What's new in Promi
Every improvement, as it ships. Web changes reach the iOS and Android apps the moment they deploy, no update required.
Now
268 changes
Live on the web now
The next iOS and Android builds fold these in; nothing to update meanwhile.
Oct 2026
164 changes
- Fixed
picking a category from the Transactions search suggestions now filters the list to that category. It used to search the category's name as text, which most rows never carry, so Dining & Restaurants found nothing and "Did you mean" offered the same name back; choosing a category there filters too. Transfers & Income is now listed by that name instead of an internal code.
- Fixed
the Transactions search box shows "/" as its shortcut. It showed ⌘K, which opens the app-wide search on every page, this one included. Amount tags now read "$500 or more" and "$20 or less", since those searches include the amount typed.
- Fixed
- Improved
the Search & Filters tour on the Transactions page now shows what a search finds. A table runs four searches over four sample charges, one of them finding nothing because the dining rows name their subcategory, not the Categories menu's group, and a chart sets five transactions against an amount range, with a return counting the same as a charge. The tour names the five places a search looks, each amount form, what each filter does (the calendar narrows the list only once it is paged), the near spellings offered when nothing matches, Export, and the Search button in the header, which it used to place in the side menu.
- Fixed
the financial terms glossary now agrees with the rebuilt Learn guides and with what Promi shows. Fifteen "Where this lives in Promi" lines named a page or chart that had moved: budgets against spending are on the Budgets page, and the Emergency Fund card is on Cash Flow. Worked examples with arithmetic errors are now computed: one had put the 30-year cost of a 0.72-point fee gap on $200,000 at "tens of thousands", when it is about $277,000. Lean, Fat and Barista FIRE describe the targets the FIRE Planning tab plans on, and the Monte Carlo term uses the panel's own words. The line at the foot of each term page no longer lowercases the term or says Promi computes terms it does not, such as Fiduciary.
- Improved
the Profile & Data Sources tour on the Financial Profile now shows where each figure on the page comes from. A table follows one example household category by category, with the figure the page uses in bold. One chart sets its linked balances against the Reported vs Verified card's 20% band, another shows Promi's spending estimate moving from a modeled figure toward the household's own spending as months of history build up, and a third follows the year after one profile save: what stays as typed, what updates on its own, and when the date reads May be outdated. The card's statuses and the profile card's sections are listed with the badges and icons the page shows. The tour now covers the card's Income row and the EPIM bar's Profile Completeness view, and no longer describes a missing-field list or edit pencils the profile card never had.
- Improved
the Transaction Calendar guide in the Transactions page's Learn menu now walks through the calendar as it works. A list names every mark a day can carry, from its net and the pill on the month's biggest days to today and the days still to come. One chart shows which months the arrows reach and which ones Last 12 Months counts, a table shows what a phone, a tablet and a wide screen each show, and a chart of one example year shows where Best Month, Worst Month and the monthly average come from. It no longer says a tapped day changes the figures on a phone, where the row under the calendar keeps showing the month.
- Improved
the Transaction Data & Sync guide on the Transactions page now shows how a purchase becomes a row and why it can change after it appears. One chart follows a card purchase from pending to posted, day by day, at a bank that sends pending charges and at one that does not; another shows when a new row's name, category and logo fill in; a third sets a month of money out of the accounts against what counts as spending. It lists what changes when a charge posts, names the banks that never send pending charges, shows how a refund counts on three pages, and no longer says a full sync runs every night or that the page has a sync button.
- Improved
the Dashboard Overview tour (Learn, on the dashboard) now describes the dashboard as it is. Each card is named by the title on screen, beside the same badges and range buttons the card shows, with what its figures mean and where its arrow goes. A table lists which time range each card opens on and which choices Promi remembers on your other devices, and a chart shows when each card gets new figures across a weekday. It also corrects old lines: your card layout follows your account to other devices, the Net Worth card has an arrow to Accounts, and search in the header finds pages and settings, not transactions.
- Improved
the dashboard's Customize list now uses each card's own title: Markets, Financial Snapshot and Investments.
- Improved
- Fixed
a net worth below zero could rank higher than it is on the Financial Profile's benchmark card. Under the low end of a peer or local range, the further below zero it was, the higher it ranked, as high as Top 1%. It now reads Bottom 10%, the same rank the national comparison now gives a net worth well below zero.
- Fixed
after you change your city or state on the Financial Profile, the cost-of-living tier beside your location and on the Peer Benchmark card now updates as soon as you save, instead of on a later visit.
- Fixed
- Improved
the APY vs. APR guide in Learn now shows what a gap between two rates is worth in dollars. One chart sets a year of interest on an example $12,000 savings account at 4.00% beside the national savings rate, with the gap labelled the way an account's row on the Accounts page labels it, and another follows that gap over ten years. Two tables list what each kind of account is compared against: the national averages, with how often each one updates, and the fixed figures. The guide explains APY, APR, compounding, market rates, percentage points and basis points where each first appears, and no longer describes a rate rating the Accounts page never showed.
- Improved
the Peer Comparison guide in Learn now draws what the Financial Profile's benchmark card shows, on one example household. One chart places the same net worth among all US households and in its peer group, another puts the household's assets, debt and net worth on the card's percentile bars, a third draws the net worth band in dollars, and a fourth sets the Peer view beside the Local view in two ZIP codes. The guide explains cohort, percentile, median, the shaded band and modeled estimates where each first appears, lists the words the card uses for each range, and says why the income bar has no dot in the Peer view. It also corrects an old line: a percentile can move because the bands were re-estimated, not only because the household's own figures changed.
- Improved
the Cost of Living guide in Learn now shows what a cost tier means for what money buys. One chart sets the monthly mortgage payment on five loan sizes against the US median household's month ($87,460 a year, from the Census Bureau), from about 23% of it on $250,000 to more than all of it on $1.25 million. Another shows what that income buys in each of the four tiers at national prices, and a third follows one salary into a cheaper place with the pay unchanged and with the pay set by the tier. The tier table now lists each tier's number on Promi's cost-of-living index, the guide says where your tier shows and what it feeds, and terms such as purchasing power, median household income and 30-year fixed rate are explained where they first appear.
- Improved
the Retirement Forecast guide in Learn now draws its lessons on one example household. A chart follows its forecast from age 32 to 95, another shows what moves the line each year (saving and growth while working, the draw and growth after), a third counts the same forecast in today's dollars and in the dollars of each year, and a fourth shows what one point less return does to it. The guide names every part of the forecast card as the screen does, including the scenario tabs, the phone's Models menu and a retirement age nobody has set, and explains inflation, real and nominal dollars, accumulation, drawdown, projections and guarantees where each first appears.
- Fixed
the Retirement Contributions card on the Portfolio page now gives people 50 and over their catch-up limit when no birth year is on file. It used to measure them against the under-50 limit, $8,000 to $11,250 too low for 2026, so the share used and the pace badge read ahead of where they were. The card now reads the age a person reaches by the end of the year, exactly from a birth year when there is one, otherwise from the age given during setup or in Planning Ages. The Savings Contributions guide in Learn says so.
- Improved
the Income Sources guide in Learn now draws where retirement income comes from and how big the gap is. One chart sets an example household's yearly spending against the income its savings and Social Security supply, with the shortfall drawn, worked out the way the Retirement tab's Income Sources Breakdown does it. Others show its Social Security at each claiming age, what each claiming age has paid in total by each birthday (claiming at 70 passes claiming at 62 by 81), what a $24,000 pension buys over the years with and without a cost-of-living adjustment, and how the gap shrinks as the retirement date moves. Terms such as full retirement age, primary insurance amount, withdrawal rate and required minimum distribution are explained where they first appear, and the guide now describes the breakdown as it works: its shares are of the goal, it counts Social Security in full even before it starts, and it leaves rental income out.
- Improved
the Savings Contributions guide in Learn is rebuilt around six sections. It now draws how three common employer match formulas turn a contribution into a match, how much room is left under a 401(k)'s total limit once deferrals and a match are in, and a year of pace readings against the On Track band the Retirement Contributions card uses, where $18,000 spread evenly reads Behind Pace all year because the pace is set by the limit. Vesting schedules, the Roth IRA income range and an ESPP lookback are tables, every limit still reads from the 2026 IRS figures, and terms such as elective deferral, catch-up, vesting, true-up and MAGI are explained where they first appear.
- Fixed
the Historical view on the Retirement forecast now replays every full stretch of market history, so a 30-year plan is tested against 70 starting years instead of 69. A replayed period that ran out now names the year the money ran out, where it used to name the year after. The Withdrawal Rates guide in Learn counts the extra years too.
- Improved
the Withdrawal Rates guide in Learn now runs every rate from 3% to 6% through Promi's historical backtest and shows how often each lasted over 30, 40 and 50 years of retirement. A new chart shows why a withdrawal held level in today's dollars still rises every year, and a pair of charts follows a 1966 retirement under a fixed rate and under guardrails: the fixed draw ran out in its 28th year, while guardrails kept going by cutting the draw to under half its start for four years. The guide's last section says what Promi does with the rate under each withdrawal policy. Terms such as real withdrawal, backtest, guardrails and success rate are explained where they first appear.
- Fixed
under Investment Assumptions, the Spend what you need and Variable by age policies now say the withdrawal rate sets the income estimates, not the balance projection. Variable by age used to say the rate did not apply, though it still sizes the income estimates.
- Improved
the Monte Carlo Simulation guide in Learn now shows what a success rate counts. One chart follows a single simulated market against the middle of all 1,000, a second draws the forecast line beside the bands the way the Retirement forecast does, a third shows how many runs had not yet run out at each age, which is why the same plan reads a lower rate the later it ends, and a fourth shows how the rate moves with the retirement age and spending. A table lists what the Monte Carlo panel says at each rate, and terms such as run, percentile, median and sequence of returns are explained where they first appear.
- Improved
the Scenarios guide in Learn now matches the scenario tabs on the Retirement Forecast as they work today, including Edit this plan and the Balances and Gap views. Three new charts follow one example plan beside a later retirement and lower returns, and show the age at which each of seven single changes starts to move the plan.
- Improved
the chart in the Goal Setting guide that splits money between two goals now labels its last month.
- Fixed
tables in the in-app guides keep a space between their columns. Before, a table of amounts could run them together, so three months of $1,200 read as "$1,200$1,200$1,200".
- Fixed
charts in the Learn guides, and their table views, now print a negative number with a true minus sign (−$1,800, −43.3%), as the guide text does, and the sign stays on the same line as its number in a narrow table.
- Fixed
the arrow on each section of an in-app guide, and the button that closes the guide, are easier to see. In light mode the arrows were faint enough to miss, and since every section after the first starts folded, the arrow is the only sign that it opens.
- Improved
the Life Events guide in Learn now shows what one dated change does to the whole plan. One chart sets a cost, an inheritance and four years of tuition each against the same plan without it; another lands the same $100,000 cost at four ages, from 35 to 80, and shows how much more an early one takes by 95; a third adds two shocks one after the other until the money runs out. A couple three years apart shows how the plan handles two retirement dates, and a plan that runs short shows what life expectancy changes. The guide also explains each field of a life event and how a Joint event counts in each view, and says that the years after one partner dies are not modeled.
- Improved
the FI Projections guide in Learn now draws five charts on one example household: how the withdrawal rate sets the FI number (25 times spending at 4%), how far apart the Barista, Lean, Traditional and Fat targets sit, how much the expected return moves the date, the age at which passive income passes each path's spending, and why the coverage bar on the FIRE tab reads differently on each tile. The guide also describes the FIRE tab as it works today, planned life events and the Rate menu included, and explains terms such as withdrawal rate, real return, passive income and Coast FIRE where they first appear.
- Improved
- Fixed
holdings in a 457(b), Roth 401(k), SEP IRA, SIMPLE IRA, Thrift Savings Plan or pension now carry the second badge naming the account in the Portfolio Breakdown positions table, as 401(k) and IRA holdings already did. A holding in a 529 plan no longer gets one, since a 529 holds education savings.
- Fixed
the Year over Year figures on your Financial Profile now count contributions to a Roth IRA that your bank lists simply as "Roth", along with 401(a), SEP, SIMPLE IRA and Thrift Savings Plan accounts. Before, only a shorter list of account types counted, so those contributions were left out.
- Fixed
if removing a bank connection fails, the connection now stays as it was and pressing Remove again finishes it. Before, a failure partway through could leave that bank's accounts and transactions behind with no way to remove them.
- Fixed
the Portfolio Breakdown donut always draws the ten largest holdings. Sorting the positions table by name or type used to reorder the donut as well, so Top investments could show the first ten holdings alphabetically, and every sort changed the colours. Each holding now keeps one colour, matched by the dot beside it in the table, and the example portfolio shown before an investment account is linked folds holdings past the tenth into one slice the same way.
- Improved
the Market Data guide in Learn now sets a bad day against the record. One chart draws the S&P 500's largest fall in every year from 1980 to 2025 and whether the year still finished higher (35 of the 46 did), another what $10,000 from 2006 to 2025 ended at with the market's 10, 20 or 30 best days missed, and a third how often 1, 5, 10 and 20 years of holding finished positive. A table works one example session through four funds the way Market Impact on You counts it. The guide also describes the Markets card as it works today, its D, M and Y buttons and when its figures update, and explains terms such as index, volatility and drawdown where they first appear.
- Improved
the Tax-Efficient Investing guide in Learn now draws three charts. One sorts an example $150,000 portfolio into the four tax layers the retirement forecast draws (Pre-Tax, Roth, After-Tax and HSA), with a table of how each account lands in its layer. A second follows one $10,000 of pay from 32 to 65 through each layer and shows what is left to spend after tax. A third marks where each layer is untaxed: going in, growing or coming out. Terms such as tax-deferred, qualified withdrawal, contribution limit and catch-up are explained where they first appear.
- Improved
the Portfolio Performance guide in Learn now draws where a year's gain comes from. One example household's year splits into the money it added, the change in price and its dividends, and shows that the gain beside the Investing chart counts all three. A second chart shows what the S&P 500 comparison on that chart sets side by side: the portfolio line includes money added, and the index line leaves out dividends. A third shows how far apart the S&P 500's best and worst runs of 1 to 20 years have been. Terms such as contribution, total return, benchmark and percentage point are explained where they first appear.
- Fixed
the labels under five Learn charts no longer run together on a phone or tablet. Your Savings Rate's chart of years to financial independence printed "60%70%", and Net Worth's age chart printed "Under 35" over "35-44". Those charts now print fewer labels; the table under each chart still lists every point.
- Fixed
the Investing page's EPIM explanations (Portfolio Overview, Asset Allocation and Diversification Check) counted every fund as stocks, so a bond index fund read as stocks and a portfolio holding one could read "No fixed income on file". A fund now counts by what its name says it holds: a bond fund as bonds, a money market fund as cash. Target-date funds, which hold both stocks and bonds, are counted apart and named as such. The Diversification Check's opening line also says "largest class", the share it measures, where it said "largest holding".
- Improved
the Diversification guide in Learn now shows where one example portfolio sits on the Diversification Check's ranges. A second chart follows ten years of drift in a mix nobody rebalanced, and the guide's badge definitions say which class each counts toward.
- Fixed
- Fixed
the Emergency Fund card on the Cash Flow page keeps a target only once it has saved. A custom amount past 24 months of spending showed on the card and never saved; it is now kept as 24 months, the most a target can be. A target that fails to save goes back to the one before, and a custom target now shows in the Target field instead of leaving it blank.
- Fixed
the dashboard's Cash Balance card said its total was checking and savings, but it also counts CDs, HSAs and prepaid card balances. It now reads "Checking, savings and other liquid accounts".
- New
the Emergency Fund guide shows where a runway sits on Promi's three bands, how one car repair moves the runway each page shows (the Accounts page divides by 30 days of spending, the dashboard by 60, Cash Flow by the period you pick), and two households whose net worth and runway point opposite ways. It also explains the Emergency Fund card on the Cash Flow page: its target and its four badges.
- Improved
the Goal Setting guide in Learn now draws what a goal asks of each month. One example car fund shows its required monthly, what is left of the target spread over the months left, climbing once the balance stops growing, and the guide explains why a goal whose date has passed reads Overdue whatever its balance. A second chart shows how much of a balance comes from growth after 5, 10, 20 and 30 years of saving, and a third follows one $800 a month split between two goals or given to one and then the other. Terms such as pace, expected return, compounding, liquidity and employer match are explained where they first appear.
- New
the Features page ends with a side-by-side table of what Promi covers next to Monarch, YNAB, Copilot Money, ProjectionLab and Boldin, the same table as the Compare page.
- Fixed
installments paid to Klarna, Affirm, Afterpay, Sezzle or PayPal Pay in 4 from a bank account were left out of your spending, filed as loan payments. They now count as spending: in the store's category when your bank names the store (a Klarna installment for Warby Parker counts under Healthcare), and under Shopping when it does not.
- Fixed
two categories went by two names. The Budget page called them Additional Savings and Kids & Education, while your transactions said Savings & Investments and Child Education. The Budget page, the Transactions filter, the charts, your Financial Profile and budget emails now use Savings & Investments and Child Education too.
- Fixed
money you move between two of your own linked bank accounts no longer counts as both spending and income. When a transfer out of one account arrives at another within a few days, Promi now pairs the two and keeps both out of your totals.
- Improved
the Your Savings Rate guide in Learn now shows why Promi's 12-month savings rate barely moves after one expensive month. An example household's $2,000 car repair takes its March below zero (-25%), while its 12-month rate slips from 16.7% to 13.2%, holds there for a year and comes back once March leaves the window. A table shows the same March on the Transactions calendar, the Cash Flow page's Savings tile and the EPIM Analysis card, which each read a different window. The guide also places each reading in Promi's four bands, draws a $200 raise against $200 less spending, and lists what counts as income and what is left out. Terms such as take-home pay and trailing 12 months are explained where they first appear.
- Fixed
- Fixed
the guides and the Help Center now name the Budgets, Goals and Recurring Payments pages the way the menu does, under Spending Plan. Before, they pointed to a "Budget page" and a "Recurring tab" that the menu never shows.
- Fixed
streaming plans now file in one place. Netflix, Spotify, Disney+, Prime Video, Peacock and other video, music and audiobook plans go under Subscriptions, in Streaming Services, every month. Some of their charges used to land in Entertainment or Shopping instead, so those budgets moved from month to month. Movie tickets, concerts and events stay in Entertainment.
- Fixed
some pet store and vet charges were filed under Other, which the Budget page leaves out, so they counted toward no budget. They now count under Personal Care, as Pet Care.
