Bug Fixes - Money freed up when you pay off a debt now goes to your focus debt that same month instead of the month after, so every month of your plan matches the monthly payment you set. Your payoff date may move earlier and your total interest down.

What's New - Settings > Data now has an iCloud Sync screen that shows whether your debts are actually reaching iCloud, including your account status and the result of the last download and upload. - New setup screens explain how your payoff plan works, why DebtFix is free, and how your data is stored. Improvements - When you add your first debt during setup, the form stays open so you can enter the second one your plan needs. - DebtFix now explains Apple's tracking prompt on its own screen before the prompt appears, instead of raising it the moment you open the app. - On iPad, the add and edit debt forms open full screen, so the field you are typing in stays just above the keyboard. Bug Fixes - Your extra payment now stays with your focus month. Confirming that payment used to hand the extra to the next debt, so the app asked you to pay it twice.

Improvements - The widget's progress ring now uses your selected theme color instead of always showing blue. Bug Fixes - The widget now updates as soon as your plan changes, including when you switch payoff method, skip a debt, mark one as already paid, or make a change on another device. - The widget no longer reports last month's payments as current on the first day of a new month.

Improvements - The Debt Snapshot chart now has a legend, and each debt keeps the same color across the Debt Snapshot, Payoff Order, and Payoff Journey cards. - Tap a debt in the Debt Snapshot legend to highlight its slice and see its balance and rate. Bug Fixes - The Payoff Order list is now sorted by payoff date, so a debt that clears earlier is no longer listed below one that clears later.

Bug Fix - Catching up on missed months no longer charges interest on a card inside its 0% promotional window, so your balance ends up lower. Extra payments in those months now go to your highest rate debt.

Improvements - Debt categories now show their own colors on the Add Debt and Edit Debt forms, matching the Debts tab. Bug Fixes - If you had more than one debt and an extra monthly payment, the extra was counted twice in any month a debt was paid off. - The month a debt was paid off could come in under your monthly total, with the leftover turning up the following month instead.

What's New - Confirming a payment now lowers that debt's balance. Your payoff date, interest totals, and progress are based on what you have actually paid rather than on an estimate. Tapping a confirmed payment again reverses it and restores the balance exactly. - Each payment in the Monthly Breakdown now shows how much comes off your balance and how much is interest, so a $150 payment that moves your balance $138.11 is explained. - You can page back through previous months to see the payments you recorded. - If you go several months without opening the app, the Dashboard lists the months you never confirmed, shows what your plan called for, and records them in one tap. Undo reverses it. - A congratulations screen appears when a debt reaches $0, and again when your whole plan is paid off. Improvements - Payoff calculations are more accurate for both Avalanche and Snowball, including 0% intro periods and one time payments. - The Report and Dashboard now always agree on your payoff date and interest totals. - When a payment does not cover the interest, the Dashboard says so and shows how much more per month is needed to make progress. - Editing a debt now opens with your current values already filled in. - Debts with a 0% intro rate now warn you a month before it ends, naming the month and the rate that follows. - The home screen widget shows your real payoff progress, updates as soon as you add or edit a debt, and shows a Debt Free state once everything is paid off. - Searching or filtering your debts now shows how many matched, and a No matches screen instead of an empty list. - One time payments, skipped and paid markers, and dismissed notices now sync across your devices and survive reinstalling the app. - The Dashboard and long payment schedules scroll faster, and exports are quicker. - The payoff strategy shown on every screen and export now matches the one your plan is saved with. - You can enter a balance equal to the minimum payment, and debts paid down to $0 stay in your list and remain editable. - If your data cannot be read, the app now reports it instead of showing an empty Dashboard. Bug Fixes - Payment reminders now fire correctly for due dates on the 29th, 30th, and 31st in shorter months, and debts due on the 1st get a reminder the day before. - CSV export now produces files that open correctly in Numbers and Excel, and the option to watch an ad to export respects the format you picked. - Delete All Data now clears scheduled reminders and the home screen widget. - Deleting several debts at once now removes all of them. - Your payment plan is no longer removed while your devices sync. - Debts you mark as paid this month are saved reliably. - Debt names no longer keep leading or trailing spaces. - Changing your device language no longer clears this month's paid and skipped status. - Restore Purchase now reports the actual problem instead of always saying no purchase was found. - The Plan saved confirmation is readable in Dark Mode. - The widget's Next debt now follows your strategy and skips debts you have already confirmed this month. - The 0% promotion note no longer writes the year as 2,027. - Adding or editing a debt no longer shows the same error twice.

