moves between your devices through iCloud Keychain. • If you signed in earlier, a sync card appears at the top of Today: enter your password once, and everything else happens by itself. • If your password changed after sync was turned on, the app now says so and offers to start over with this device’s records — instead of “wrong password”. • Transfers between your own accounts are right in the account menu on Today: “Transfer from This Account”. And typing “transfer 5000 from savings to card” in quick entry opens the transfer with both accounts and the amount filled in. • Confirmation email didn’t arrive? Account now shows why — the mail service rejected it, the mailbox doesn’t exist or is full — and what to do. • The app is more responsive: the moving quotes ticker no longer loads the processor, years of history open faster, and logging a transaction in a large synced budget is 2.5× faster. • Sync and family budget screens on Mac are laid out properly, and untranslated hints are now translated. • “New in 1.8” slides for everyone who updates.
How much can you spend today and still make it to payday? Finances answers with one number and shows how it adds up. SAFE TO SPEND TODAY Your account balances minus a protected reserve and every planned payment before your next income. Below it, a daily guide. If payments exceed your money, the app tells you by which date and how much you need to receive to pay everything on time. LOG IT IN TWO SECONDS "Coffee 4 from card #work" — the amount, account, category and tags sort themselves out, and "Taxi 12+8" adds up. By voice, by the QR code on a Russian receipt, with Siri, from Control Center or with one tap in a Home Screen widget. A PLAN THAT RUNS ITSELF Payments and income with any repeat: daily, on chosen weekdays, every few weeks, quarterly or yearly. Salary in two installments. A payment can record itself, and a limit can carry its remainder into next month. Start the budget month on payday if you like. A Plan calendar and a 3-, 6- or 12-month forecast. REMINDERS THAT DON'T NAG "Internet — $15, tomorrow" with a Paid button right in the notification, Received on payday, a day summary, limits running low, a subscription that got more expensive. All of them are opt-in. GOALS AND A WANT-TO-BUY LIST Goals with a savings plan: on the day, tap Saved it right in the notification. Next to them, a list of things you want, each showing from which day it won't get in the way of your payments. LOANS, INVESTMENTS AND NET WORTH Cards, cash, deposits, loans and money you lent or borrowed, all on one screen, with this month's change. A loan, mortgage or installment plan with its terms: marking a payment Paid in Plan reduces the debt, interest is shown separately, and a prepayment is worked out in advance — how much sooner the loan ends and how much you keep. Brokerage and deposit accounts show their return separately from top-ups, and savings accounts and deposits with a rate calculate interest on each day's balance and record it once a month. Accounts in any currency at central bank rates. Widgets, search and export. PRIVATE BY DESIGN No tracking, no ads, and an account is optional. Your data stays on your device. With sync through your account, records are encrypted on your device, so our server only sees ciphertext. A family budget lives in your iCloud. Face ID lock and hide all amounts with one tap. WITH A FINANCES ACCOUNT Everything above works without an account and with no time limit. A Finances account is the same one as in the web version on any computer. If it includes extended access, sign in and these tools open here: • an assistant for your own numbers: ask in plain words — "how much can I spend per day?", "where did my money go?", "when will my loan be paid off?". It answers from your data, does loan and deposit math, explains money basics and logs transactions for you. It runs right on the device; • detailed analytics for a month, three months or a year: spending pace, categories and subcategories, subscriptions, where you spend, loans and investments for the period, PDF and Excel reports; • bank statement import from PDF, Excel and CSV, plus CoinKeeper, Zenmoney and 1Money exports; duplicates and transfers are checked before anything is saved; • sync across iPhone, iPad, Mac and the web through your account, encrypted on your device, and a family budget. English, Russian, Spanish and German. iPhone and iPad with iOS 18 or later.