- Fixed
subscribing in the iPhone app now switches your plan on as soon as Apple confirms the purchase. Before, the app could not confirm App Store purchases, so a subscription bought in the app did not unlock Promi. Restore purchase works the same way. If Apple confirms a purchase but the plan does not switch on, the app now says so instead of moving on.
- Fixed
some credit card purchases were left out of your spending because the bank labelled them as loan payments. When that label is a low-confidence guess on a card charge, Promi now works out the category itself, so a subscription or a ticket bought on a card counts as spending.
- Fixed
the Budget page no longer reads "Over pace" just because a big bill, like rent, landed early in the month. The badge above the spending chart, the line under the budget bar and the Essential and Lifestyle badges now follow the month-end projection on the same card, so they agree with it. Under the bar it reads, for example, "Ends ~$5,639 under".
- Improved
the Spending Insights guide in Learn now explains the Transactions calendar's pills: each day prints the money that came in less the money that went out, and the biggest quarter of a month's days carry a green or red pill. It draws one example month as the calendar shows it, the same month's everyday spending by day of the week, and day by day with its paydays marked, then walks through a review of a finished month against a typical one. It also corrects two old claims: the Best and Worst Month figures rank months by net rather than by spending, and they show only on a wide screen.
- Improved
the Spending Categories guide in Learn now follows four real charges (a coffee, a streaming service, fuel at a warehouse club and a shopping trip there) through the order Promi files them in: a category you pick comes first, then Promi's review of each new business, then the category Plaid sends with the transaction. It also lists every category and subcategory in Promi's two groups, Essential and Lifestyle, with familiar businesses as examples, and draws one example month split by group and by how much of it is fixed. Terms such as bank feed and merchant memory are explained where they first appear.
- Improved
the Budget Basics guide in Learn now shows where a month is heading. One example May, read on the 9th, sets Promi's projection (the $4,000 a usual month spends) beside a run rate, today's spending stretched over the month ($7,585), and a second chart shows why one unusual month cannot become the forecast once three months are behind it. The guide also lays five budgeting methods side by side on one take-home pay, draws the 50/30/20 split against one example month, and explains where the Budget page's starting amounts come from and what each number on the page means. Terms such as allocation, run rate and median are explained where they first appear.
- Fixed
- Fixed
a chart that showed "Chart failed to load" (which can happen right after an update) now comes back with your numbers when it retries. Before, it came back empty until you reloaded the page. Once one chart is back, the charts you open next draw right away instead of showing the same message for up to three seconds.
- Improved
the Markets charts on the dashboard are calmer and easier to read. The previous close is a dashed line through the middle of every chart, so the six line up: up days rise above it and down days fall below. Each line starts at the open, so an overnight jump no longer draws as a cliff at the left edge. A quiet day now looks like a small move instead of filling the chart. The lines use the same green and red as the rest of the app, and the VIX shows its cents (15.21, not 15).
- Improved
the "Add an account" options read more plainly, for example "Banks, cards, investments and loans. Syncs automatically." The mortgage step after adding a property uses the app's own button colour.
- Fixed
the bank connection notice at the top of each page now says what is wrong. When your bank wants you to sign in again, it says so, and it no longer calls a connection expired while it still works. When a bank stops sending new transactions, it gives the date they stopped, where it used to say the bank had not synced. The daily sync limit message in Settings also shows the right support address.
- Fixed
while the Plaid window is open, the Promi window behind it no longer sticks out around it on wider screens, and it shows one status at a time. Its "Reopen Plaid" button now works when the Plaid window does not appear.
- Improved
small text is easier to read across the app. Labels, captions, table cells and chart axes are a size larger, nothing is smaller than 12px, and text on a phone is never smaller than the same text on a computer. The calendar's daily amounts, the market tiles and the bottom navigation labels were the smallest and grew the most. On the Dashboard, Transactions and FIRE pages, and in the EPIM panel on every page, the labels beside your numbers, table headers and notes moved up another size, and labels that were in small capitals ("RETIREMENT PORTFOLIO") are now written normally.
- Improved
while you look around a sample household during your free trial, the sample notice and your trial share one card at the top of each page. The sample row is tinted so it is hard to miss, and the trial row shows a dot for each of your seven days and the date your trial ends. Outside a sample, the trial line shows the same dots and date. It now says "Nothing is charged unless you choose a plan" in place of "No card on file".
- Improved
in setup, the Cash, Investments, Home and debt shortcuts on the last step carry the same coloured icons as the fields they open.
- Improved
"The App Store or Google Play" on the "How did you hear about Promi?" screen shows both stores' logos.
- Improved
the Year Over Year guide in Learn now describes the Financial Summary table as it works: it starts on a typical household in your area, and a past year comes from that year's checkup. Two new charts show why the table reports changes as percentages: a car loan and a mortgage repaying nearly the same dollars in a year, 31% of one and 3% of the other, and a steady 7% adding more dollars every year. Each row and term in the table is explained where it appears.
- Improved
the Ownership guide in Learn now draws how a couple's money splits. One bar shows each partner's view taking their own accounts and half of every joint one, meeting in the middle of the shared money, and a month of spending shows why the two partners' Transactions lists add up to more than the household's. The guide also names the All, Joint and per-person pills and what each counts, where an account's owner is set, and that a 529 plan stays in net worth but out of the retirement forecast.
- Improved
the Account Connection guide in Learn now draws what reaches Promi when a bank is linked: balances, transactions, investments and loan details do, the bank sign-in stops at Plaid, and nothing that moves money leaves the bank. Two more charts show a day of refreshes and how long each connection can go quiet before it is flagged. The guide now says that Promi links US banks only, that removing a connection deletes that bank's history, and which Sync button does what.
- Improved
the Recurring Expenses guide in Learn now shows why one month can cost more than the last with nothing new bought. A year of example bills shows water, car insurance and renters insurance landing in the same month, and a second chart sets a quiet month and that busy month beside Monthly Bills, which spreads every bill evenly over the months it covers. A table shows what each billing schedule adds to Monthly Bills and how long a bill can go without a charge before it stops counting. The guide now says that a yearly bill has to be added by hand, and names the survey behind its subscription figures.
- Improved
the Money Flow guide in Learn now draws what the Where Your Money Goes card on Cash Flow shows. One chart lays out the card's three columns, with Net Savings on the right beside the accounts the spending came from, which is where the card draws it (the guide used to place it in the middle). Others show how the average US household's spending divides, how one $2,000 repair makes a single month look unlike its year, and how some bands are set by one decision while others build up from many purchases. Terms such as band and share of spending are explained where they first appear.
- Improved
the Operating Cash Flow guide in Learn now shows why Net Cash reads so differently over 1M and 6M. A chart follows one $3,000 repair through a year of readings: all of it lands in the 1M figure for a month, a third in 3M for three months and a sixth in 6M for six. A second chart draws the three shapes Net Cash tends to take over a year, and a table shows which events move Net Cash and which move cash position. The guide also says what each badge prints, why the MTD arrows read low before the 14th, and what the Runway and Savings rows divide by.
- Improved
the Cash Flow Patterns guide in Learn now draws what it explains. A calendar shows the months a year's once-a-year costs and third paychecks land in, three example years show what the streak under the Income & Spending chart counts, and a forecast read in early December sits beside what came next: it averaged a three-paycheck October and missed the holidays. A bar of bank balances against card balances shows what true cash is. The guide also explains each view and tile on the chart, from the typical month (the middle one, so one odd month barely moves it) to the range.
- New
a college student joins the sample households, a 20-year-old in Gainesville, Florida with a part-time campus job, a room in a shared apartment, money from family each month and a student loan that grows each semester. If you plan on your own with no kids at home, setup now opens her household when you are 18 to 22 with an income under $50K, or 24 or under and live with family or in school housing. She is in the demo picker too.
- Improved
the EPIM panels on the Transactions page explain themselves. The spending snapshot names the category that moved your month most against its own average, and which months set that average. Every tile names its window and carries one comparison, categories wear their icons, and merchants show their logos. Amounts above or below an average are coloured by what they mean, so spending less never shows in red. Income vs Expenses compares the last 30 days with your 12-month average, built from the same months as the savings rate. Transaction Frequency is now Purchase Sizes: your typical purchase, the average, and how much of the month a few large purchases carry.
- Improved
the Net Worth Trends guide in Learn now shows what it explains. One chart separates what a household put in from what the market did, a pair shows why a month's dip looks larger on the app's chart than it is, and a third shows each $100K arriving faster than the last. The guide also lists the chart's controls: the three chart types, the Beginning, Change and Ending strip, and plotting one category from the sidebar.
- New
the Retirement and FIRE pages show what your own data supports when you have linked a bank but no investment account yet. FIRE shows your spending and the portfolio it would take to cover it, and Retirement keeps every plan input. Where a page needs investments (progress, an FI date, the forecast), a card says so and offers to connect one.
- Improved
a retirement age you never set now reads "65 (not set)" on the Retirement and FIRE pages and in EPIM, with a link to set it, instead of looking like a choice you made. The plan uses 65 until you pick one.
- Improved
on the FIRE page, household spending says when it is estimated rather than read from your transactions.
- Improved
Recent Transactions on the dashboard shows who made each purchase again, as an initial in that person's household colour (or J for Joint), with the card it was on under the merchant name, and long category names no longer run into the merchant. Changing who a transaction belongs to on the Transactions page now sticks after a reload. In the header, the search box and the household filter now share one white rounded style, with the Household label inside its own toggle.
- Improved
the demo picker shows seven households, one for each stage of life, so it is quicker to choose. Setup still opens whichever of the fourteen households is closest to your answers.
- New
a young family that rents joins the sample households, an HVAC technician and a dental hygienist of 31 and 30 with two kids in Raleigh, North Carolina. If you plan as a couple with kids at home and tell setup you rent, it now opens their household instead of one with a mortgage.
- New
setup asks whether you rent or own your home, as one optional row under the kids question. Renters and owners spend differently, so the answer sharpens your estimates and the sample household you start in.
- New
a mid-career couple with no kids joins the sample households, an accountant and an electrician of 40 and 38 who own a home in Richmond, Virginia. If you plan as a couple aged 33 to 49 with no kids at home, setup now opens their household instead of a family with a child.
- New
a single renter joins the sample households, a civil engineer of 32 in Chicago with a 401(k), the tail of a student loan and a down payment fund. If you plan on your own, are 28 to 49 and have no kids at home, setup now opens his household instead of a recent grad's (or, from 33, a high earner's when you own a home or earn $150k or more).
- Improved
the sample household you land in after setup now sits closer to your income. Families, single parents, late-career households and retirees each come at more than one income, with loans and goals sized to match, so a $125k family no longer opens a $235k one.
- Fixed
on a wide screen, the subscribe page now lines up the plan choice and the payment form side by side, both starting at the top, and the payment form shows at full size, so its text matches the rest of the page. The plan choice stays in view while you scroll the form.
- Fixed
- Improved
the Financial Snapshot card now shows what its numbers mean. Beside the rows, a bar splits your assets into what you own and what you owe, and two ladders show where your income and net worth sit among US households, with the dollar line where the middle, the top 10% and the top 1% begin. The card is now quiet greys with dark text: a small coloured dot marks each row, and the same colours show what you owe and where you sit. A bullet that repeated the net worth to income figure is gone.
- Improved
the sample households' investments now follow the real market, so their net worth history, the portfolio chart and the Markets card's monthly figure tell the same story.
- Improved
a cleaner dashboard. Search now sits in the header on every page on desktop. Recent transactions show the category and amount, with "Pending" under the amount and the bank on hover, and days read Today and Yesterday. The Markets tiles have room between them, so each change sits with its own index. Cash Balance and the FIRE portfolio are drawn in blue, the dashed cash line is labelled as the 21-day average (or whichever window the range uses), and "Vs typical: Below" is now the dollar and percent difference. Charts that don't start at zero use a lighter fill, the Spending Plan and FIRE charts fit their axes to the numbers, and the Net Worth card has the same header as the other cards. Thousands read "K" everywhere.
- Fixed
signing into a new account on a browser someone else had used could copy their display settings into it (dismissed banners, the AI toggle). Each setting now remembers whose it is, so a new account starts from the defaults. A setting picked before signing in still carries over.
- Fixed
if you're signed out somewhere else, or your account is removed, the app now shows the sign-in screen with a short note instead of bouncing between screens.
- Fixed
the sample households' net worth charts no longer jump in their first two days, so the growth figure on the household picker is right (one sample read +999% before).
- Fixed
after deleting your account in the app, you now go straight to the sign-in screen. Before, the app could spin for a long time first.
- Fixed
the portfolio line on the dashboard's Markets card now counts 529 education accounts, as the Portfolio page does. Its value left them out while its 1M and 1Y change compared against a history that had them, so a household with a 529 could read a loss in a month every account rose.
- Improved
finishing the setup questions now takes a second or two instead of most of a minute. You land straight in a sample household like yours, with a card offering to connect your bank, and your own spending estimates build in the background. Leave the sample with Exit sample and it stays closed; otherwise it opens again until a bank is connected. Accounts that signed up earlier without connecting a bank see it too.
- New
two more sample households, a single parent with two kids in Atlanta and a single homeowner of 58 in Phoenix. If you plan on your own, setup now opens one of these instead of a couple's household: the single parent when you have kids at home, the late-career single from age 50 to 64. The single parent is in the demo picker too.
- New
a retired single joins the sample households, a retiree of 71 in Portland living on Social Security, a state pension and her IRA. If you are 65 or older and plan on your own, setup opens her household instead of a retired couple's.
- Fixed
a couple with no kids no longer lands in a sample family with a child. Setup now opens the early-career couple's household for you, and a home value or mortgage you entered counts as owning a home.
- Improved
the last onboarding question, how you heard about Promi, is now an even list (two columns on wider screens) with the icons lined up, and one tap answers it. Somewhere else still opens a box to say where.
- Improved
when you add a partner during setup, the invite line now says you can send it now or anytime from Settings.
- Fixed
after a free trial ends, the plan page offers a way out. The back arrow now signs you out (it used to land you back on the same page), and Sign out and Delete account buttons sit under the plans.
- New
if you have linked a bank but no investment account yet, the Portfolio page shows what it looks like for a sample household, dimmed behind a card that names what you have connected and offers to connect an investment account. If your investment accounts are linked but fail to load, it says so and offers a refresh instead.
- Fixed
while you browse a sample household, the Add Account options no longer offer adding an account by hand. An account added that way was saved but showed nowhere until a bank was connected.
- Fixed
a sample household's holdings no longer show a Manual badge on the Portfolio page.
- Improved
for a retired household, the Retirement tab now describes income being drawn rather than projected, plans on all of today's spending, says when no Social Security is entered instead of estimating one, names each partner's age where it says how long the money lasts, and drops the "Retire 3 years later" comparison. The retired couple sample household now carries its Social Security and pension on its plan.
- Improved
- New
when everyone on your retirement plan is retired, the FIRE page reads as a retirement page. It shows your withdrawal rate (what the portfolio pays out a year, before tax) beside the range that held up historically at today's market valuation, counts the Social Security and pensions you already receive against your spending, and lists benefits that start later. The FI date, savings targets and path tiles step aside. The Retirement tab's forecast now leads with how long the money lasts and the share of simulated markets that keep it funded, and the dashboard's Financial Independence card shows the same withdrawal rate. A plan counts you as retired when Retired is switched on or your age has reached your retirement age.
- New
while you browse a sample household before linking a bank, the first account you open says it is sample data, names the household it belongs to, and offers to connect your own accounts. It appears once, and the strip at the top of every page carries the same message after that.
- Fixed
an account with no bank or institution, such as a home you added yourself, is listed under its own name on the Accounts page instead of "Unknown".
- Fixed
a sample household's accounts no longer show a Manual badge, or edit, delete, owner and rate controls that could not save there.
- Improved
the scenario cards under the retirement forecast now start with your own plan and its figures, and every other card says what is different about it, such as "Jane retires at 63, not 60", or that it has the same inputs as your plan. Each card leads with how far that scenario ends above or below your plan, in dollars and percent, then its gap at retirement, with the balances themselves in small print. The labels at the end of each line on the chart show the same gap.
- Improved
on a computer, the scenario tabs above the retirement forecast now carry the numbers. Your plan's tab shows where it ends and its balance at retirement; every other tab shows how far it ends above or below your plan, what is different about it, and its gap at retirement. The bar on top of each tab matches its line on the chart. Clicking a tab highlights its line, and "Edit this plan" on that tab switches to it. The cards under the chart are gone on a computer, and the Balances and Gap switch now sits beside the expand button.
- Improved
phones get the same scenario tabs on the retirement forecast. The row scrolls sideways, with your plan first and the next scenario peeking in, and each tab shows the same figures as on a computer. Tap a tab to highlight its line, then "Edit this plan" to switch to it. The cards under the chart are gone, and the Balances and Gap switch sits under the chart.
- New
- New
your retirement scenarios now sit as tabs on top of the forecast, and the others draw on the chart beside the one you are on. The open tab is the plan you are editing, marked FIRE because the FIRE page runs on its saved version; the eye on any other tab shows or hides its line. Pick one to colour it and shade the gap, or switch to the Gap view to see every scenario as a percent above or below your plan. A card for each one shows where it ends, its balance at retirement, and whether the money lasts, and hovering the chart lists every scenario's balance that year. + copies your plan into a new tab and the menu on a tab renames, duplicates or deletes it, replacing the Add/Edit Scenarios button. The FIRE page now names the plan it runs on and lets you change it. The demo and the sample households show two built-in scenarios beside their Base Case, "Retire 3 years later" and "Returns 2 points lower". This replaces the old comparison window, whose figures left out your home equity and did not match the chart.
- Fixed
switching retirement scenarios kept your state and the number of children from your profile only on the first one you opened, so a switched-to scenario could lose the child tax credit until you reloaded.
- Fixed
retirement scenarios no longer open with unsaved changes. The Retirement tab used to replace each scenario's annual expenses with your spending from transactions every time it loaded, so the plan always showed the yellow unsaved dot and no scenario could keep a spending figure of its own. Each scenario now keeps its own figure, and the expenses editor shows your transaction spending with a "Use this" button when the two differ by more than 5%.
- Fixed
Save on the retirement plan now waits for the save to finish, and tells you if it did not go through instead of showing "Saved". Renaming or duplicating a scenario no longer switches you to it, a second duplicate gets a numbered name, and each scenario keeps the same colour when you switch. The plan summary's investment return now matches the rate under Investment Assumptions.
