What's New

Credit cards, handled properly — plus a rebuilt Subscriptions view and account filtering throughout.

• 💳 Two questions, answered separately — Once you link a card, "how much did I spend" splits in two. Your dashboard shows cash out: money that actually left your accounts, where a card purchase counts when you pay the card. Reports shows where it went: what you bought, across every account, on the day you bought it. Both screens now say which one you're looking at.
• 📉 New Card Debt card — See what you owe and whether it grew or shrank this month, with charged against paid for the last four months. Red months added to the debt, green months paid it down.
• 🔎 Per-card breakdown — Tap the Card Debt card for balances by card, what you're spending on them, and whether each one has been paid this period.
• ⚖️ Payments counted once — A card payment moves money rather than spending it, and the purchases it settles were already counted on the card. It no longer shows up twice in your totals.

• 💸 Cash apps are spending again — Money sent to Cash App, Venmo, PayPal or Apple Cash used to be filed as a transfer and counted toward nothing at all. It's now ordinary spending, so it appears in your totals and in your categories instead of quietly disappearing.
• 🎯 Budgets measure what you pay — Budget limits and alerts now track cash out, so a purchase on a card can't trip a limit before you've actually paid for it.

• 🔁 Rebuilt from your own categories — Your subscriptions list is now driven by the budget categories you choose, and shows what you actually paid this month rather than a rolling average.
• ↩️ Undo a dismissal — Removed a recurring charge by mistake? You can bring it back.

• 🙈 Hide accounts from the filter bar — Accounts you rarely filter by can be hidden from the chips. They still sync and still count toward every total — it only tidies the filter bar.
• 🏦 Clearer bank connections — Each connection now names the accounts it covers, so two connections to the same bank are easy to tell apart.
• 🏷️ Your labels, everywhere — Rename a card in Accounts and that name now follows it through the credit card screens, not just the filter chips.

• 📊 Filter trends by account — Trends and reports can be narrowed to a single account, and a single account is measured by its own cash flow.
• 🔍 Deep Dive reads the right direction — Refunds no longer chart as spending, and deposit categories like Credit to Account show their real totals instead of zero.

• ℹ️ Your dashboard total may look different — If you use credit cards or cash apps, the number will move after updating. Nothing was lost: the same money is now counted in one place instead of two, or instead of none.

Ask Chip now understands date ranges, plus clarity and reliability improvements.

• 📅 Ask about any date range — Ask Chip now answers questions like "How much did I spend on groceries between June 1 and June 15?" — name any two dates, within a month or across months.

• 🔒 Clearer goal categories — When picking a category for a savings goal, categories already linked to another goal now appear disabled instead of hidden, so it's clear why they're unavailable (one goal per category).

• ✏️ Clearer budget wording — Budget alerts now distinguish between reaching and exceeding a budget.

• 🛠️ Reconnect fix — Fixed a crash that could occur when reconnecting a bank in update mode.

This update makes wunderBudget more reliable and your budget alerts more useful.

• 🔑 Smoother sign-in — If your session expires after a while away, you're now prompted to sign back in cleanly instead of hitting errors.
• ⏳ Stay signed in longer — Between visits, your session now lasts longer before you need to sign in again.

• 🔢 See the numbers behind alerts — Budget alerts now show the numbers behind them (for example, "$812 of $700"), so you always know exactly why you were notified.
• 👆 Reliable tap-through — Tapping a budget alert now reliably opens the right category and month.

• 👆 Budget messages open category detail — Tapping a budget alert now takes you straight to that category's transactions for the month, instead of just the Dashboard.

• ✅ Accurate over/under-budget answers — "Am I over budget on anything?" now only counts categories that actually have a budget for that month — no more phantom budgets borrowed from other months.
• 💵 Cleaner figures — Over- and under-budget amounts are rounded to the nearest dollar for easier reading.

• 🎨 Readability fix — Category drill-down transaction text now uses the standard text color in both light and dark mode.

• 📬 In-app message board — A new bell icon on the Dashboard collects your activity in one place: new transaction imports and budget alerts (80% and exceeded). Unread messages are bold; swipe to delete or clear all at once.
• 👆 Tappable messages — Tap any message to jump to the relevant screen.
• 🗓️ Retention setting — Choose how long messages are kept: 7, 14, or 30 days, or forever.

• 💬 Persistent chat — Your conversation with Chip is no longer cleared when you switch tabs.
• 🧠 Smarter follow-ups — Chip keeps more conversational context, understands month filters, and routes questions more reliably.

• 📈 Unified Trends chart — Income and expenses now appear together in a single Trends chart for easier comparison.

• ✨ Chip is here — Ask Chip anything about your finances from the Insights tab, or tap the chat bubble anywhere for in-app help with features and settings.

• 💬 Chat history — swipe to delete — Swipe left on any conversation in chat history to delete it, or use the new Clear All button to remove everything at once.
• 🔑 Sign-in prompt — Ask Chip now shows a clear sign-in prompt instead of a generic error when you're not logged in, in both the Insights and Support tabs.

• 🛡️ Clearer MFA error messages — Entering an incorrect two-factor code now shows a specific, actionable message. If your login session expires during MFA, the app returns you to the sign-in screen automatically with a clear explanation.

• ✨ Introducing Chip — Chip is wunderBudget's built-in AI assistant, powered by Claude. Chip knows your finances and knows the app — ask spending questions in the Insights tab, or tap the chat bubble anywhere to get help with features and settings.
• 💬 In-app support — Ask Chip how anything in wunderBudget works. Get step-by-step help with features, settings, and account management without leaving the app.

• 🔍 Highest & lowest expense queries — Ask Chip "What was my biggest expense today?" or "What was my smallest expense last month?" and get a direct answer with the transaction.
• 📂 Spending by category — "Show me spending by category" now returns a proper category breakdown instead of a monthly total.
• 📅 "Today" period support — Questions about today's transactions are now understood and answered correctly.

• 📋 Privacy Policy & Terms of Use — Links to both documents are now shown directly on the subscription screen.

• 🏦 Bank sync via Plaid — Connect your checking, savings, and credit card accounts. Transactions sync automatically.
• 🤖 AI categorization — Transactions are automatically categorized using Claude AI. Review and correct low-confidence assignments in a swipe-based queue.
• 📊 Monthly budgets — Set spending limits per category. Visual donut chart shows your budget at a glance.
• 💬 Ask Chip — Ask natural language questions about your spending. "How much did I spend on dining in May?" "Which month was my highest grocery spend?"
• 🎯 Savings goals — Create goals and track progress alongside your regular budget categories.
• 📈 Reports — Month-over-month spending trends, category breakdowns, and recurring transaction detection.

• 📅 Budget auto-copy — In the last 5 days of the month, wunderBudget automatically copies your current budget to next month so you're always set up.
• 🔄 Merchant rules — When you recategorize a transaction, the rule applies to all past and future transactions from that merchant.
• 🔔 New transaction alerts — Optional push notifications when new transactions arrive.
• 🌗 Light, dark, and system appearance — Follows your iOS preference or set it independently in Settings.

• 🔒 Face ID / Touch ID lock — Optionally require biometric authentication after a configurable inactivity timeout.
• 🛡️ MFA on sign-in — Two-factor authentication via authenticator app (TOTP) protects your account.
• 🔐 Privacy-first AI — Only category totals and budget limits are sent to Claude AI — never raw merchant names or account numbers.

• ✨ 7-day free trial — Full access to every feature for 7 days, no charge until the trial ends.
• 💳 Monthly and annual plans — Choose the plan that works for you. Annual saves over 25% compared to monthly.