Pocketbird: Daily Budget

Plan when you can afford the next big thing, pay recurring bills early, split a receipt into what you bought, check an account against your bank, and two columns on iPad. WHEN CAN I BUY IT? Add what you want to buy, its price and whether it's cash or a loan, and Pocketbird works out the month you can afford it from your real money: salary, bills, everyday spending and the debts about to finish, with the raises and bonus you expect. It says why it's that month, which single change would bring it sooner, and how to still make the month you're aiming for. Each goal keeps a monthly record of how the plan moved, a new Next Goal widget and a Shortcuts action answer without opening the app, and a group can save up for something together, each member planning their own share without anyone seeing anyone else's money. PAY RECURRING BILLS EARLY A recurring bill could only be recorded once it was due. The new Pay Bills sheet lists what's due in the next 7, 30 or 90 days; tap one to pay it and every earlier one of the same bill, dated the day the money actually left. SPLIT A RECEIPT INTO WHAT YOU BOUGHT After scanning a receipt, split it into one transaction per item. Promotions stay with their item, a discount on the whole bill is shared out to the satang, and the items always add up to what you paid. CHECK AN ACCOUNT AGAINST YOUR BANK "Compare with statement" reads your bank's statement — a KBank PDF, password-locked ones included, or a CSV — lists what's missing on either side, and settles the rest in one adjustment. The password only opens the file and is never saved. A credit card takes the total and minimum off its statement, and the minimum goes straight to the due-date reminder. LOGGING REMEMBERS MORE Payee names become real payees, so "7-Eleven" and "7 ELEVEN" are one. The memory that filled in a shop's category now fills in the account, tags and payee too, and a bill you log by hand can be marked as its recurring bill's payment, so it isn't recorded twice. ON iPad, THE LIST STAYS PUT Accounts, Debts, Recurring, Settings and the transaction list keep the list on the left and open what you tap beside it, cards lay out two across, and screens stop showing you less than the iPhone does. Rows light up under a trackpad pointer, ⌘1 to ⌘9 switch tabs and ⌘N starts a new entry. RECURRING BILLS, DEBTS AND PEOPLE A debt paid by a recurring bill now names that bill and stops offering to be paid twice. Editing a recurring bill's details changes it in place instead of starting a second one, and a bill you've cancelled can be marked so, with what your cancellations save each month. Owed to You now shows what you owe people too, kept apart from what they owe you. ALSO App Lock now covers a sheet that was open when the app locked. A shop no longer gets stuck on "Loading today's shop". Automation rules sync to a new phone and can depend on the day of the week. A Quick Log set asks for an amount it's missing. Each account can carry a note to yourself.