- Improved
if you have not set up a retirement plan yet, the FIRE page and the dashboard's Financial Independence card now start from your questionnaire answers: your target retirement age, your 401(k) contribution and employer match, and whether you plan with a partner. It is the same starting plan the Retirement tab creates, so the two pages agree.
- Fixed
the Financial Independence date and chart could leave out your savings entirely. When your income was known only from the paychecks deposited to your bank, those deposits were taxed a second time, so take-home pay looked smaller than spending and the plan added nothing each month. Deposits now count as take-home pay, and the month in progress no longer counts as a full month of income and spending.
- Fixed
hovering the Financial Independence chart on the dashboard counted a planned life event, such as an inheritance, as investment gains. Life events now get their own row, so Gains shows market growth only. The totals now say they count from today, and a line underneath shows what your plan adds each month. The chart on the FIRE page shows the same breakdown now, with the same names.
- New
- Improved
the demo dashboard opens faster. The sample households only change once a day, so their dashboard figures are now worked out once and shared by every visitor instead of recomputed on each open.
- Improved
ages on the planning pages now move with the calendar. An age you entered a year ago counts as a year older today, so the forecast, the FIRE date and the years left to retirement stay current without asking for anything new.
- Fixed
"On pace for" and the month-end projections counted a rent or mortgage twice when it posted earlier in the month than usual, so a $6,326 rent paid on the 2nd read as on pace for $12,652. A bill already paid this month now counts once.
- New
required minimum distributions start at 73 or 75 depending on the year you were born, and for people around 65 to 67 an age alone cannot tell which. For them, Planning Ages now offers Add birth year, and the Tax Buckets panel and the tax guide say when the start age is estimated from age. Anyone can still add a birth year with the pencil next to "Born".
- Improved
income tax payments, like a payment to the IRS or a state tax board, now show as "Tax Payment" and stay out of spending and budget totals. Some had been filed as Other Essential, Personal Payments or Housing. A county property tax bill still counts under Housing.
- Improved
every chart's hover panel now reads the same way. Point at or tap a chart and the panel shows the date first, then the headline number, then each line's value beside a sample of its own line, and, when the chart has a pace or target, where that point stands against it. On the Budgets spending chart, the Today marker no longer draws over the panel.
- Improved
- Fixed
interest and dividends on a CD or a brokerage cash account showed as money going out, and a tax payment could show as income. They now count the right way round: interest and dividends count as income, and a tax payment no longer does.
- Improved
the tax guide behind Learn more in the Retirement Plan Summary now follows your theme, in light and dark mode, and its small print is easier to read. Each tax bucket keeps the colour it has on the forecast chart, and the withdrawal order's step numbers stand out on every colour.
- Fixed
when your bank sent a payment back and the payee charged it again, the payment counted twice in your spending. The returned payment and the credit that reversed it now both show as "Returned payment" and stay out of spending and budget totals; the charge that went through still counts.
- Improved
budget alerts now come when a category is actually over its budget, or when 80% is used and the month is on pace to end over it. A mortgage or rent payment on the 1st no longer sets one off by itself in an ordinary month.
- Improved
when Promi can see your mortgage or rent payments, your Housing estimate follows those payments instead of being blended with a model, and an automatically created Housing budget is sized to a typical month.
- Fixed
Export All Data now works in the app. Tapping Download in Settings > Data Management opens your export in Safari (iPhone) or your browser (Android), which saves the ZIP to Files or Downloads. Before, the app said the export had downloaded when nothing was saved.
- New
on the website, an Export button on the Transactions page downloads the transactions you are looking at as a CSV file. Search, dates, category and account filters all carry into the file, so you can export one month of groceries or every charge from one card.
- Fixed
on Financial Summary, when Peer figures cannot load, the Peer column now shows dashes and a short note. It used to repeat your own numbers, so every row read "No change".
- Fixed
the Peer option on the How it works page shows a sample peer household again, with its income, taxes, take-home and balance sheet, instead of repeating the sample family's own numbers.
- New
when transfers from one sender keep arriving in an account and none of them count as income, the Transactions page asks once whether they are pay from your business. "Open the newest one" opens that transfer, where picking a kind of income can cover the rest and future ones. "Not now" hides the question for that sender.
- Improved
Export All Data in Settings is easier to read in a spreadsheet. Columns have plain names, accounts are named the way the app names them (with their last four digits), and investment activity says what each entry was, such as your own contribution or an employer match. Accounts you have hidden are left out, along with their history.
- Fixed
a Wells Fargo & Company 401(k) showed as "& Company 401(k) Plan" on the Transactions page. It now shows its full name.
- Fixed
the required minimum distribution note in the Retirement Plan Summary now shows the first RMD your projection actually takes, at the age it falls and in today's dollars. It used to estimate it from today's balance, which left out decades of growth, and it only appeared above $500K of pre-tax savings. The Tax-Aware Planning Guide it opens under Learn more now shows the same figure, where it had its own lower estimate.
- Improved
Retirement Planning chart tooltips and the Roth conversions guide match the rest of the app (no emoji, the same colours as the chart).
- Improved
on a wide screen, the Retirement Forecast's Expand button is now a small icon beside the title, so it no longer sits on the edge of the chart, and the labels above and below the chart are no longer in all capitals.
- New
the sign-in screen marks the way you last signed in on this device (email, Apple or Google) with a small "Last used" tag.
- Improved
the sign-in screen keeps your email filled in after you sign out. On a shared device, "Not you?" under the field clears it.
- Improved
the Investments, Markets and Financial Independence cards on the dashboard now load together with the rest of the page, instead of starting only once it has arrived. On a first visit those cards fill in about a second sooner, with fewer requests behind them.
- Improved
the dashboard starts loading sooner when you open the app, and signing in takes you there with fewer steps, including with Google or Apple and from an email link. On a computer it also no longer loads the Accounts page in the background while the dashboard is still arriving.
- Fixed
if you use two-step verification, signing in with Google or Apple now asks for your code before account setup, the same as signing in with a password.
- New
Settings > Profile shows a partner invite that's still waiting, with the address and the date it expires, and lets you cancel it.
- New
you can invite a partner who already has their own Promi account. They get an email and see the invite at the top of the app, where they can accept or decline it. Accepting moves them into your household and removes their own, so it works while theirs has no linked banks or paid plan, and the invite tells them what to change first if it does.
- Fixed
- Fixed
on Financial Profile, the Financial Summary's Peer column shows your peers' median income again. Since June it had been showing your own income, so Income read "No change" and the peer taxes and take-home were worked out from your pay. The note under "How we calculate Peer" now says what the column is: households across the US of a similar age and income, with only the spending modeled for where you live. On a phone, the column header says Peer instead of Local.
- Fixed
a partner who joins your household from an email invite now sets a password on the way in. Before, the invite signed them in once and left the account with no password, so signing in again on another device needed a reset email.
- Fixed
- Fixed
in the Social Security editor, a yearly benefit you typed in, such as the figure from your Social Security statement, now stays yours when you change the claiming age. It moves by the same early-claiming reduction or delayed credits Social Security applies, and the 62, 67 and 70 buttons show your figure at each age. Before, any claiming-age change replaced it with Promi's estimate. Reset to estimate still brings the estimate back.
- Fixed
on Financial Profile, the Peer view no longer says its ranges are adjusted for your cost of living. Peers are households across the US of a similar age and income, wherever they live, and the card and its explainer now say so. The Local view is the one drawn from your ZIP code.
- Fixed
when Promi could not build a local comparison for your area, the Peer Benchmark card and the Financial Summary no longer show a Local view made from rough national estimates under your town's name. They show the Peer comparison and say the local one isn't available right now.
- Fixed
the Social Security editor no longer warns that a government pension can reduce your benefit through the WEP and GPO rules, which the Social Security Fairness Act repealed in January 2025. Its note now says the annual benefit is in today's dollars and only the lifetime totals add a yearly cost-of-living increase.
- Fixed
the plan page in Settings lists only what each plan changes about billing. Annual and Lifetime listed priority support, household comparisons, early access and a founder badge, none of which exist: every plan has the same features.
- Fixed
the email that says a bank stopped sending new transactions no longer claims your balances are still updating when they are not. If balances on that connection have stopped moving too, the email says the whole connection stopped updating, and the notification in the app says the same.
- Fixed
- Fixed
in light mode, pages no longer flash pale for a moment as they load. Before the app finished starting up, the first frame had none of your colour theme, so the home page showed white text on a washed-out background. Pages now open in your theme from the first frame.
- Fixed
on Financial Profile, the Financial Summary's Local Average column no longer repeats your own numbers when there is no local data for your area. It shows dashes, and a short note says why. With the comparison set to None, Taxes Paid no longer shows this year's taxes in the empty column.
- Improved
outline buttons have an edge you can see, in dark mode most of all. Decline on the cookie notice, Continue with Apple and Continue with Google on sign-up and sign-in, and the round arrow buttons such as the month switcher on Budgets now stand out from the page, and their edge gets stronger when you hover over it.
- Improved
more buttons have an edge you can see in dark mode, among them the month arrows on the Transactions calendar, Copy link on the FIRE calculator, Jump to section on the Privacy and Terms pages, and the colour theme picker in Settings. The email and password fields on the sign-in page now match the fields everywhere else in the app.
- Fixed
on a phone, the Category menu in a transaction's details no longer runs past the edge of the panel and hides its arrow. A long category name now shortens to fit, and the menu has a visible outline in dark mode.
- Fixed
deleting your account in Settings no longer says it worked when some of your data could not be removed. Your account now stays open and you see a message saying so. Pressing Delete again tries it again. The confirmation email now arrives only once your account is fully closed, and an account that was never fully set up can be deleted too.
- Fixed
reconnecting a bank that signs you in on its own website now finishes as a reconnect. It used to come back as a new connection, stop at "already connected", and never refresh the accounts.
- Fixed
- Improved
the free-trial strip now says which day of the trial you are on ("day 2 of 7") and how much of Promi you have set up. On the dashboard it lists the steps that show what Promi does (connect an account, set a spending plan, see your retirement outlook, and invite your partner if you plan together), each linking to where it is done. In the last two days it turns amber and says when access ends.
- Improved
Sep 2026
104 changes
- Fixed
signing up through a creator's link and choosing a plan no longer stops at "Failed to create checkout session". The creator discount now reaches checkout as promised.
- Improved
the last onboarding question, "How did you hear about Promi?", shows an icon beside each answer: the platform's own logo for Reddit, Facebook, Instagram, YouTube and TikTok, and a coloured icon for every other answer, so each choice is quicker to spot.
- Fixed
on the Cash Flow page, Income, Expenses and Savings count a refund the way the Category Breakdown does. A refund lowers spending in the category it came back to instead of raising Income, and Net Cash is Income minus Expenses. The runway on Cash Flow, Accounts and the dashboard divides by spending net of refunds too.
- New
on the Category Breakdown's month-to-date view, the Total spend tile shows what a typical month had spent by the same day, from your last three months.
- Improved
once a household has a year or more of linked transactions, its expense estimates (the budget guide and the Financial Profile total) lean on its own spending more than on the modeled estimate: about two thirds at a year and four fifths at two years, where they used to stop at half.
- Fixed
the Financial Profile's rank labels agree with the numbers beside them. "Top N%" now appears only from the 70th percentile up; between the 30th and 70th a household reads above, near or below the median, and under the 30th, "Bottom N%". EPIM's peer comparison uses the same words as the card and says which group each number is against, and the bar always shows where the median sits.
- Improved
the sample households show a full Peer and Local Benchmark, so you can see how a household like yours compares before you link a bank.
- New
money that arrives as a transfer can be named as income, and the kind is yours to pick: Paycheck, Business income or Other income. After you pick one, Promi offers to do the same for that sender's other transfers into the account, and to count future ones the same way. Undo is one tap.
- Improved
the category menu no longer has Deposits or Refunds. A refund keeps the category it refunds and nets there; a cash or check deposit is Other income. Salary & Wages is now Paycheck.
- Fixed
a new transfer into your account is no longer filed under a spending category such as Personal Payments, where it counted as a refund of that spending. It stays a transfer until you mark it as income.
- Fixed
connecting a bank that signs you in on its own website (Capital One, Schwab and others) now finishes in the browser tab you started it in. Before, the website sent you to the app instead, and the page that asked you to open the app said the account was already connected when it was not.
- Improved
a bill reminder email whose last charge differs from the bill's usual amount now says so, and names the average beside it.
- Fixed
on the Financial Profile, a homeowner's home services (repairs, landscaping, HOA, cleaning) now count as housing in the peer comparison and in your own estimate. They used to be counted as savings, which made savings look higher by that amount. A household with no US state is no longer taxed as if it lived in California in the peer column, and the modeled spending for a household like yours is researched for your area again when your profile is refreshed.
- Improved
on desktop the Learn guides now span the width of the page, left-aligned beside the guide list, with text running the full width. The Net Worth guide explains what moves net worth with a short table of assets, debts and net worth.
- Fixed
a budget alert email that fails to send is now tried again the next day, and a household with two members no longer misses one person's copy when the other's goes through. The in-app alert still arrives once.
- Fixed
the note under your accounts about national average rates now says how old the oldest figure is. It used to print today's date whether or not the rates had been refreshed.
- Improved
the Dashboard, Budget, Cash Flow and Planning pages load less code before they appear, and Planning now loads only the tab you open. The charts fetch their drawing code alongside your numbers, so they appear no later than before.
- Fixed
an investment account's day in your net worth history now keeps the balance your brokerage reported that evening. Since mid-September it could stop at the morning's balance for retirement and brokerage accounts that update after the market closes.
- Improved
buying Lifetime while a monthly or annual plan is still running on the web now cancels that plan the moment Lifetime goes through, and the unused part of the period you already paid for goes back to your card. Before, the old plan kept billing until we canceled it by hand.
- Improved
the Net Worth guide is rebuilt. Four charts show what moves the number, where a household's money sits against what it owes, the gap between median and mean by age, and a negative net worth that is getting better. Every Learn guide now reads at one width with slightly larger text, and on a wide screen each guide's sections are listed under it in the left column.
- Fixed
a car, a collection or crypto you add by hand as an Other asset now counts as not liquid, on the Accounts page and the dashboard alike. It used to count as cash, which could stretch your runway, and the account list and the summary beside it disagreed about it. It still counts in your net worth, and the Net Worth guide says where it lands.
- Fixed
- Improved
on big monitors (1920px and wider) the Learn guides set their text about a fifth larger and widen to match, so a guide fills more of the screen without longer lines. The Learn band and the site header line up with the guide at every desktop width.
- Improved
your dashboard card order and hidden cards, the budget Guide column, the retirement chart's grid and height, and whether deactivated accounts are shown now follow you to every device you sign in on, instead of resetting on each one.
- Fixed
on wide screens the Learn guides now sit centred, with the "On this page" list beside the article instead of a wide empty strip to its right. Definition lists read wider, and the Tax-Efficient Investing guide gives UGMA and UTMA custodial accounts their own note.
- New
the Monte Carlo guide draws 1,000 simulated markets as a fan around the median run, and the Withdrawal Rates guide shows every 30-year retirement since 1926 as a grid, with the four that ran out marked. Each has a table view with every value.
- New
five retirement guides on the Learn page have a chart. Income Sources shows Social Security by claiming age, FI Projections draws the crossover, Portfolio Performance separates money paid in from market growth, Scenarios compares retiring at two ages, and Life Events follows one cost to the end of a plan. Each uses one example household and has a table view with every value.
- Fixed
a bank connection that needs reconnecting keeps its reconnect prompt after a failed refresh. One failed sync used to hide the prompt while the connection was still broken, and could send the same connection email a second time.
- Fixed
when a card is declined on a renewal, Promi now emails you that day with the card it tried and the date the payment will be retried, and again a few days before access would end. Neither email had been going out.
- Fixed
a payment that went through while Promi was briefly unable to record it is now retried until your plan shows as active, instead of leaving the account on its free trial.
- Fixed
a trial reminder or a bill reminder that fails to send is tried again on the next run instead of being skipped for good.
- Fixed
tapping Restore purchase on iPhone no longer turns a lifetime plan into a monthly one, and an account with lifetime access can no longer be charged for another plan.
- Improved
opening the app asks our servers for far less. The dashboard reads only the window its net worth summary covers, other tabs are prepared only when this device has never loaded them, and the net worth and balance charts are computed faster, so pages are less likely to come up empty when many people open the app at once.
- Fixed
the savings rate and cash flow figures count a refund against its own category only. Money arriving in one category, such as a transfer filed under personal payments, no longer cancels spending in every other, and a category refunded past zero counts as zero. The dashboard, Cash Flow and Transactions pages now show one savings rate for the same twelve months.
- Fixed
budget alert emails and notifications count only charges that have posted, the same total the Budget page shows. A pending hold and the charge that replaced it had both counted, so some alerts said a category was over budget when it was not.
- Fixed
the pace line in a budget alert email now says where the month is likely to end from the category's last three months, the way the Budget page's pace column does, instead of stretching the spending so far across the whole month.
- Fixed
with one person picked on the Accounts page, the Assets and Liabilities totals and every section under them count a joint account at half, matching the summary card beside them, and each joint account shows the half it counts.
- Fixed
the market card's point change for a month or a year now measures from the starting price, so the S&P 500's one-year move no longer reads about 15% high, and a missing figure shows a dash instead of +0.00. A portfolio loss in the expanded market view now shows its minus sign.
- Fixed
the FI Progress explanation on the dashboard gives the same time to financial independence as the card, in months when it is under a year.
- Fixed
mortgage and car loan payments count as Housing and Transportation again. Since May they could be filed as transfers and left out of spending, the budget and your savings rate.
- Fixed
"Mark as income" on a transfer now moves it into income, and Undo moves it back. Before, it said it worked and no total changed. It appears only on money that arrived; a transfer out points you to the category menu.
- Fixed
Zelle, Venmo and Cash App payments to people show as Personal Payments instead of a raw code, and bank fees count as spending. Picking Taxes or Fees & Charges from the category menu now files them where they belong.
- Fixed
a loan payment, including a one-time payoff, now says in its details why it is left out of spending, with a way to count it. A payoff is labelled Loan Principal rather than a transfer.
- New
four more guides on the Learn page have a chart. Net Worth draws median against mean net worth by age, Ownership shows how a joint account splits between two partners, APY vs. APR shows one rate compounded four ways, and Savings Contributions compares this year's limits across accounts. Each has a table view with every value.
- Fixed
a household outside the US now sees its national peer comparison, with a note that local comparisons cover US addresses only, instead of local figures that were not for its area.