What's New - Sync now runs entirely through your private iCloud account. Third-party services have been removed. Improvements - Removed unused background services for better performance.

Improvements - The "Skipped for This Month" section when creating a plan is now titled "Already Paid This Month?" with clearer instructions that explain why debts are pre-checked and what unchecking them does Bug Fixes - Fixed a crash that would occur when two debts shared the same name - Debts marked as paid were not cleared when resetting a plan, causing them to carry over into a newly created plan

- Fixed a crash that could occur at launch.

Bug Fixes - Added a prompt to open iOS Settings when notifications have been blocked for DebtFix. - Fixed an issue where payment reminders would stop working after reinstalling the app or restoring your device. - Fixed an issue where the ad would briefly flash and disappear when adding a new debt - Fixed a delay when tapping "Watch Ad to Export Once" where nothing appeared to happen

What's New - Updated icon    - Deleting a debt now requires confirmation before anything is removed - Deleting a one-time payment now requires confirmation before anything is removed                                     Improvements                                                                                                           - Update Plan button now accurately reflects that your existing plan is updated, not replaced - Past one-time payments are now locked from deletion to preserve your payment history                                 - Report screen no longer recalculates on every scroll or tap, reducing memory usage and improving stability

What's New - Avalanche vs Snowball side-by-side comparison — see interest saved and payoff date for each strategy before you commit - Home Screen and Lock Screen widgets show your payoff progress at a glance - Local notifications for every payment due date - Export your full payoff schedule to PDF or CSV - Debt categories: credit card, student loan, auto, medical, personal, mortgage, and more - Promotional / 0% APR support — set the interest-free window per debt - One-time extra payment option for lump sums - Skip the first month for any debt you've already paid this cycle - Anonymous-first sign-in — start using the app instantly, no account required - New custom theme colors Improvements - Complete UI overhaul with a modern card-based design system - Dashboard, Debts, and Report screens fully redesigned - Full offline mode — data lives on-device first, syncs in the background - iCloud sync keeps your debts and plans current across every Apple device - Add new debts or credit cards even after your payment plan is in motion - Cleaner Settings, Theme, and Premium screens Bug Fixes - Fixed extra remaining balance not rolling over to the next debt - Resolved several crashes and stability issues - Improved error handling

- Updated internal packages.

- App Icon now supports Dark Mode.

- Addressed the issue causing a crash when adding debt with a low payment plan. - Resolved the occasional crash when clicking on View Report.

- Fixed crash that would sometimes occurs when final month of payment plan was reached. - Fixed crash that would sometimes occur when modiyfing existing payment plan.

- Fixed crash that would occur when current month bypassed last tracked month. - Sorting type is now displayed next to sorting icon in Debts.

- Fixed issue where app would freeze after updating existing debt. - Updated Pie Chart to use a Donut style.

- Keyboard will no longer push the screen up when signing in. - Fixed issue where popup message did not appear when attempting to add a 4th debt as a non-premium user.

- Added new Payoff Progress Bar in Dashboard. - Updated style for Monthly Dropdown in Dashboard. - Added search toolbar in Debts. - Added sorting options in Debts. - Interest rate is now displayed in Debts in each row. - Updated Pie Chart. - Added Bar Chart to show how much interest and principal is being paid for each debt. - Added Area Chart to show the balance of each debt over time. - Updated popup style.

- Fixed bug that caused app to freeze when inputting interest rate larger than 100%. - Limited interest rate to 50%.

- Added iPadOS compatibility. - Rows in Settings are now fully tappable. - Minor UI changes.

- Pie Chart has been updated to a Pie Line Chart.

- Updated packages.