Chip In - Couples Finances

• Smart Signals: a daily feed on Home, Accounts and Recurring that ranks what needs attention most urgent first, with AI analysis. Tap a signal to see what it means and the next move, or hide it for a week. • Recurring, rebuilt: a new Forecast tab shows what's due before payday, a 14-day calendar with merchant logos, and a full cash-flow forecast for 2 weeks, 30 or 90 days with paydays and your low point. • Bills & Subscriptions suite: price changes with history per item, active bills grouped by category, a frequency breakdown, and an Inactive view for paused, cancelled and possibly stopped items. • Needs Review: swipe right to confirm or left to skip, with Undo and Restore. The AI flags a category that doesn't match its charges and fixes it in one tap. • Bills & Subscriptions Checkup: savings, tasks, trends and a tree map of where the money goes, all in one place. Tasks can be marked done, dismissed or snoozed. • Accounts dashboard, rebuilt: a net worth hero with history, an "Accounts need attention" banner with one-tap reconnect, and a searchable directory with nicknames, freshness and monthly change per account. • Dividends: a new Investments tab with trailing-12-month, year-to-date and lifetime income, upcoming payments and reinvestment rate. • Performance Insights: monthly returns, drawdown from the running high, and which holdings drive or drag on gains. • Credit-cycle insights: due status in your own time zone, grace periods, purchase-interest warnings, promo APR handling, and a "pay only the minimum" outlook next to a 3-year payoff plan. • Keep my changes when Plaid syncs: your edits to transactions and recurring items survive every sync, with Reset to Plaid when you want it. • Transaction popup redesign: a merchant-colored header, highlight tiles that jump to their tab, and Transaction, Recurring and History tabs. • Recurring in the popup: insights, details and every charge, with Active, Paused, Cancelled and Archive status and a rename that applies to all charges. • Manual transactions: delete your own from the popup, and they always show as yours. • Partner transactions: open and edit them as their owner. Only the owner can split or share, and split amounts always read from your side. • Split once: the app always knows whether a transaction is already split, settled or on Auto Split, and the History tab takes you to the right place. • Settle Up: batch select with Pay all, and either partner can reverse a split. Split history now has an all-time chart. • Transactions list: recurring status pills on rows, search across merchant names, remembered sort order and faster paging. • One menu control app-wide: a sliding pill with accent glyph across Accounts, Liabilities, Investments, Reports, Recurring and Notifications. • Design refresh: new splash screen, dark iOS tab bar matched to the theme, redesigned Home quick actions, and loading skeletons that mirror the real layout. • Faster sign-in: goes straight to Home, with no delay and no background work in the way. • Faster Home: every section loads in parallel and each card appears as its data arrives. • Faster Needs Review: lighter, cached loads that fill the screen on every iPhone. • Stability and reliability: popup crash hardening, swipe-dismiss fixes, and first-render fixes on iOS.