- Fixed
the Market Data guide's market-history figures now match the J.P. Morgan reports they come from, name those reports and their dates, and list them as sources: an average intra-year S&P 500 drop of 14.2% with 35 of 46 years positive from 1980 to 2025, and what missing the ten best days did to $10,000 from 2006 to 2025.
- Fixed
the Peer Comparison guide, the glossary, the FAQ and the methodology page now say plainly that peer bands are estimates an AI model makes from the Survey of Consumer Finances and Census data, not tables from those surveys. The guide lists both as its sources.
- New
every guide on the Learn page says when it was last reviewed, and the guides that quote published figures, such as the Survey of Consumer Finances or the IRS contribution limits, list their sources at the end. A guide shared as a link now shows its own title and summary in the preview instead of the general Promi card.
- Fixed
your local comparison uses the town your ZIP code belongs to, so a rural ZIP is no longer compared with a different, nearby neighborhood.
- Fixed
the local comparison on your Profile keeps naming your area after it updates, instead of falling back to a generic heading.
- Fixed
the peer comparison ranges on your Profile refresh every three months as intended, and the date beside them says when they were made. Some had been carried over from the spring under a later date.
- Fixed
the local comparison on your Profile names your own city. When another household in your ZIP code had been compared first, it could show the city that household typed instead.
- Fixed
the Tax Guide's Roth section counts the conversion window the way the projection does. For a couple it opens once both of you have retired, so it now matches the ages the projection converts at.
- Improved
the rate-the-app request no longer pops up a few seconds after you open Promi. It now comes right after something goes well, like finishing a goal or setting up a budget, and never while a bank connection needs attention or soon after you report a bug.
- Improved
the FIRE tab and the dashboard's Financial Independence card label their starting figure Retirement portfolio, since it leaves out education and children's accounts that the Investments total includes.
- Fixed
the Roth conversion section of the Tax Guide works through one fixed example of spreading a conversion across tax brackets instead of listing amounts sized to your own balance, and the Retirement Plan summary describes the conversions the tax-aware projection models instead of an estimated lifetime saving.
- Fixed
an account with lifetime access can no longer be charged for a monthly or annual plan.
- Improved
- Improved
the retirement forecast, Monte Carlo, the historical backtest and the FIRE date leave out 529 plans, other education savings accounts, custodial UGMA and UTMA accounts, and accounts owned by a child. That money is set aside for education or belongs to the child, so it no longer funds retirement in the projection. It still counts in your net worth.
- New
an account's tax layer (Pre-Tax, Roth, After-Tax or HSA) can be changed from its details on the Accounts page, for example a Roth IRA the bank reports as a plain IRA. Automatic returns it to Promi's rule.
- Fixed
Promi now uses one cost-of-living list everywhere, so your Profile, your peer comparison and your typical spending estimate agree on your area. The Cost of Living guide lists the places in each tier from that same list. A location outside the US no longer shows a tier, and the profile asks for a US state it recognizes, such as CA or California.
- Fixed
the Financial Independence card on the dashboard sizes each FIRE path the way the FIRE tab does, counting a pre-Medicare healthcare cost on every path, the part-time income you set for Barista, and your own spending figure for Custom, so the card and the tab show the same target and date.
- Fixed
the tax bucket descriptions on the Retirement Plan summary name both starting ages for required minimum distributions (73, or 75 for those born in 1960 or later), and the scenario comparison's success label is a plain badge instead of an emoji.
- Fixed
the years under the dashboard's Financial Independence chart no longer run together into one unreadable line. A long projection now labels every few years, the way the chart on the FIRE tab does.
- Fixed
Export All Data in Settings now includes your transactions, budgets, household members, and investment holdings and activity. Those files were missing from every download, and the balance history stopped partway for households with a long record. If part of your data can't be read, the export ends with an error instead of downloading an incomplete file.
- Fixed
while you browse a sample household, the FIRE tab opens on the sample's own path, Lean for most samples and Fat for the single investor, with its plan and chart below the path tiles, and the dashboard's FI card names the same path. The plan area had been empty, and the card showed a code where the path's name belongs.
- Fixed
UGMA and UTMA custodial accounts count as After-Tax in the Tax Buckets view instead of Tax-Free, since their earnings are taxed every year. The Tax-Efficient Investing guide explains how.
- Fixed
the Tax Buckets panel on the Retirement Forecast now says what the projection models: the age required minimum distributions start, and the Roth conversions it makes before then, with their total. The conversion count and savings figure it showed before came from a separate rough estimate rather than your forecast, so they are gone.
- Fixed
the FIRE planner describes instead of advising. Its withdrawal-rate check shows the range that held up historically for retirements begun at today's market valuation, where it used to call a rate safe or unsafe, and the Coast, Barista, Lean and Fat paths describe each budget rather than telling you to stop saving or to spend less.
- Fixed
the Tax-Aware Planning Guide on the Retirement Planning tab explains the order Promi's projection draws from accounts in, rather than presenting it as the order to follow. On the Learn page, the Peer Comparison guide describes the percentile bar as the app draws it, and the glossary's cost-of-living example uses Promi's own cost-of-living index.
- Fixed
the cost-of-living area on your Profile now matches your state and city by their whole names. Some states written out in full, including Virginia, Minnesota and North Carolina, showed as a low-cost area, and Portland, Maine was read as Portland, Oregon.
- Fixed
the typical local household your spending is compared with now reads your city by its whole name and in your own state, so York, Pennsylvania and Manhattan, Kansas are no longer treated as very high-cost areas.
- Fixed
the Retirement & FIRE guides now describe what the planner does. FI Projections explains the tiles on the FIRE tab, where Lean is 70% of your spending and Fat is 125%, each divided by your withdrawal rate with any pre-Medicare healthcare cost added. Monte Carlo gives the 12% volatility the simulation uses, and Withdrawal Rates explains that under the default Spend what you need policy the rate sets your income estimates rather than the projection. The contribution pace badge, saving a scenario and the chart markers on a phone are described as they work, and the 4% rule is credited to William Bengen's 1994 study.
- Fixed
the gain beside the portfolio chart includes money you added, and its guide now says so. The same pass through the investing, benchmark and rate guides corrected the Markets card's list of six indexes, how peer comparisons treat where you live, and the cost-of-living table, which now uses the same index as your Profile.
- New
eight glossary terms, from Benchmark and Volatility to Tax Drag and Asset Location, and the tax bracket table now shows 2026. Several definitions were corrected to match the app, including burn rate and runway, which now name the period each page measures.
- Fixed
the Accounts & Net Worth, Cash Flow, Budget & Spending and Saving guides now match what the app does. A year-over-year change of any size shows its percentage, the cash flow forecast is the average of your last three complete months, Money Flow's left column shows income by category, and a category you pick is never replaced by the automatic review. Figures from outside surveys, such as net worth by age and the average household's spending, name their source and year.
- Fixed
Your Plan in Settings no longer downloads the website's card payment code in the background. It loads only if you tap Update on a card you pay with on the web.
- Improved
the demo's household picker shows each household as a card. Household income is the big number, net worth sits under it, and a house or building says whether they own or rent. Each person has a chip with their age: adults in the colours they wear inside the app, children in amber. The household you have picked is outlined, and the panel beside it is titled with the family's names and shows each person by first name and age. Its chart shows the household's whole history with the change in one line under the figure, instead of range buttons and a repeat of the total, and one line under it says how much of their income they saved over the past year and how many months of spending they hold in cash.
- Improved
the letters in the Promi logo are the same dark slate as on the app icon, in the app, on the website and in emails, where they were black. The launch screen follows with the next app update.
- Fixed
the plan screen opens straight onto the App Store plans. It could show the website's version of the page for a moment first, and it no longer downloads the website's card payment code in the background.
- New
three guides now include a chart. Net Worth draws its balance sheet as two columns of the same height, Your Savings Rate shows how the years to financial independence fall as the rate rises, and Withdrawal Rates draws the same 30 years of market returns in two orders. Each chart has a table view with every number, and a chart built on an example household says so.
- Improved
the plan screen shows the subscription terms before you subscribe through the App Store: the plan's name and price, that it renews until canceled, and where to cancel it. Links to the Terms of Use and Privacy Policy sit beside them, including when you come back to pick a plan after a trial or subscription ends.
- Fixed
the bottom tab bar sits clear of the phone's navigation bar. It was leaving only half the space Android reserves for it.
- Improved
- Improved
budget alert emails open that category's transactions for the month, instead of the budget page.
- Fixed
while you browse a sample household, the assets and liabilities editor and the Household Profile settings show that household rather than your own, and cannot be changed.
- Improved
buttons and selected options are easier to read in the Default, Sunset, Forest, Ocean and Blush themes and in dark mode. They use a deeper shade of the theme colour, so their white text stands out, and coloured text in Sunset, Forest, Ocean and Blush is one shade darker to match.
- Improved
grey secondary text is a little darker in the Slate, Default, Sunset, Forest, Ocean and Neutral themes, so it stays readable on the tinted backgrounds of the website and on the app's panels. The main line on charts is darker in the Sunset, Forest and Ocean themes, so it stands out from the card behind it.
- Improved
guide text is easier to read in every category. It now has the same contrast whatever the topic, so the Cash Flow, Budget and Benchmarks guides are no longer faint on their tinted boxes. Each guide keeps its own colour.
- Fixed
in dark mode, the "mi" in the Promi logo is white on its blue pill, as it is everywhere else. It had been drawn in near-black.
- Fixed
in the demo, switching households opens the one you picked. Once the app had been in the background, it could keep showing the household you had open before, or send you back to the household picker.
- Improved
guides are easier to read. The text is larger in the app and on the Learn page, and on a wide screen the Learn page keeps each line to a comfortable length. In a retirement guide, a section can now be opened or closed on its own after Expand all.
- Improved
a guide on the Learn page reads like an article. Every section is open under its own heading, the guide's name is the page title, and the page scrolls as one instead of a box scrolling inside it, with the list of guides staying beside you. On a wide screen a contents list shows where you are in the guide. Each guide ends with the next one to read and two related ones, and every section has its own link to share. Guides in the app are unchanged.
- New
the Learn page has a search. One box looks through every guide, the sections inside them and the glossary, and a start-here list beside it suggests five guides to read first. The glossary page's own search now finds a term from its words in any order, so "sequence risk" finds Sequence of Returns Risk.
- Improved
on a phone, the Learn page shows the whole list of guides instead of a small box that scrolled on its own, and a guide opens as a page of its own. A bar at the top of the guide shows where you are and brings the list back. Tables in a guide are only as wide as their figures, so each number sits near its label.
- Fixed
the cash runway on the dashboard counts spending the same way the Cash Flow page does. It had counted transfers between your own accounts and credit card payments as spending, and left out purchases made on cards, so it could show more or fewer months than you really have.
- Fixed
Social Security estimates use the Social Security Administration's 2026 figures, both the benefit formula and the $184,500 cap on earnings that count toward a benefit. They had used 2025's, which put a typical estimate about $400 a year low and one at the cap about $2,400 low. A benefit already saved in your plan is not changed.
- Fixed
the national saving rate quoted beside yours is the latest published figure, 3.0% for July 2026 from the Bureau of Economic Analysis, and names its month. It had said about 4 to 5%. The savings rate Explain panel on Income & Spending, the Savings Rate guide and the glossary all show it.
- New
onboarding ends with an optional question about where you heard about Promi. One tap, and you can skip it.
- Fixed
in the demo, choosing a household opens it, and Back on the household picker leaves the demo. Both could send you back to the picker instead.
- Fixed
the plan screen in the app could open on the Lifetime plan, which the App Store does not sell, and an iPad held sideways could offer it too. The plan screen now offers Monthly and Annual, and a Lifetime choice made earlier opens on Annual.
- Improved
the Learn switch in the phone menu is saved to your account, so turning it on or off on one device carries over to your other devices.
- Fixed
the demo opens the household you picked, or none at all. When that household can't be opened, or the sample you were exploring has expired, it takes you back to the household picker. It used to open a different household that isn't one of the choices.
- Improved
the demo's household picker draws each household's net worth with the app's own chart, with the same time ranges and axis labels.
- Fixed
the net worth chart's date range names the right starting month. A range that began on the 1st was labelled with the month before.
- Fixed
the net worth chart's growth percentage has the right sign when net worth is below zero. A debt shrinking from $23,000 to $14,000 had read as a negative percentage beside a positive change.
- Fixed
Back on the demo's household picker leaves the demo. It could send you straight back to the picker.
- Improved
Sep 2026
12 changes
Version 1.2.2 for Android
versionCode 11, September 27, 2026
- Fixed
the app icon shows the whole Promi logo, in the same stacked design as on iPhone. Before, the launcher cropped both ends of it.
- Fixed
the launch screen shows the Promi logo at its true shape. It could show a generic placeholder mark, stretched to fit the screen.
- Improved
Bug Report in the menu opens the feedback form with Bug already chosen, and Feedback opens on General. The two sit together at the bottom of the menu. The Bug on/off switch, and the Bug button it added above each page, are gone.
- Fixed
the screenshot sent with feedback shows the page you were on. It had been capturing the feedback form itself over a dimmed page, and from the phone menu it captured the menu.
- Improved
the Learn page opens one topic at a time. Every topic stays listed on the left, and choosing one folds the last one away, so the list no longer runs long enough to hide where you are.
- Fixed
- Improved
the weekly check-in reminder shows the Promi mark in the status bar instead of a generic info icon.
- Improved
- Improved
the household picker shows each household's ages and their children's ages in place of the initials circles, and the preview is titled by the kind of household.
- Improved
on the household picker, the button names the household it opens, children's ages read "one child aged 4" instead of "one kid, 4", and the page asks for the household closest to yours.
- Improved
- Improved
the Help Center, Contact, and Security pages open as app screens with a back arrow, without the website's header and footer.
- Improved
the Terms of Service and Privacy Policy open as app screens with a back arrow, without the website's header and footer, and keep the jump-to-section list.
- Fixed
"Try the Interactive Demo" sent you straight back to the sign-in screen instead of opening the household picker. The picker now opens.
- Fixed
the interactive demo no longer asks for your fingerprint or face. Opening it on a new install switched the app lock on and then asked you to unlock a sample household that was not yours, before you had an account at all.
- Improved
Sep 2026
6 changes
Version 1.2.2 for iOS
build 48, September 27, 2026
- Improved
the Promi logo on the app icon is larger and fills more of the icon.
- Improved
the launch screen logo uses the same colors as the app.
- Improved
- Fixed
the category and account counts in the Transactions filters are complete. For longer histories they counted only part of your transactions, so a category could show fewer than it held.
- Fixed
the Accounts, Budget, Profile and Household pages show a message when they fail to load. Before, a failed load left the loading placeholder on screen indefinitely.
- Improved
automatic home value estimates skip any month where the new estimate moves the value by more than 30%, and keep the previous value rather than applying an unlikely jump.
- Fixed
spending on the Cash Flow page is now counted one way everywhere. The Category Breakdown and the money flow chart included pending charges, so their totals could run ahead of the numbers beside them. They now count posted transactions only, like the rest of the page. Money that leaves through an income category, such as a reversed paycheck, now lowers income instead of counting as spending, which can move your savings rate slightly.
- Fixed
Sep 2026
342 changes
Version 1.2.2 for iOS
build 47, September 26, 2026
- Fixed
importing transactions from a CSV file works. Every import was failing with an error, and a file imported twice is now recognized instead of adding its transactions a second time.
- Improved
the market brief and the market analysis report what the markets did and why. They no longer offer views on what investors should do.
- Fixed
the sample households stay current. Their transactions now run to two days ago, the way a linked bank's do, instead of stopping on the day the sample was made, so their paychecks and bills keep counting on the Recurring page.
- Fixed
in the demo, Exit on the sample household bar goes back to the household picker. It used to open a household that is not one of the seven.
- Improved
Changed: the demo's family with a mortgage is now John and Jane Carter, in place of a placeholder surname.
- Improved
the household picker is now a table. Each household shows who they are, where they live, their ages and their children's ages, with income and net worth in their own columns so the seven compare down the page. The preview is titled by the kind of household, starting with your own numbers is a link right under the Explore button, and on a phone the row of households opens on the one being previewed.
- Fixed
after you connected a bank, your balance chart could show flat lines for the months before you connected, because it was drawn from only your first few weeks of transactions. It is now drawn from your full history once that finishes importing, and charts that were already flat have been redrawn.
- Fixed
on the household picker, moving the pointer from a household to the Explore button could switch to another household on the way, so the button opened one you had not chosen. A household is now picked by clicking it, and the button names the household it opens. Children's ages read "one child aged 4" instead of "one kid, 4", and the page asks for the household closest to yours.
- Fixed
peer comparisons for accounts opened since mid-September used a generic national estimate instead of figures for your area and household. They use your area's figures again.
- Fixed
more local shops and restaurants now show their own logo. When a business's website led with a large photo, the app gave up and showed an icon instead of trying the smaller logo the site also has.
- Fixed
- Fixed
connecting the same bank again with the same accounts added a second, empty copy of it. The app now tells you that bank is already connected and leaves your existing connection as it was.
- Fixed
connecting a bank with a long history could stop importing partway, leaving older transactions missing with nothing to finish the job. The import now picks up where it left off until your full history is in, and it arrives sooner.
- Fixed
connecting a second bank within five minutes of the first could leave it with no accounts, and its transactions never appeared. Each bank you connect now brings in its accounts, however quickly you add the next one.
- Fixed
the Learn menu on the Investments tab opens its guides again. Since June, picking a guide there did nothing.
- Fixed
if a renewal payment fails, the warning email now gives the real date your plan ends if the card is not updated, two weeks after the failed charge, instead of a date a week too early.
- Fixed
"Ask about this" on a Citi card named it "Citibank Online Double Cash Card". The message and the card now read "Citibank Double Cash Card".
- Fixed
sharing your net worth, spending plan or retirement projection now works in a web browser, not only in the iPhone and Android apps. Where the browser has no share sheet, the message and link are copied for you to paste, and the button says Copied.
- Fixed
- Fixed
during the free trial, the plan page said your plan was billed somewhere else and pointed you to support or the App Store to cancel it. The trial has no card on file, so the page now says there is nothing to cancel and you will not be charged.
- Fixed
importing balance history from a CSV file failed every time with "Failed to save balance history". It saves now, and it never replaces a day your bank has already reported.
- Fixed
the dashboard could show an empty or zero state when its data failed to load, such as "No transactions yet" or a $0 month. It now says the load failed, and numbers you had already loaded stay on screen while it tries again.
