Stay Steady - Budget & Sparen

Financial environments. Keep your household, your company and your club apart in one app — and everything that had piled up since 1.3.2. New • Environments. Every bank account belongs to exactly one environment, and no analysis ever mixes them: a company invoice can no longer distort your personal savings rate. Switch between them at the top of the Journal and Insights; create and manage them in Settings › Environments. A wizard sorts your existing accounts, and changes nothing until you confirm. Budgets, goals, category rules and backups all follow the environment. • A company's turnover gets its own category, Revenue — a paid invoice finally has a home. • Net worth has a memory: the app records where you stand over time instead of reconstructing it later. • What-if is a simulator. Change a monthly contribution and see what it does to your FIRE date — and what it would take to hit one. • Full backups. Export everything, restore it anywhere: accounts, goals, rules, net worth, budgets, FIRE settings and your subscription decisions. • You can overrule the subscription detector, and Insights shows where your income comes from. • Zoom into any period by brushing the Journal chart; remove a transaction from a goal from the goal itself. • Spanish. Five languages now, with real singular and plural forms everywhere. Improved • The forecast lists what is still expected to arrive — the salary on the 27th is what makes the month work — and treats a bill a few days past its date as late rather than missed. • Recurring detection follows a merchant, not a spelling. When a bank renames its debit, the series continues instead of looking abandoned; when one company pays you both a salary and expense reimbursements, those are two series, so the salary is forecast. • Category names appear in your language, and typed amounts are read the way Belgians write them (2.500,50). • The AI answers about what the screen shows — the same environment, month and account — and sees enough of the earlier months to compare them. • The offer to apply a category correction to similar transactions is back. Fixed • A health-score calculation that could freeze the app for fifteen seconds, and a crash while a list was redrawing. • Numbers you could not believe: a retirement target of €7.17 million, a savings rate you had not achieved, account balances drifting from the moment you vouched for them. • Model updates now arrive. They had been broken since March, on every version ever released, so your copy only ever used the model it was installed with. • The emergency-fund default no longer drifts between screens.