• Your balance now carries over from month to month — income from earlier months counts.
• Home shows three numbers: Balance, Spending this month, Still to pay.
• 3 Months and Year views use simple boxes instead of charts.
• Clear, plain-English warnings and a "Mark all overdue as paid" button.
• History shows planned payments for the next 3 months, plus each month's income and spending.
• Add, rename and delete your own categories.