- Fixed
connecting your first bank while looking around a sample household now opens your own dashboard right away, instead of mixing the sample with your new accounts until the next reload.
- Fixed
signing in on a phone or browser where someone had tried the demo could open that demo's sample household instead of your own accounts, and it kept coming back after signing out. Once your account has a bank linked, it always opens on your own numbers, and a household picked in the demo no longer follows anyone into their own account.
- Fixed
Changed: on iPhone, the plan page no longer offers a separate 14-day App Store trial. Every account already starts with the 7-day free trial, and the page now shows when yours ends and says plainly that subscribing through the App Store starts billing that day.
- Fixed
- Fixed
the contribution limits in the guides and the glossary are the announced 2026 figures ($24,500 for a 401(k), $7,500 for an IRA, $4,400 and $8,750 for an HSA), and the planning editor's 2026 limit is the announced figure rather than an estimate. They all read from one table now, so next year's update reaches every page at once.
- Fixed
several Learn guides described numbers the app does not compute. The cash flow guide now matches the Net Cash tile and its four windows, the FI crossover is passive income against expenses, savings rate and runway use the same bands as the app, peer bands are described as the modeled estimates they are, and typed market rates that had gone stale are gone.
- Improved
the net worth guide on the dashboard, the savings rate guide on Cash Flow and the category guide on Transactions are now the rewritten versions the Learn page shows, in place of older copies that disagreed with them. The five page tours (dashboard, profile, search, calendar and transaction sync) moved onto the same design, with each claim checked against the screen it describes.
- Improved
the household picker in the app now shows the household the way the website does. The current household is a card with its initials, who they are and their income and net worth, and tapping it opens all seven as the same cards, with a check on the current one.
- Improved
the household picker is now a screen built for the app. It opens without the website's header, navigation and footer, shows one household at a time with a dropdown to switch between them, and no longer scrolls like a web page.
- Fixed
the Help Center, Contact, and Security pages showed the same white bar above and below the page in the app. They now open as app screens with a back arrow, without the website's header and footer.
- Fixed
the Terms of Service and Privacy Policy showed a white bar above and below the page in the app. They now open as app screens with a back arrow, without the website's header and footer, and keep the jump-to-section list.
- Fixed
on a phone, the sample-household bar at the top of every page was a tall card with its label squeezed into a narrow column. It is now two short rows: the household on one, Switch, Exit and Connect on the other. The household picker also has a Back link above its heading.
- Improved
the household picker is now part of the marketing site, with the same header, navigation, theme switcher and footer as the pages around it. On phones its three figures stack as rows instead of squeezing across.
- Fixed
on the household picker, couples now "rent" or "own" rather than "rents", a net worth below zero shades against its line instead of from the top of the chart, and a savings rate below zero is marked the way a negative cash flow is.
- Improved
the household picker loads complete. The numbers and the chart arrive with the page instead of appearing a moment later, one click on a household opens it, each chart names its first and last value, and each household says whether it rents or owns.
- Improved
on the household picker, pointing at a household now selects it, so the preview never flips back on the way to the button. The net worth chart fits its own range instead of starting at zero, each household's one-line description is back under its name, and the initials are easier to read.
- Improved
the household picker shows each household's ages, and the kids' ages where there are kids, in the list and in the preview.
- Fixed
the old demo tour page, a mock dashboard with made-up numbers that the picker's logo used to open, is gone. Its address now opens the household picker, and the picker's logo goes to the homepage.
- Improved
the household picker now previews the household you have selected, with its net worth over the last year and a half, last month's cash flow, savings rate and cash runway, before you open it.
- Improved
Open the live demo now opens the household picker first, so you choose which of the seven households to explore before the demo loads. The demo bar has a Switch household link for changing your mind later.
- New
the first time you land on a sample household, a card over the dashboard offers to connect your bank and credit cards, or to look around the sample first. After that the getting-started card at the top of the dashboard keeps the connect step in view, with the sample named so the numbers cannot be mistaken for yours.
- Improved
skipping the bank step after the onboarding questions now opens the app on a sample household chosen from your answers, with a bar on every page saying it is a sample, instead of an empty dashboard asking you to connect. Connect whenever you are ready and your own numbers take over.
- New
the demo is seven households, not one. Pick a household to explore at /demo/choose: a recent grad, an early career couple, a family with a mortgage, a mid career investor, a dual-income professional couple, a late career couple and a retired couple, each modeled from public spending data for its income and city. Every tile says the household's income and net worth. Switch between them from the bar at the top of any page.
- Improved
the demo now says it is the demo everywhere you look for the way out. The sidebar says Exit demo instead of Sign Out, the household card under it carries a Demo tag, and the command palette matches. On a phone the banner at the top said "Sample household. D..." and now reads in full. Nothing about the sample data changed.
- New
look around before you connect a bank. The connect prompt now offers a sample household chosen from your questionnaire answers, and every page opens on it: a modeled household of your shape and income, in your part of the country, with a bar on each page that says so and a button to connect your own accounts or leave. Nothing about the sample can be edited, and connecting an account switches you to your own numbers.
- Fixed
the interactive demo no longer asks for Face ID. Opening it on a new install switched the app lock on and then asked you to unlock a sample household that was not yours, before you had an account at all.
- Fixed
- Improved
tapping a shared transaction link opens it in Promi instead of your browser, where you would have had to sign in again. Tapping one while you are already on Transactions now opens the right charge rather than doing nothing.
- Improved
the profile card in the onboarding questions is now a way back. Every row goes to the question it came from, and a row you have not answered says Add rather than showing a dash.
- Improved
the last onboarding question now names what makes up your net worth and your debt without making you open anything. Cash, investments and home sit under the net worth box; tap one to fill it in, and it keeps the amount afterwards, so changing it later starts from the same place.
- Fixed
that screen used to show example amounts that read like answers you had already given, so it was possible to press Continue having entered nothing. The boxes now read "Your estimate", and Continue waits for your net worth and monthly spending, which are what the peer comparison is built from.
- Fixed
text fields, checkboxes, and choice pills now have a visible outline in dark mode, and a clearer one in every theme. The consent checkbox on the signup page and the fields in the onboarding questions were drawn in the same faint colour as a card edge, so in dark mode there was nothing to see.
- Fixed
a creator's or friend's link now counts wherever it lands. The code used to be remembered only on the signup page and only in that browser tab, so it was lost when the confirmation email opened a new one. The plan page now says when a creator discount is applied, and has a field to enter one if it was not.
- Fixed
the free trial bar (and the bank connection notices) no longer paint a solid strip across the top of the page. They sit on the page background like every other card.
- Improved
the Household Colors rows on the Profile page now read All, Joint, then each person, the same order the owner toggles use.
- Improved
"Ask about this" now sends a card as well as the message, so the charge arrives as something readable at a glance instead of four lines of text. The amount leads, with the merchant's logo, the date and the account under it, and the question is printed on the card itself. The message still goes with it, so you can reply to it the way you would any other text.
- Improved
- Improved
what happens after a plan ends is now the same everywhere and actually enforced. Bank connections are removed 30 days after a paid plan ends, or 7 days after a trial ends without a plan, and the financial data is deleted at 90 days, with one email when the connections go naming the deletion date. Sign-in, profile and plan settings stay. The trial, cancellation and FAQ copy all say the same thing.
- New
a renewal reminder lands a week before your plan charges, with the date and the exact amount. If a creator discount is ending, the email says so, so the first full-price charge is never a surprise.
- New
referring a friend now earns two months of Promi. The first time a friend who used your link pays, a $27.98 credit lands on your next bill, one credit per friend with no limit, and the referral page shows what you have earned. Credits apply to plans billed on the web.
- Fixed
referral links were not being recorded at all. The signup remembered the code, but the save failed every time, so nobody who shared a link ever got credit for it. Links now count.
- New
signing up through a creator's link carries their 20% discount to checkout by itself, even a week later when the trial ends. The discount runs for 12 months on Monthly and Annual and comes off the one Lifetime payment, and the confirmation email names the date it ends and the price after it. A code can still be typed in at checkout.
- New
every new account starts with a 7-day free trial, and no card is asked for until it ends. Sign up, answer the short questionnaire, connect a bank or skip that for now, and the whole app is open. A bar at the top of every page counts the days, and choosing a plan before the trial ends charges nothing until it does.
- Improved
the sidebar no longer shows an "Initial Questionnaire" link to people who had already finished it. It was reacting to having no linked accounts, and the link led straight back to the dashboard.
- Fixed
cancelling a subscription now tells you what happened. If it cannot go through, the page says so and says plainly that nothing was changed, instead of leaving the confirmation box open with no message.
- Fixed
a subscription billed by Apple no longer shows a Cancel button that could never work. It now says Apple handles the billing and links straight to your App Store subscriptions.
- Improved
- Improved
the list of everything else Promi does, at the foot of the home page, is now the same labelled chips the features page uses, and each one opens the part of the features page that covers it instead of dropping you at the top to hunt for it.
- Improved
- Fixed
on a phone, the peer comparison card printed the 25th, median and 75th labels under each percentile bar on top of each other and over the "you" marker, so every row read as one smudge. The bar keeps its band and median tick and labels only your own position; the median is already named beside it. The three rank chips in the card header also clipped the last one mid-word at phone width. They wrap to a second line now.
- New
app.promifinance.com/get is a short link that works on whatever you are holding. On an iPhone it opens the App Store, and anywhere else it opens the live demo or Promi in the browser, so sharing Promi in a message or from a printed code lands people somewhere that works.
- Fixed
the notice about Plaid having a problem now only appears when the problem can reach you. Plaid publishes one flag for its whole production API, so a fault in a product Promi does not use, or one that only affects adding a new connection, raised the same banner as a real outage and told you balances and transactions may lag. Two such notices in five days moved nothing: every bank connection stayed healthy and transactions arrived each day. The notice now says which part is affected, names the bank when a single bank is having trouble, and stays quiet otherwise.
- New
the notice says when the problem was reported and what Plaid is doing about it, so you can tell a fault from ten minutes ago apart from one that has been open all day.
- New
if Plaid is having trouble adding new connections, Add Account says so before you start, instead of letting the link attempt fail.
- Fixed
- Fixed
the three summary tiles on Category Breakdown were doing arithmetic on a half-finished month. Month to date, they divided a full 14 days of spending by whatever pay had arrived, which on a real household read "-233.8% of income" and on another day "-145411.7%". About a quarter of a month's income has landed by the 14th, so that percentage was never a fact about spending. Those tiles now say how far into the month you are and save the percentage for a range that has finished.
- Improved
the top expense tile says whether the category is a habit or a purchase. Housing showing $11,175 was one HVAC replacement, in a category that otherwise runs under $300 a month, and a share of total spending had no way to tell you that. It now reads "and $11,159 is one charge", or counts the charges when no single one carries it.
- Fixed
the summary tiles no longer change height when you switch the range, and an overspent month reads "Overspent $10,799" rather than putting a minus sign in front of it as well.
- Fixed
returns and refunds were counted as income on the Transactions page, which inflated both your income and the savings rate built from it. On one household that was $24,740 across 218 returns in a year. A refund now reduces what you spent, which is what it is, and the Transactions and Income & Spending pages now report the same income, the same spending and the same savings rate over the same twelve months. They were computing it three different ways.
- Improved
the cash position trend now shows the windows it can actually measure. If a card was linked partway through the last 90 or 180 days, that window cannot see most of what you owe, so it is replaced by a shorter one that can rather than shown with a caveat. The panel says which window is missing and why, and how much of your card balances each one reaches.
- New
"Ask about this" on any transaction sends a single charge to your partner with the question attached, by message or email. On iOS and Android it opens the share sheet. In a desktop browser without one, it copies the message to your clipboard instead. What goes out is the merchant, amount, date and account, nothing else about your money. If the person you share with has their own login on your household, the message also carries a link that opens the transaction for them.
- Fixed
the Income & Spending analysis panels were reading the calendar wrong in three places. "Income vs. Expenses" counted the part-month in progress, which puts a half month of spending against the small share of that month's pay that has arrived, so it overstated the gap by nine points on a real household. Runway led with the last 30 days, so one large purchase (an $11,159 HVAC bill) could drop it from about 7 months to about 5 and turn the tile amber. And savings rate said "11 mo" when a full 12 months of history was sitting there. All three now use complete months and name the months they used.
- Improved
the cash position trend no longer draws its conclusion from the window that can see the least. A card linked partway through a window sits outside the measurement, so a balance that grew there reads as nothing rather than as a drain, and on a real household the 180-day figure could only see 5% of what was owed. The panel now says how much of your card debt each window covers, and stays quiet rather than averaging a number it cannot stand behind.
- Fixed
the Accounts, Cash Flow, Planning and Household pages could show an empty or zero state when their data failed to load, instead of saying that something had gone wrong. They now report the failure and retry, so a page that could not load no longer reads as "you have nothing here".
- Fixed
a Transactions search that matched nothing took the search box away with it, so the only way to try again was to clear the search and retype from scratch. The box now stays put with your query still in it, so you can fix a typo with one backspace.
- Improved
a Transactions search that matches nothing now offers the closest merchant or category by name, with the number of transactions behind each one, and searching it is one tap. Type "Grocere" and it points at Groceries. The five example chips are gone: a typo needs the word you meant, not a lesson in search syntax.
- Fixed
your account balance history was missing updates. Snapshots written during a bank sync, a property value refresh, an investment sync, or a CSV import were being rejected by the database and dropped without an error, so your balance history could sit behind your current balances.
- Fixed
Sign Out in the quick search palette (Ctrl+K) signs you out. It used to land on a "page not found" screen and leave you signed in.
- Improved
the Monte Carlo and Historical panels' success bars, and the withdrawal coverage bar on the FIRE page, slide to their new lengths when you change a plan input instead of jumping.
- Fixed
the Transactions page could report that your accounts were still syncing and show nothing at all, on households with a full transaction history. A slow moment on the database was being read as "no transactions", and the wrong answer then stuck around because it had been cached. The page now retries, and keeps your last known numbers on screen while it does.
- Fixed
the transaction count beside the Transactions search box counted only the page you were looking at, so a search matching 263 transactions read "50 txns" directly above "Showing 1 to 50 of 263". It now reports the number of matches.
- Improved
Transactions search results come back faster, and the gap no longer grows as your history does.
- Improved
the Categories and Accounts filter counts now reflect what you have searched for. Searching "groceries" used to leave both dropdowns showing counts for every transaction you have.
- Fixed
life events you enter on the Retirement Planning page, an inheritance or a college bill, now count toward your FI date on the FIRE page. The retirement forecast has always used them and the FIRE page never did, so the two pages could describe different futures from the same plan. A switch under the FIRE Plan box turns them off, for where you land without them.
- Fixed
the FIRE page showed the same date five different ways. The year on the chart marker could be a year earlier than the FI date printed beside it, the crossover chart always rounded up to a whole year, and the ring and the path tile disagreed on how many years were left. The dashboard also put you a year older at FI than the FIRE page did. Every one of those now reads from the same projection, durations round to the nearest year, and your age at FI counts whole birthdays.
- Improved
the portfolio history bars on the FIRE page were locked to 32 pixels tall while the card around them stretched, so three years of growth read as slivers above a block of empty space. The chart now fills the card. The bars also start at zero rather than just below your smallest year, so their heights can be compared the way a bar chart invites you to.
- Fixed
- Fixed
typing in the Transactions search box lagged badly, a fraction of a second behind every letter, on households with a long merchant history. Each keystroke was re-checking every row's merchant name against the full merchant list. Search now keeps up with typing.
- Improved
changing the range or owner on a card no longer blanks it. The investments chart, the Income & Spending breakdown and the spending calendar keep what they are showing and dim while the new numbers load, instead of dropping to a spinner for about a second and redrawing from scratch.
- Improved
the category bars on the Income & Spending breakdown slide to their new widths when you change the range, rather than jumping.
- Fixed
the Net Worth card on the dashboard now keeps the chart view and time range you pick. Both were remembered on the device you set them on and then reverted on the next load, or on any other device.
- Improved
the EPIM panel shows each category's own emoji, the same one the Spending Plan table uses, next to the category it is talking about. That covers the dashboard, the Budgets page and Transactions, in both the instant views and the month-to-date recap, and the over-budget tile wears the emoji too, so you can tell at a glance which category is being described.
- Improved
when the dashboard panel names the charge behind a category going over, that merchant's logo sits beside its name, the way it does in your transaction list.
- Fixed
- Improved
the Budget table reads at the page's own type size instead of the compact size meant for cards, sub-categories are in full-strength text rather than grey, and sub-budgets show as plain numbers instead of chips. The "This month" label sits centred over the two columns it names.
- Improved
the dashboard card once labelled FI Journey now reads Financial Independence (FIRE), so the abbreviation no longer has to be decoded.
- Improved
the net cash flow chart in the EPIM panel is now a small version of the Monthly Income & Spending chart. It has an axis, so every bar can be read rather than only compared, and a taller track, so a quiet month no longer flattens into a dash beside a big one. Month labels are quarterly with the year on the older ones, this month so far is called out under the chart, the month still running is outlined rather than dimmed, and hovering any bar shows that month's number.
- Improved
every chart paints its green and red at the same three strengths, full for the current period, lighter for the rest and lightest for forecasts, so the Net Worth and Income & Spending charts now match each other and the bars elsewhere on the page.
- Improved
switching FIRE path on the dashboard's FI Journey card redraws the line from the left, the way the Investments card does when you change its range. The chart used to slide the old path into the new one.
- Fixed
on the dashboard, the FI Journey chart stopped at 15 years, so a plan that reaches its target later showed a portfolio line ending below the dashed target with no crossing point. The chart now runs to where the two meet and marks the FI year, like the chart on the FIRE page.
- Improved
- Improved
on the Budget summary card, the Total pace bar no longer paints green regardless of the month, so it stops sitting green beside a red "3 over" badge; it goes amber at 80% and red at 100% like the group bars. The up and down arrows on the card are proper icons, and on the phone the Savings & Goals bar gets its own colour instead of the fallback grey.
- Improved
bars, meters and the small status squares use a lighter fill green and red than the numbers beside them, so a thin bar no longer reads as black. Where a bar shows assets against debt, the debt is drawn as its own red segment instead of a faint track.
- Fixed
on the phone, the Connect Account button stayed in the header after you switched from Portfolio to Retirement or Financial Independence, where it sat on top of the page title. Each tab now shows only its own button, and a long title gets shortened rather than running under one.
- Improved
switching between All and each person on the Income Sources Breakdown re-proportions the bar instead of snapping to the new split, so you can see which share actually moved.
