Simple Finance: Budget Planner

Three of the app's deepest screens were Mac-only. They're on your iPhone and iPad now. • Financial Health — one 0–100 score built from your emergency fund, savings rate, debt load and net worth, each with a plain-English next step and a link to the screen that improves it. • Cash Flow Forecast — projects your spendable balance 30–90 days out from your recurring bills and income, and shows the lowest point it will hit. • Asset Allocation — set a target mix, see the drift, and get the exact buy/sell amounts to rebalance. Everything scales with your text size. Every figure, label and caption on these screens — and across the app — now follows Settings → Display & Text Size, instead of staying fixed at the default. Credit cards are more than a balance now. Open one from Net Worth and you get its credit line and how much of it you're using, the APR and what carrying a balance costs you each month, the day your statement closes and the day payment is due, and this month's charges and payments on that card. Your statement balance is tracked separately from your current balance, because only one of them avoids interest. Payment reminders come with your bill reminders. Also in this release: • Credit cards are real accounts you can point money at, and a charge now increases what you owe instead of decreasing it. • The cash flow calendar shows what lands on a day when you tap it, and marks when card payments are due. • Bills and recurring items read correctly when a repeat lands twice in one window. • Messages you send from inside the app can be replied to, and the reply comes back in the app. • A large amount of layout work so nothing truncates: figures scale instead of being cut, and labels wrap instead of losing their words.