- Improved
the spending donut on Income & Spending and the goal wheel on the Retirement page draw themselves in when you scroll to them, the way the portfolio donut does. The spending donut used to finish before you reached it, and the goal wheel never moved at all.
- Improved
the green and red that mark gains, losses, surplus and deficit across the app are now a deeper green and a brick red, on charts as well as numbers. The old green fell short of the contrast bar for small text on light backgrounds.
- Improved
transaction search suggestions show the merchant's logo and the category's own emoji instead of a placeholder, and the merchant you use most is listed first.
- Improved
typing an amount in the transaction search, such as 255.51, finds that charge. No $ or > needed in front.
- Fixed
a comma in a transaction search ("Kuhn, E") used to leave the list stuck on the previous results.
- Fixed
on the phone, the keyboard's Search key and tapping a suggestion now put the keyboard away so the results are visible.
- Fixed
the iOS keyboard follows the app's light or dark theme.
- Fixed
the donut on the Portfolio Breakdown and Diversification cards draws itself in again when you scroll to it. It had been snapping straight to the finished ring since the animation started waiting for the reader.
- New
the Income Sources Breakdown bar on the Retirement page wipes in from the left as you reach it, on the same timing as the donut beside it.
- Improved
the summary tiles under the Income & Spending trends chart carry numbers instead of verdicts: the typical month (a median), the last three months against it, income against the three months before, and the low to high range with both months named. All four count complete months only, so the month in progress no longer reads as a deficit before its paychecks land, which had hidden a surplus streak and called a rising income Stable. A strip of small squares under the first tile shows which months were ahead.
- Improved
on phones, the Cash and Runway switch on the Cash Balance card sits beside the date range above the chart, where the Net Worth chart keeps its controls, instead of below the chart.
- New
during the current month, the Budget table shows where each category is on pace to land by month end, beside what it has spent so far. A pace that clears the budget reads red, so a bill that has not hit yet shows up before the month closes. The Total row's pace is the same projection the summary card shows.
- Fixed
the 12-month Forecast view budgets each category the same way the Budget view does. A category whose sub-budgets added up to more than its own line used to forecast the smaller number, so the forecast's monthly total and its Net Surplus disagreed with the summary card above it.
- Improved
the Forecast view lists every category the Budget view lists, its Total row's month-end pace is the projection the summary card shows, the trailing-average hint appears once per row instead of under all eight future months, and its styling matches the rest of the page.
- Improved
the market sparklines on the dashboard draw themselves in from left to right when the page loads, the way the net worth chart and the rest of the app's charts already did. Switching the D / M / Y period draws them again.
- Improved
the Budget table groups Guide and Budget under a "Your plan" box, with Spent beside it and Remaining as the difference, the same layout as Spending Trends on your Financial Profile. The green and red fills that used to run across every row are gone. The Remaining column and a small "2 over" badge on each group now carry the verdict, so colour means something when it appears.
- Improved
sub-categories, merchants and guide suggestions open as indented rows in the same columns instead of a nested box, and a category still on its guide amount shows that number once, with a compass mark, instead of twice.
- Improved
the Budget page's table header uses the same Monthly and Annual toggle as the summary card above it, and the Guide button is a quieter pill at the same height instead of a solid violet button.
- Fixed
the Guide column's total counted spending that has no row in the table, so it read higher than its rows added up to. It also sat on the Income line, where it looked like a guide for income. It now lives on the Total row only.
- Improved
the Lifestyle group no longer borrows the Guide column's violet, so violet means Guide and nothing else on the Budget page.
- Improved
the Remaining tile on the Budget summary card stays neutral until you are over budget. The pace line under it already says whether the month is ahead or behind.
- Improved
- Improved
the Retirement Forecast says its balances are before taxes on withdrawals. The Peak figure now reads "before tax", the disclaimer explains that the Tax Buckets overlay pays those taxes year by year, and the guide covers the difference.
- Improved
with Tax Buckets on, real estate equity gets its own band under the buckets. It was in the forecast line but in no bucket, so the stacked areas met the line short by the value of your property and read as missing money.
- Fixed
Roth conversion figures on the Retirement Forecast (the Tax Buckets panel and each year's conversion in the chart) charged the whole conversion at your working-years rate. They now follow the tax brackets, so a conversion that starts low in the brackets pays 10% and 12% on its first dollars, which is the point of a conversion ladder.
- Fixed
for couples retiring in different years, the Monte Carlo bands kept counting the first retiree's contributions until the second retirement, so the median ran above the forecast line for life. Each partner's contributions now stop at that partner's retirement, as the forecast does.
- Improved
the forecast tooltip labels the years between a couple's two retirements as gap years instead of working years.
- Fixed
the sample household's FIRE and Retirement Planning cards loaded without its accounts. They now read the sample data the way a signed-in household's cards do.
- Fixed
the Cash Position Trend panel counted linking an account as money arriving, and linking a credit card as money draining. It compared today's balances across every account against a starting point that only covered the accounts you had back then. Each window is now measured across the accounts with history at both ends, and says how many that is. On the largest test household the 90-day figure moved from -$17,012 to +$899, because two cards linked in June were carrying almost the entire decline.
- Fixed
balance totals took the single most recent sync date and added up whatever landed on it, so an account that synced a day earlier counted as zero. Each account now uses its own most recent balance.
- Improved
when one category has been running high for months rather than spiking once, the Transactions insight panel now says so, instead of pointing at this month's biggest charge as though it explained a pattern.
- Fixed
the spending panel could still echo the category panel next to it when no single charge stood out. The two now report different things: the month's largest charge on one, the leading category on the other.
- Fixed
on the Retirement Forecast, the Tax Buckets overlay could climb well above the forecast line for couples retiring in different years. It kept counting the first retiree's contributions and drew none of their spending until the second retirement, and the part of a required minimum distribution that was not spent left the plan instead of staying in the taxable bucket. The overlay now follows the same timeline as the forecast, counts both partners' contributions (IRA, ESPP and additional savings included), and sits under the line only by the taxes the forecast does not model.
- Fixed
charts and panels on the Accounts page were reading a balance history that stopped months ago. The page loads at most 5,000 days of account balances, and it was loading the oldest ones, so a household with a few years of history across a dozen accounts silently lost everything recent. One household's copy ended in June 2025. It now loads the most recent days instead, which is the end everything on the page actually reads.
- New
the Liquid vs Not Liquid panel says how many months of spending your cash covers, against the commonly cited 3 to 6, and names the monthly spending figure it divided by. It used to quote a "10 to 20% of assets" range and never say where you sat in it. Share of assets was also the wrong measure: a paid-off house and a large retirement balance both make your cash look thin without consuming any of it.
- New
the net worth and Assets vs Liabilities panels show assets and debt per person, side by side. Joint accounts are split evenly, so the two rows always add up to the household, and accounts with nobody set as the owner are called out underneath, since those are the ones being split by default rather than because you said so.
- New
the Credit Card & Loan Debt panel says whether balances are being carried. It reads the lowest point your cards reached in each of the last six complete months, which is the part no payment cleared, and says whether that floor is rising, steady, or coming back to zero every month.
- Fixed
merchant logos keep being looked for after a first miss. A business whose logo was not online yet when Promi first checked, which is common for a new local shop, was marked as checked and never looked at again, so it stayed on an emoji for months even after its logo appeared. Those merchants are now rechecked every 30 days, and a batch of about 600 that had been stuck since the spring gets another look over the next day. Sites that use their web host's stock icon rather than their own are left on the emoji, so a restaurant cannot end up wearing Squarespace's logo.
- Fixed
a restaurant you order from through DoorDash no longer shows the DoorDash logo as its own. Six restaurants had picked up DoorDash's icon, five more were wearing the stock icon of the website builder their site runs on, and one had a menu service's generic fork-and-spoon. Those now show their category emoji until a real logo is found, and the app refuses to store a delivery service's or website builder's icon as a merchant's logo again.
- Improved
- Fixed
on Income & Spending, the savings rate showed the right percentage and then explained it with the wrong dollar figure. The percentage covers your last full months of history, while the shortfall printed beside it was measured over a shorter stretch, so the two never added up. Both now come from the same window, and the card shows expenses as a share of income and the net for that period alongside the rate.
- Improved
Runway now tells you when your last 30 days of spending ran hotter or cooler than your longer-run average, and what the same cash would cover at that average, and when card balances are large enough to matter it gives the figure net of them. One large purchase could previously pull runway into a lower band with nothing on screen saying why.
- Improved
the Cash Position Trend panel repeated its own first line at the end. It now brings in the 180-day window, so a dip over the last 90 days is not read as the whole story when the half year is still up.
- Improved
the closing line on several Explain panels restated what the panel had just said. Each one now carries a figure that is not already on the card, and the panels with no comparison left to draw simply stop.
- Fixed
the EPIM panel on the Financial Profile page said the same thing three times and got two things wrong. A finished profile was told that "0 remaining profile fields still need updating by hand". A household sitting exactly at the middle of its peer group was told it was below the median. The Peer Comparison view also ranked your income against a peer group that is chosen using that same income, so the ranking could only ever come back average; income is now named as what picks your comparison group rather than scored against it, and your assets are ranked instead.
- New
the Year-over-Year view now shows real numbers instead of describing itself. It compares spending over the same months of this year and last, never a part year against a whole one, and says which months it counted. When only one year of history exists, it says so rather than describing a trend it cannot see.
- Fixed
the savings rate in the Transactions insight panel counted transfers between your own accounts as income, which made it read as a positive number for households that were actually spending more than they earned. It now uses the same rule as the rest of the app, so it matches the average surplus shown beside it.
- Improved
the Transactions insight panels now name the charge behind an unusual month. When one transaction is most of a category's spending, it says which one instead of only telling you the category is up.
- Fixed
the spending panel compared your month against a six-month average while the tile next to it showed a twelve-month one, both labeled "Baseline". Both now show the same window, and the window is named.
- Fixed
the category panel skipped over uncategorized spending when ranking where your money went, so a smaller category could appear above a larger pile of unlabeled transactions. Uncategorized now takes its real place in the ranking.
- Fixed
the transaction frequency panel could report your average purchase had nearly doubled and still conclude with "frequency is steady". It now leads with whichever actually changed, and each figure says whether it counts purchases only or deposits too.
- Fixed
the Terms of Service was one unbroken wall of text. Paragraphs ran together, lists had no bullets, and the section headings looked the same as everything else. It now reads like a document, with a contents rail that follows you down the page, and it opens with a plain-language summary of what you are agreeing to.
- New
the Terms explain what happens when you subscribe inside the iPhone app. Apple bills that subscription, you cancel it in your Apple subscription settings rather than in Promi, and refunds go through Apple. The Terms also now cover introductory pricing and when it ends.
- Fixed
the Terms pointed you to the wrong place to download your data and named a file format we do not produce. Your export is a ZIP of CSV files, from Settings, Planning, Data Management.
- New
the Learn page now opens the guides themselves. Pick a topic on the left and the full guide appears beside it, the same one the app shows when you tap the question mark next to a number. 32 of them, from net worth and cash flow through withdrawal rates and peer comparison.
- Improved
every in-app guide was rewritten. The explanations now stick to how a number works and what moves it, rather than suggesting what to do about it, and each one carries the same note that this is education rather than advice. Several worked examples had arithmetic that did not add up, including a years-to-retirement table built on a different return rate than the one it named. Those are corrected.
- Fixed
the allocation donuts on Planning drew themselves while they were still below the screen, so by the time you scrolled down they had already finished. They now wait until you reach them, the way the charts above them already did.
- Fixed
the pricing page never mentioned the 14-day free trial, even though every plan has come with one and the FAQ, Help and Terms pages all said so. The button now says what you are actually starting, and nobody has to find the trial on another page to know it exists.
- Improved
the pricing page keeps the plan you picked. Choosing Annual and then signing up used to land you on a checkout that had reset to Monthly, so you chose twice. Your choice now carries through.
- Improved
pricing opens with what the same job costs elsewhere, priced out line by line, then one card holding everything you need to decide: the price, the trial, what is included, and answers to the questions people ask before they buy. The wall of feature tiles between the price and the button is gone.
- Improved
switching between Accounts, Transactions, Budgets and the other main tabs no longer waits on the server. Each tab is now prepared in the background shortly after the app opens, so tapping one shows it straight away instead of pausing first.
- Improved
the public pages (home, pricing, features, the writing section) are now served as ready-made pages rather than built fresh on each visit, so they appear faster for anyone who has not signed in yet.
- Fixed
on Income & Spending, the Where Your Money Goes flow chart cut off its category names when a range had no income yet. Early in the month the spending column moved to the left edge and its labels ran off the chart, so Shopping showed as a single letter. The labels now sit beside the column they belong to.
- Improved
the Budget Pulse and Recurring Income & Bills cards now appear with the rest of the dashboard instead of showing a placeholder while they fetched their own copy of data the page had already loaded.
- Fixed
your savings rate no longer swings wildly in the first days of a month. It used to divide what you had spent by whatever income had landed so far, so six days into September, before payday, the dashboard reported a savings rate of -5925% and expenses at 6025% of income. Every page now measures the rate the same way, over a full year of completed months, and says which window it used. Early in the month, before there is enough history, it shows no rate at all rather than a made-up one.
- Fixed
the dashboard no longer calls a month "cash-flow positive" when you spent more than came in. With no income visible yet, the rate fell back to zero, and zero read as a small positive.
- New
the net worth panel shows where your net worth sits against US households, with the percentile written out. The comparison uses public survey data, not other Promi users.
- New
the market panel shows the year so far next to the day and the past month, so a red session sits against the longer run.
- Improved
when the market panel cannot price enough of your portfolio to weigh the day's move properly, it now says so and gives the share it could price, instead of quietly switching to an estimate that looked the same.
- Fixed
every panel on the dashboard now says how much of the month it is describing. Your Financial Pulse, How's Your Cash Flow and FI Progress Check all reported money in and out for "this month" a week into it, which reads as a finished result. They say "7 days into September" instead, and cash flow is set against the same seven days of last month rather than the whole of it.
- Fixed
savings rate and expenses share no longer show impossible percentages early in the month. Both divide by the income received so far, so a few days in, with one payday landed and the rent already out, they could read "-5928%" and "6028% of income". They wait until enough of the month has happened to mean something. The cash flow total is unaffected.
- Improved
the Credit Card & Loan Debt panel on Accounts now uses your cards' real interest rates instead of assuming 21%. It shows the blended rate across the cards your bank reports one for, weighted by what you owe on each, and says how much of your balance that covers. Cards with no rate on file are named rather than quietly folded in at a guessed one.
- Improved
the Beginning, Change, Ending panel on Accounts says how long the change took and how fast it happened. On the All range it used to say "across all history on file", which told you less than the dates already printed on the chart. It now names the months, the average change per month, and, over a year or more, the compounded yearly rate, with a note that the rate covers what you saved as well as what the market did.
- Fixed
- New
the EPIM panel on the dashboard now draws your net cash flow month by month beside the analysis. A month that is only a few days old looks alarming on its own, and the bars put it next to the months around it. The current month is drawn faded, because it is only counted up to today.
- Improved
the market panel no longer talks only about today. It shows the day's estimated effect on your portfolio next to how the S&P 500 has moved over the past month and the past year, so a red day sits against the longer run instead of standing alone.
- Improved
the FI panel names the path you picked. It used to show a target in dollars with no indication of whether that figure was Lean, Fat, Barista or Coast, and each of those sets the number differently.
- Improved
cards line up. Every card on a page now starts its content at the same distance from the edge, on phones especially, where the gap used to range from 8 to 26 pixels depending on which card you were looking at. Most visible on Recurring Payments, Budgets, Retirement Planning, Financial Profile and Settings. The panels inside cards match now too, so a chart or a summary box no longer sits further in than the heading above it.
- Improved
each spending category now keeps one colour on the Category Breakdown card. Colours used to follow a row's position in the list, so a category changed colour whenever your spending reordered it, and switching the date range repainted the whole card. The colours are spaced further apart and the bars sit a little stronger, so neighbouring rows no longer blur into each other.
- New
the Pay Down page shows what your cards cost and when the next payment lands. Interest actually charged over the last six months, your total card balances, and a list of what is due and when, whether or not you carry a balance. Cards the bank has not sent a current due date for are named rather than left out.
- Fixed
the Pay Down page no longer shows a payoff date or an interest total built on numbers nobody entered. A card missing its interest rate or minimum payment used to get both filled in behind the scenes, then be projected out for years as if the figures were real. Those cards now say which detail they need, and the payoff plan covers only the debts with real numbers behind them.
- Fixed
the Pay Down plan no longer counts a card you clear every month as debt. Cards with no interest charges, or whose last payment covered the statement, move to a "Paid in full each cycle" list that shows the balance and the reason it was left out. The payoff date, interest total and chart now cover only what you actually carry. "Count as debt" puts a card back.
- Improved
the mortgage switch on Pay Down moved up beside the payoff strategy, next to the numbers it changes, and now says why your mortgage starts out excluded.
- Fixed
sending feedback with a screenshot attached now works. The screenshot was uploaded but the submission was rejected, so any report sent with the box ticked (the default) failed with an error.
- Improved
the Feedback window opens as soon as you click it. It used to wait for the screenshot to finish capturing first, which on a long page looked like the click had done nothing.
- Fixed
chart lines, axis labels and the purple of the Guide now brighten in dark mode whatever color theme you use. Brighter versions were defined for dark backgrounds but only ever applied on the Dark theme, so Slate, Ocean, Forest, Blush, Neutral, Sunset and Default drew light-mode colors on a dark canvas. The budget spending chart was reading the light colors in every theme, including Dark.
- Fixed
the hover boxes on account balance charts and the retirement scenario comparison now match the card they sit on. They were drawn on a hard black background that ignored your color theme, in both light and dark mode.
- Improved
chart hover boxes now read the same everywhere. They share one size, corner and spacing, and the label at the top is muted with the number below it emphasized, so the value you came for is what you see first.
- Fixed
the hover box on the budget spending chart now matches the rest of the app. It was painted on a hard black background in every theme, while every other chart's hover box takes the color of the card it sits on.
- Fixed
chart category colors now darken in dark mode. A darker set of slice colors was already defined for dark backgrounds but never reached the screen, so donuts and spending bars kept their light colors and glowed against dark cards. It reaches the Portfolio Breakdown, Money Flow, Spending Breakdown, FIRE and retirement income charts, on every color theme rather than only the Dark one.
- Fixed
the theme picker in Settings cut off the bottom of its list. Neutral and Dark Mode fell below the edge of the settings panel, with no way to scroll down to them.
- Improved
the Household Expenses breakdown on the FIRE page now draws in the same colors as the rest of the app's charts. It had been using its own set, including one color that changed when you switched your theme. The grey for Everything else also matches between the bar and its label now.
- Improved
every line and bar chart now draws in from left to right as you scroll to it, the reveal the investments and net worth charts already had. It reaches the Retirement Contributions chart, the monthly cash flow bars, the Spending Plan card and the account balance history, in card and expanded views alike. Charts further down a page wait their turn instead of animating before you get there. Switching a year or range replays it. Donut charts keep their own sweep. If your device is set to reduce motion, charts appear finished, as before.
- New
the Recurring Payments list now shows when each item last came through. A Last Paid column sits beside the frequency on the bills table, and Last Received on the income table, so a bill whose next date has already passed reads as overdue rather than as a mystery. The frequency header is spelled out instead of shortened to "Freq".
- Fixed
Monthly Bills no longer counts subscriptions that stopped charging. A detected bill that has gone more than a full cycle past its own schedule now drops out of the Monthly Bills, Monthly Income and Net figures, and out of the dashboard card, instead of padding them for weeks. It stays in the list marked "Not counted", with a line above the table saying how many were set aside, so nothing disappears quietly. Bills you added by hand are never affected, since those are your word rather than a detection.
- Improved
the EPIM analysis on your dashboard is now called what it is. It was labelled a daily brief while every number in it covered the month so far or longer, so it now carries the month's name, and it refreshes when your numbers move rather than on a clock.
- Improved
that analysis leads with its own figures. The category running over budget, the month's net, and what you have spent so far sit beside the text as tiles, in the space that used to be blank.
- New
hovering a line in the analysis lights up the card it came from, so "Spending" or "Cash flow" points at the card on the page behind it.
- Fixed
the dashboard analysis no longer reads a normal first week as a crisis. It compared what you have earned and spent so far this month against the whole of last month, so a few days in, before most of the month's pay had landed, it called an ordinary position a sharp reversal. It now lines up the same days on both sides: six days into September reads against the first six days of August, not against all 31.
- Fixed
the dashboard analysis no longer repeats itself. The short lines under the summary used to restate the sentences above them almost word for word, so two thirds of that block said nothing new. A line with nothing to add is left out instead.
- Improved
a new subscription has to be worth the mention before the dashboard analysis spends a line on it. An $11 a month charge could take a spot next to a $7,700 budget overage. Every recurring charge is still listed in full on the Recurring page.
- New
- Improved
Credit Cards is no longer flagged for review on the Reported vs Verified card. Card balances move with your statement cycle and everyday spending, so a profile estimate was never going to stay matched to one. The row now reads "Tracked", still shows today's balance with your typical balance under it, and no longer counts against the categories-aligned total.
- Improved
the app starts faster. The checks that run when you open it (your household, whether setup is complete, and your subscription) now happen in one step instead of four in a row, and the dashboard no longer pauses on a spinner to repeat two of them.
- Fixed
the Projected column in Spending Trends was reading low on nearly every category. It measured a three-month window but spread it across the whole year so far, so most rows projected less for the full year than the household had already spent, and the comparison against a typical household looked better than it was. Projections now count what you have spent and add a typical month for the time left, the same method the Budget page uses.
- Improved
every line and bar chart now draws in from left to right, the reveal the investments and net worth charts already had. It reaches the Retirement Contributions chart, the monthly cash flow bars, the Spending Plan card and the account balance history, in card and expanded views alike. Switching a year or range replays it. Donut charts keep their own sweep. If your device is set to reduce motion, charts appear finished, as before.
- Improved
the Portfolio Breakdown positions table shows one Holding column with a Name / Ticker switch in its header, on desktop and phone. Funds without a ticker keep their name in Ticker mode.
- Improved
the Retirement Forecast chart reads more cleanly. It drew eleven horizontal lines, the top two almost touching because the last one was wherever your plan happened to peak. It now draws the same handful of lines as every other chart in the app, on round numbers.
- Improved
the Spending Trends table on Financial Profile now says whose numbers are whose. A "Your household" box frames your Spent so far and Projected columns, Spent so far is tinted, and the typical-household column is labeled for what it is: a household of the same income, size and area. The last column is now "Projected vs typical", since that is what the arrows compare. The pace arrows inside the projected column are gone, so red and green mean one thing in the table.
- Improved
the donut charts now draw themselves in. Slices unfold clockwise and the ring settles into place over about a second, on the Portfolio Breakdown, Money Flow, and Spending Breakdown cards. Changing the owner or the institution filter redraws the new mix the same way. If your device is set to reduce motion, the chart appears finished, as before.
- Improved
the app now opens to your last-seen numbers right away and refreshes them in the background. Each page keeps a copy of its data on your device, so a cold open on a phone no longer waits on the network before showing anything. A small spinner in the header shows while the refresh runs, and the copy is cleared when you sign out.
- Improved
the Accounts page now groups your liabilities into Credit Cards and Loans, each with its own subtotal, matching the summary panel beside it. Cards and mortgages used to sit in one undivided list sorted by bank, with no subtotal to check the panel against.
- Improved
the group headers on the Accounts page (Liquid Assets, Illiquid Assets, Credit Cards, Loans) now carry the same icons as the summary panel beside them and sit with room above their tables, instead of a tinted strip pressed against the table's own header row.
- Improved
the accounts listed under a bank no longer have a gray line running down beside them. They are still indented under the bank, which is what showed the grouping anyway.
- Fixed
the Cash Balance and Financial Snapshot cards on the dashboard no longer open their page when you click anywhere on the card. Only the arrow in the corner navigates, the same as every other card, so selecting a range pill or reading a chart no longer whisks you away.
- New
each account under a bank on the Accounts page now carries its own icon. A co-branded card shows its partner's mark (the Amazon smile on a Prime Visa, Hyatt on a World of Hyatt card, Costco on a Costco Anywhere Visa) and every other account shows its bank's logo. The marks are shared across all households, so a card recognized once is recognized for everyone from then on.
- Improved
switching pages now fades through. The page you are leaving drops away and the new page's top cards rise in one after another, the way the public site's sections arrive, at a quicker tempo suited to a page you open many times a day. The reduced-motion setting turns it off.
- Improved
the Transactions calendar now slides between months. On desktop the two months move together as one strip, on a phone a swipe drags the month across, and the arrows sit still while the months pass underneath, dipping toward where they point as you press them. The arrows dim at the present month and at the start of the year of history the calendar holds, instead of disappearing.
- Fixed
the chart type buttons above the net worth chart now match the height of the time range buttons beside them. Icon-only buttons were rendering shorter than text buttons in every toggle group.
- Improved
the Retirement Forecast chart now shows where your plan ends. The line past the last life expectancy is dashed and unfilled, the axis is scaled to the plan rather than to those extra years, and the tooltip says when a point sits past the plan horizon. The ending balance in the header and the line on the chart no longer look like two different numbers.
- Fixed
the joint retirement forecast now ends when the later of the two lifetimes ends. It compared the two life expectancies as raw ages, so a younger partner with the same life expectancy had their last years cut from the plan, along with the tax, Monte Carlo, and backtest horizons.
- Fixed
on a phone, scrolling past the Retirement Forecast chart no longer changes the forecast. The chart's age markers stay draggable even while hidden, so a scroll that started near the right edge was quietly moving a life expectancy by a few years, and the ending balance with it. Hidden markers now ignore touches, and a vertical swipe on the chart scrolls the page.
- Fixed
on a phone, opening an account on the Accounts page no longer makes its recent transactions scroll sideways. One long description (a card payment, for example) was widening the whole table; names now cut off with an ellipsis and the amount stays in view.
- Improved
on a phone, the net worth chart now has the line, bar, and assets-vs-liabilities buttons at the top of the card, next to the time range. Your pick already followed you between devices, but there was no way to change it from the phone itself.
- New
a sign-in from a device you have never used before sends you an email naming the device, its rough location, and the time, so a stranger in your account is something you hear about while you can still act. Browser updates and new networks do not count as new devices, and the device you are on today is remembered quietly.
- Improved
the public changelog now dates every change. Entries sit under the day they shipped, newest first, instead of one long undated list per release.
- New
adding a loan or mortgage by hand asks for less and checks more. The original amount and start date fill in from your payment and balance, each with a note saying where it came from, and nothing you typed is ever replaced. If your payment looks like it includes taxes and insurance, or your balance sits off the scheduled path (extra principal payments look like this), the form says so instead of saving a wrong schedule.
- Fixed
amortization schedule and paydown-history dates were one day early in US timezones (a payment due Nov 1 showed as Oct 31).
- New
when Plaid, the service that links your bank accounts, reports a problem with its own systems, a notice at the top of the app says so and links to Plaid's status page, so a quiet day of stale balances is not mistaken for a Promi bug.
- Fixed
if account setup hiccups on your very first sign-in, you now land in onboarding, which finishes the setup, instead of on the sign-in page with an error and nowhere to go.
- Fixed
number fields no longer show the browser’s small up and down arrows. The large transaction alert amount in Settings had them, along with the budget, manual account, and profile amount fields.
- Improved
- New
the percentile tiles on the Peer and Local Benchmark card note how your standing moved since your previous benchmark snapshot ("up from Top 25% in Aug 2025") once there is one to compare against. Same label as before, no note.
- Fixed
changes to an iOS subscription made through Apple (turning auto-renew off or back on, a renewal, a failed payment, a refund) now reach your Promi account within minutes, so Settings, Billing shows the same state Apple does.
- Improved
brand-coloured text (links, active navigation, "View all" and the like) is now a deeper shade in the light themes and a lighter one in dark mode, so it meets the accessibility contrast standard on every theme. Buttons and other filled elements keep their colour.
- Fixed
the Tax Buckets projection on the Retirement tab now taxes retirement income. Social Security follows the federal provisional-income rules (up to 85% of benefits taxable, depending on your other income that year), pension and other income count as ordinary income, and withdrawals from pre-tax accounts are taxed at a rate worked out each year from the federal brackets on that year's income, instead of the rate you pay while working. For most households that means less tax on modest withdrawals and more on large required minimum distributions. Eight states that still tax benefits (Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont) apply their published thresholds; everywhere else benefits are state-exempt.
- Fixed
the 72(t) early-withdrawal estimates on the Retirement tab now use the full IRS Single Life Table (ages in the 30s and 40s were being computed on a 30-year life), and the fixed annuitization method is a real mortality-based annuity factor instead of a copy of the amortization figure. Roth conversion room now accounts for the standard deduction, and the penalty-free wait on converted money is the shorter of five years and reaching 59 and a half, not the longer.
- Fixed
California households: the take-home and tax estimates now use the 2025 state standard deduction ($5,706 single, $11,412 joint), which had lagged a year behind the federal figures.
- New
Deleting your account now also removes each bank connection at Plaid, not only from Promi. The privacy policy has a new Backups After Deletion section stating that deleted data leaves every backup within 30 days.
- New
a security email whenever your password changes. It goes only to the person whose password changed, arrives within a few minutes, and says what to do if it was not you. Creating your password for the first time at signup does not trigger it.
- Improved
The Tax Buckets view and the historical backtest on the Retirement tab now follow the Withdrawal policy too, so all four projections draw the same way once you pick Fixed rate, Guardrails or Variable by age. In Tax Buckets a policy draw is the gross amount, with tax paid out of it.
- Improved
Investment and retirement rows in the accounts list are now labelled from the account's actual subtype, so a 401(k), 403(b), 457(b), IRA, Roth IRA or brokerage account reads as such instead of the app guessing from its name.
- Fixed
The Accounts summary now lists what you owe the way it lists what you own: Credit Cards and Loans as groups, with the kinds underneath, such as mortgage, home equity line, auto loan and student loan. In the accounts list each loan and card row shows its kind too, so a mortgage reads Mortgage rather than Loan. A home equity line no longer counts as mortgage debt in the Financial Snapshot.
- New
A public changelog at promifinance.com/changelog. It is this file, rendered as a dated timeline: what is live on the web now at the top, then each iOS and Android release, with a New, Improved or Fixed label on every entry. The footer links to it.
- New
The retirement forecast can now follow your withdrawal rate. A new Withdrawal policy setting in Investment Assumptions decides what the chart draws each year: what you need (the default, unchanged), a fixed rate of the portfolio at retirement (the 4% rule), Guyton-Klinger guardrails, or a variable rate by age. The footnote under the forecast says which one is in force, and the Monte Carlo view follows the same policy.
- New
- Improved
If you entered a mortgage during setup but never added it as an account, the Accounts page now says so, explains why your net worth reads higher there than in the Financial Snapshot, and offers to add it with the balance you gave already filled in. The notice goes away once a mortgage account exists, and Not now keeps it away unless the declared balance changes.
- Improved
Property values you type in now stay put. Editing a real estate account's value turns off the monthly automatic estimate for that property, and a switch on the same form turns it back on. Before this, a hand-entered value was replaced by the next monthly estimate without any notice.
- Fixed
The month-end spending projection is rebuilt. It used to take what you had spent so far, divide by the day of the month, and multiply out, which turned a mortgage paid on the 1st into thirty mortgages and, on the Budgets chart, let a pending charge inflate a $20,690 plan into a $129,000 forecast. It now takes what you have actually spent and adds what a typical month still spends over the remaining days, phased from your own last three months so a bill that always lands mid-month is expected mid-month, not spread evenly. Pending charges never enter the projection. The same figure now appears on the Budgets page, its EPIM Spending Pace view, the dashboard Spending Plan and Budget Pulse cards, and the Forecast view's per-category pace, so they cannot disagree. The line is labelled "Typical pace" until three months of history exist, and does not appear at all without any.
- Fixed
The dashboard's "How's Your Cash Flow?" explainer now says how many full months in a row have finished in surplus or deficit, and names any recurring charge that first appeared in the last 90 days with its monthly amount. The Daily Brief can cite both. The streak counts only completed months, so the current month never inflates it.
- Fixed
Charts no longer flash the wrong theme's colours for a moment on first load. Every chart card was drawing its first frame with the dark palette before switching to your actual theme; the first frame now waits for the theme it should use.
- Improved
Tax estimates now use 2025 figures: federal brackets, the standard deduction ($31,500 joint, $15,750 single), the $2,200 child tax credit and the $176,100 Social Security wage base. California disability insurance is corrected to 1.2% on all wages; the app had been applying an old rate with a wage cap that was abolished in 2024. The Roth conversion "room in the bracket" figures also use the correct 2025 edges for married filers.
- Fixed
Historical backtests no longer include a placeholder 2025 market year. The series ends at 2024 until the actual 2025 figures are added from a source.
- Improved
Barista FIRE now uses your own part-time income. Open the Barista path on the FIRE page and set how much you expect to earn per year; the target, the projection chart and the passive-income crossover all use that figure instead of assuming you will cover exactly half of your spending. Leave it blank to keep the half-of-spending default.
- Improved
The EPIM Daily Brief is back on the dashboard. It was switched off on August 30 while its checks were rejecting most of what the model wrote for reasons on our side; those are fixed, and a brief that still fails a check quietly leaves the standard panel in place.
- Fixed
The retirement forecast's footnote no longer implies the withdrawal rate shapes the balance projection. It sets the retirement income figures; the projection uses the return assumption. The wording now says so.
- Improved
On Transactions, when you filter to one person, the EPIM panel notes that its figures still cover the whole household while the list below is filtered. Previously the household totals sat under a person's name with no explanation.
- Improved
Editing the FIRE Target now keeps the number you typed. When a pre-65 healthcare cost was part of your plan, the target you entered was being converted to expenses and the healthcare amount added back on top, so the tile showed a higher figure than the one you had just set.
- Fixed
FIRE page settings (expenses, withdrawal rate, healthcare cost) now save for households that had never opened the Retirement tab. Those saves used to be dropped silently because no retirement plan row existed yet; the plan is now created on the first save.
- Fixed
On Transactions, the calendar and its monthly figures now follow the household filter the same way the list below them does. Picking a person used to filter the list while the calendar kept showing the whole household, so the two halves of the page described different money.
- Improved
The dashboard's Spending Plan and Budget Pulse cards now show the same budgeted total as the Budgets page. The page counts guide estimates for categories you have not set a budget on and uses the larger of a category's own amount and its sub-budgets; the dashboard cards were summing only saved rows, so the two screens disagreed on how much was budgeted for the same month. All four places that computed this figure now share one calculation.
- Improved
The Recurring tab's Monthly Income figure now converts each income stream to a monthly amount before adding it up, the same way Monthly Bills already did. A biweekly paycheck was being counted once a month, so the income and Net figures were understated for anyone not paid monthly.
- Fixed
The household filter (All, Joint, and each person) now appears only on pages that use it. It was showing on every page, including Income & Spending, the Budgets tab, and the FIRE tab, where picking a person changed nothing on screen and looked broken. Your selection is kept for the pages that do support it.
- New
The EPIM explainer bar now covers the Goals and Recurring tabs. Goals gets Goal Progress (saved, target, funded percent, closest and furthest goal) and Time to Goal (months to each goal at its contribution, and which goals are behind their own target dates). Recurring gets Recurring Load (monthly and yearly bills, the largest one), Next 30 Days (bills expected soon and their total), and New and Changed (price moves against each bill's average and newly detected merchants). All three are computed on your device with no AI call.
- Improved
The FIRE path charts now draw a five-year projection when your portfolio has already reached the selected target, instead of a single empty point. The passive income chart also stops marking a crossover year for a portfolio that is already covered today.
- Fixed
The FIRE page no longer goes blank once your portfolio reaches the selected target. The Future section now says the target is met, shows what withdrawals at your rate cover today, and the passive income card shows "Now" for the crossover. If the projection never reaches the target (for example when everyone in the household is marked retired), the section says so instead of showing nothing. The dashboard's FI card reads "Now" instead of "0.0 yrs" in the same case.
- Improved
- Fixed
Transactions can no longer silently vanish when a bank feed misbehaves. Some banks occasionally retract real, posted transactions after delivering them; Promi now keeps those transactions visible and flags the retraction for review instead of hiding your spending. A new daily check also compares each account's balance movement against its delivered transactions, so a feed that quietly stops sending part of your activity gets caught within days instead of months.
- Fixed
- Fixed
The Net Savings label on the Where Your Money Goes flow chart shows its icon again instead of a run of stray characters. The icon had been stored in a broken form since the end of July, so it appeared garbled for anyone whose income exceeded their spending in the period on screen.
- Improved
Accent colour is back on links, icons and status pills across the app. A styling rule was overriding the brand colour with ordinary text colour everywhere it was used, which is why some links only turned blue when you hovered them.
- Improved
Peer comparison bars on your profile now show where you sit. The "you" marker was missing from every bar in Peer view, and the peer percentiles the profile summary quotes were never filled in, so those lines never appeared at all.
- Improved
The investing card's 5Y view now says the chart covers the last 2 years. The return figures beside it are a true five-year number, but value history does not reach back that far, and nothing said so.
- Fixed
- Fixed
Dark mode no longer draws a faint white outline around the EPIM bar. The outline colour was never defined, so the app fell back to a pale default that only stood out against a dark background. The same cause is fixed on the year-comparison control and the billing page.
- Improved
Background shading is back on guide panels, several modals, and parts of the profile and settings screens. Those panels were meant to sit on a subtle grey and had gone transparent after an earlier colour cleanup.
- Improved
The EPIM progress bar now fills in while an analysis runs, accent stripes show again on expanded account rows and in the withdrawal-rate guide, and links on the billing page are brand coloured rather than plain text.
- Fixed
Pages start loading sooner after you open the app. The startup check that confirms your account was hiding the rest of the app while it ran, so nothing could begin loading until it finished. It now runs behind the loading screen instead of in front of it. The loading screen itself looks and behaves the same.
- Fixed
Swiping between pages no longer overshoots. The app stopped accepting a second swipe for a fixed moment after the first, which was shorter than a page actually takes to open. Swiping again while you waited could carry you past the page you wanted. It now waits for the page to arrive, so a swipe onto an already-loaded page is also accepted sooner than before.
- Improved
If your device is set to reduce motion, Promi now honours it everywhere rather than on a handful of screens. Animations and transitions stop; nothing else changes.
- Improved
Investment charts open faster. The app was pulling five years of price history from the market data provider on every load, for every fund. Those prices stop changing once a trading day closes, so they are now kept after the first fetch and reused. If the provider is unreachable the charts fall back to the stored prices instead of going blank.
- Improved
Moving between pages is quicker. Every saved setting a page loaded was re-checking your sign-in with the server first, so a page holding a dozen of them opened a dozen round trips before it showed you anything. That check now happens once and is shared.
- Fixed
Retirement Planning has a real analysis now. The panel only ever talked about projected income against your goal, ignoring the forecast chart that fills the page. It now reads that forecast and leads with the answer: whether the money lasts, and what is left at the end. For couples it names both retirements with the balance projected at each, and it gives each of you your own age at every milestone instead of quoting one person's. Four views sit behind the Explain menu: Plan Outlook, Timeline and Milestones, an Assumptions Check that shows your return before and after inflation next to the yearly growth pace they imply, and a plain reading of the Monte Carlo result once you run it.
- Fixed
The retirement analysis no longer reports "No explainer found for this target." Moving between Portfolio and Retirement Planning left the panel still looking for the page you came from. It switches with you now.
- Improved
The Investing analysis stopped saying 0% cash when there was cash. A small cash balance inside an investment account rounded down to nothing while the summary still counted it as an asset class, so the panel disagreed with itself. Slices under one percent now read as "<1%", and the panel says plainly that it means cash held inside investment accounts, since your checking and savings balances sit on the Accounts page.
- Fixed
The EPIM Daily Brief and EPIM Explain (deeper) are switched off for now. The brief was written fresh each time from your own numbers, and every number in it had to be checked against your data before it could appear. That check was rejecting it more often than not, so the brief showed up on some dashboard visits and not others. It stays off until that is fixed. The instant EPIM analysis is unchanged, and it is what you were already seeing on the visits where no brief appeared.
- Fixed
The offline screen could get stuck. If the app decided you had no connection when you did, the Try Again button checked the same faulty signal that put the screen up, so it did nothing and the app stayed blocked until you force quit it. Try Again now tests the connection for real, and the app no longer mistakes a working connection for a dead one at launch.
- Improved
Founder's writing has moved to its own Blog section in the main menu, instead of sitting inside Learn. Old links still work.
- New
Financial Terms has been rebuilt. Every term now has its own page with a worked example, the 74 definitions have been rewritten in plainer language, and there is a search box for finding one quickly.
- Improved
The Learn page now opens the real in-app guides directly, and lists the FIRE and investing guides that were previously reachable only from the footer.
- Improved
Blog posts render properly again. Headings, lists, links and quotes in a post were being shown as unstyled text.
- Improved
The transactions calendar stops counting pending charges as money already spent. Its Spending figure and savings rate now match the rest of the app, and whatever is still pending gets its own line beside them.
- Fixed
The EPIM panel and the Market Overview now slide open on phones. Both used to appear instantly with no motion. They rise from the bottom of the screen now, and slide back down when you close them.
- Improved
The comparison bars on your financial profile (Income, Assets, Debt, Net Worth) now use the same colors as the portfolio wheel on Investing. They had their own separate palette, so the two views disagreed about what color a category was.
- Fixed
- Fixed
Switching between light and dark mode no longer empties the EPIM analysis. On Retirement Planning and the Spending Plan, changing the theme wiped the numbers the panel was reading and it fell back to "this fills in once the forecast loads", staying that way until you left the page and came back. The analysis now survives a theme change.
- Fixed
The dashboard analysis reads better and gets its edge cases right. A household with no debt was told its assets outweighed debt by two million times over; it now simply says there is no debt on file. A down market day is no longer described as flat while a five-figure loss sits in the tile above it. The retirement view no longer claims your timeline is on track when it cannot know that, and it recognizes a target you have already reached. A household saving 11% is no longer given the same nudge as one saving nothing, and the wording throughout is plainer.
- Improved
The scenario button on the retirement forecast had a stray light border in dark mode. It now picks up the color of the scenario it belongs to.
- Fixed
The savings rate on Income & Spending was wrong, and badly. A household keeping 86% of what came in was shown 1%, with a caution flag beside it and a note that small changes add up. It now reads the real figure, and the tile only turns amber when the rate actually warrants it.
- Fixed
Spending totals agree with each other now. Pending charges are no longer counted as money already spent on Transactions, the Spending Plan, or Income & Spending, which is how the dashboard has always counted them. Whatever is still pending gets named separately, so nothing drops out of the total unexplained.
- Improved
"Where Your Money Goes" uses your categories. The Transactions breakdown was grouping by the raw category your bank sends, so corrections you had made were ignored and money filed under Other could not show up at all. It now reads the same categories as the rest of the app.
- Fixed
Investment growth separates the market from your own deposits. The Investing panel used to call the change in your balance "growth", counting every contribution as though the market had earned it. It now reports what your holdings actually returned over the past year, sets the S&P 500 over that same window beside it, and shows the balance change separately with the dates it covers.
- Improved
Retirement's Contribution Check works. It said "No annual contributions on file" for everyone, no matter what the plan held. It now shows what you and your employer put in each year, the years remaining, and what that adds up to before any growth.
- Improved
The Spending Plan looks back a month. Budget Pulse says where you stood at the same day of the previous month, and when a category runs past its limit it names the merchant behind most of it.
- Fixed
Panels say when they do not know. Across Accounts, Investing, Retirement and Financial Profile, views that used to show zeros or an empty frame now state what is missing instead. Financial Profile also marks which figures came from your linked accounts and which you entered yourself, since income is always yours to enter.
- Fixed
- Fixed
The EPIM panel got a visual pass. On desktop the metric tiles now stack in a compact column on the left with the analysis starting right beside them, so the panel reads like a stat rail plus a paragraph instead of two full-width layers; each tile carries the same tinted icons the accounts page uses (a blue droplet for cash flow, a teal piggy bank for savings, an amber timer for runway). The headline sentence reads a step heavier than its supporting bullets, text no longer stretches across ultrawide screens, the takeaway sits in a quiet chip instead of blue italics, and data notes carry a small info marker so caveats read as caveats. On phones everything stacks as before.
- Fixed
The Spending Plan badge stopped grading on a curve. It used to read On Track whenever the total looked fine, even with a category at five times its budget. A blown category now shows as "N Over Budget", a hot total reads Over Pace, and the category counts in the header always add up.
- Fixed
Recurring Bills got honest about direction. Reward redemptions that post with a flipped sign (a quirk of some account types) no longer appear as bills, refunds are excluded from bill detection, and bills whose bank descriptor looks like a transfer are no longer invisible to detection.
- Fixed
The net worth chart no longer mislabels itself on a fresh device: if your saved range is a year, the chart fetches a year instead of dressing 30 days up in a 1Y label.
- Improved
EPIM now measures your market day instead of guessing it. The Market Impact view weights the last session across your actual holdings (with how much of the portfolio that covers), and the net worth view names what moved the number: investments, real estate, cash, and debt, each with its dollar contribution over your selected chart range, plus your portfolio against the S&P 500 over the same window.
- Improved
The household filter now carries into EPIM. Pick a person and the analysis covers their accounts plus joint ones, says so explicitly, and never mixes in the other partner's numbers.
- Improved
The dashboard's EPIM analysis now surfaces what the cards don't say. When a budget category blows past its limit, the analysis names the cause: one outsized purchase (with the merchant and amount) reads differently from a third consecutive month over, and the panel now tells you which one it is. Cash flow gets a last-month comparison line, and when a retirement plan exists your savings rate now counts plan 401(k) and RSU savings the bank never shows, with the bank-only figure alongside. Data problems (a pile of uncategorized spending, pending charges) appear as separate labeled data notes instead of masquerading as insights.
- Improved
The dashboard's EPIM analysis now tells the truth. Market Impact had shown 0.0% for every index since March; it now reports the last real trading session, labeled with its date, and says plainly when no session data has loaded. FI Progress read "No FI target set yet" even with a fully configured retirement plan; it now reads the same target, progress, and timeline as the FI Journey card. The net worth change now names its window ("over the past year") and always matches the range selected on the chart.
- Improved
One spending number everywhere. The Spending Plan card, Budget Pulse, and the EPIM analysis each counted August differently (one hid $5K of uncategorized spending, another mixed in pending charges). All three now count the same thing: posted spending across every category, with pending charges shown separately as their own labeled amount.
- Improved
Savings rate is now labeled honestly. It is computed from visible bank activity, which can't see 401(k) deferrals or RSU vesting, so it now says so instead of presenting itself as your full savings rate.
- Fixed
- Fixed
Per-person views now add up. Picking one household member used to show numbers that couldn't be reconciled with the household view: joint accounts counted fully for both people on some pages and disappeared entirely on others. Joint accounts now count half toward each partner everywhere: the net worth chart and its history, retirement forecast and tax buckets, the financial profile, and portfolio views. You can also tag who owns each account right on the retirement plan's Assets and Liabilities panel.
- Fixed
- Improved
Promi has a real typeface now. Every page previously rendered in whatever font your device shipped with. The app now loads its own type: DM Sans for text, IBM Plex Mono for figures, and an editorial serif on the website's headlines.
- Fixed
Recurring Payments no longer mistakes favorite spots for bills. A sandwich shop you hit three weeks running, a coffee habit, a quarterly dinner at the same restaurant. These all looked like subscriptions to the detector. Bills now exclude restaurants, coffee shops, and salon visits, while real recurring charges (utilities, gym, payment plans, actual meal-kit subscriptions) are unaffected.
- Fixed
Investment and loan balances now refresh within minutes of your bank reporting changes, instead of waiting for the overnight sync. (A permissions issue had been silently blocking these real-time updates.)
- Improved
- Improved
EPIM results are now visual. Headline numbers appear as small color-coded tiles (green for healthy, amber for worth-watching, red for negative), a colored edge on each analysis shows its overall read at a glance, and gains/losses in the text are tinted. On a genuinely bad day EPIM also drops the joke. Humor steps aside when the numbers are serious.
- New
EPIM now covers your Spending Plan. The Budgets tab has its own analysis: budget pulse, spending pace against the calendar, category status, and how much of your income is allocated, plus deeper AI answers to "Am I on budget?" and "How do I compare to peers?".
- Improved
Retired some long-dead screens (Reports, Advice, and a duplicate Recurring page). The dashboard's Recurring card now opens Spending Plan → Recurring Payments, which is where that content has actually lived.
- Improved
The Financial Literacy setting now shapes EPIM's deeper AI answers too, not just the quick ones. Turn it on and EPIM explains the terms it uses and adds a short teaching note; turn it off and it stays brief and assumes you know them.
- New
Retirement Planning has its own EPIM analysis. It opens with a timeline from your age today to retirement, and if you're planning as a couple, both retirement dates appear on it, so a staggered plan is finally visible at a glance. Alongside it: projected income vs your goal, where that income comes from, and a contribution check, plus deeper AI answers on whether you're saving enough, when you could retire, and your income gap.
- Improved
- Fixed
The notifications bell is rebuilt. Anything needing action, like a bank that has stopped sending transactions, is pinned to the top under "Needs attention", so it no longer sits at the same weight as a routine payment notice. Every notification now shows the bank or merchant's logo, and tapping one takes you where it belongs: the connection to fix, the budget, or the exact transaction.
- Improved
Far fewer large transaction alerts. The same charge could previously be announced several times over if your bank re-sent it, and money *arriving* could trigger a "large transaction" alert. Each transaction now alerts once, and only for money leaving your accounts.
- Improved
Notifications older than 90 days now clear themselves out.
- New
You can now set the amount that counts as a "large transaction" in Settings → Notifications. It was fixed at $500 for everyone, which is noisy if you spend in large amounts and silent if you don't. Your emails follow your own amount; the in-app list is shared with your household, so it uses the lowest amount anyone has set.
- Improved
EPIM Deep Dive answers now match what you clicked. Several menu items ("Full EPIM Daily Analysis", "Peer Cohort Deep Dive", "Retirement Readiness Check", "Spending Deep Dive") fell back to a generic overview without saying so; each now runs its own analysis.
- Fixed
EPIM respects your Humor Mode setting everywhere. Deep Dive answers used to ignore it: the transactions analysis would roast your spending even with humor turned off.
- Improved
EPIM spending answers refresh daily instead of weekly, and refresh automatically when your numbers move meaningfully.
- Fixed
EPIM's "hover to highlight" dots now light up the matching card on the dashboard and transactions pages; several targets were silently broken.
- Improved
The main answer in an EPIM Deep Dive now leads the response instead of being tucked at the bottom in italics.
- Improved
EPIM is now on your phone. A one-line insight chip sits under the page title with the headline finding for that page. Tap it for the full analysis and the Explain menu in a bottom sheet. EPIM was previously desktop-only.
- Improved
EPIM remembers. When you come back after a day or more, the chip leads with what changed since your last visit ("Net worth +$2,140 since Friday") instead of restating the page.
- Improved
EPIM speaks up when something warrants it. A small orange dot and a headline swap flag things like spending running over income, a category at twice its usual pace, or cash runway dropping under 3 months. Quiet days stay quiet.
- Fixed
EPIM Deep Dives now know the world outside your accounts. Answers weave in your peer cohort (where you stand vs similar households) and current economic conditions: real mortgage and credit card rates, and inflation, so EPIM can tell you whether rising spending is prices or habits.
- New
You can now rate any EPIM analysis with a thumbs up or down. Your votes shape which explainers we invest in.
- Improved
EPIM got a lot more concise. Every instant analysis now leads with the answer and keeps to a few short, number-first lines instead of paragraphs. Wit now respects your Humor Mode setting everywhere (off means genuinely off), and educational asides appear only when Financial Literacy is on. The same concept (savings rate, debt ratio, runway) now reads identically on every page instead of three slightly different ways.
- Fixed
- Improved
Promi now tells you when a bank stops sending new transactions. Previously a connection could look healthy (balances still updating, "Connected" on screen) while no new activity had arrived for weeks. You'll now get an email and an in-app alert, and the account shows an amber dot instead of green.
- New
Connected Accounts now shows when each bank last delivered a new transaction, not just when Promi last checked in.
- Improved
Email alerts when a bank signs Promi out and the connection needs reconnecting.
- Improved
Budget alerts: email and in-app notice when a spending category reaches 80% and 100% of its monthly budget.
- Improved
Large transaction alerts over $500 now arrive by email as well as in-app, and respect the Large Transactions setting.
- Improved
Billing emails for a declined payment and for subscription cancellation.
- Improved
Investment holdings now refresh every day instead of every other day.
- Improved
Jul 2026
3 changes
Version 1.2.1 for iOS
build 46, July 2, 2026
Note: a local "build 44" (2026-06-29) was tagged in this changelog but never uploaded to App Store Connect. Its new-icon change was reverted by request: the stacked Pro/mi icon stays. Build 45 (new icon) was uploaded but pulled from review; build 46 supersedes it.
- Improved
The app now stays in portrait orientation on iPhone.
- Improved
- Fixed
Cash flow: the "Where Your Money Goes" chart now draws your income → savings flow even before any spending posts. Early in the month it no longer claimed there was no data while the summary showed income.
- Improved
Cash flow: if the current month has no activity yet, the view starts on the last 30 days with a note, instead of an empty chart.
- Fixed
Jun 2026
2 changes
Version 1.2.2 for Android
versionCode 10, June 29, 2026
Note: versionCode 10 was bumped in the repo (commit
ebc5a9be) on 2026-06-29 but not uploaded to Play until 2026-09-22, and then to the internal testing track only. Closed testing (alpha) still serves versionCode 9, so most Android testers do not have the icon change below yet. The build was made from main on 2026-09-22, so it also carries the shared-transaction-link intent filter listed under Unreleased.- New
New app icon. Replaces the previous flame placeholder with the Promi pill wordmark, the same identity you see in-app and in your inbox. Brand assets now derive from a single canonical SVG; no more drift between surfaces.
- New
- Fixed
Onboarding: Continue button no longer hides behind the household profile card on smaller phones. Tap the profile card title to collapse it for more form room.
- Fixed
Jun 2026
3 changes
Version 1.2 for iOS
build 43, June 21, 2026
- Improved
First public release on the US App Store.
- Improved
14-day free trial via Apple Introductory Offer on monthly and annual plans.
- Improved
Sign in with Apple, link bank accounts via Plaid, AI-categorized spending, peer benchmarks, retirement (FIRE) planning.
- Improved
May 2026
2 changes
Version 1.2.2 for Android
versionCode 9, May 15, 2026
- Improved
Closed alpha track release.
- Fixed
Adds
largeHeap+ ProGuard keep rules to fix release-build crashes.
- Improved
May 2026
1 change
Version 1.2 for Android
versionCode 7, May 12, 2026
- Improved
Play Store update bump.
- Improved
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