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What’s new

Product updates and improvements to Junipy.

  1. Goals on Insights, and Simulate on Cash Flow

    v0.84.33

    Aug 25, 2026

    • Goals now live on Insights. Every goal is a card with your progress.
    • Simulate: try an expense before you commit to it.

    Goals now live on Insights. Every goal is a card with your progress and an honest pace line — "On pace for Jun 2027," or exactly what per month would get you there. Drag to rank what matters most (the order is your priority), hide what you're not focused on, and add a new goal in seconds with a three-step composer that sanity-checks your plan against your real monthly surplus. On your phone, goals are glanceable rows — the ring around each icon shows progress, amber means drifting, dashed means not set up yet. Buckets that feed a goal now wear its badge and pace. Simulate: try an expense before you commit to it. On Cash Flow, tap Simulate and drag two sliders — an amount and a date — to watch how a purchase would ripple through your projected balances, on your real numbers. The chart holds steady while you explore, so you're comparing outcomes, not chasing a moving frame. Like what you see? Plan now drops you into a new Planned Expense with the amount and date already filled in. (It also picks up your goals: if one is running behind, Cash Flow can suggest the exact top-up and seed the simulation for you.) Also in this release: a fix for households using both Personal and Business modes that couldn't save goal changes, a cleaner full-screen Cash Flow chart, and accessibility improvements throughout — everything works by keyboard and screen reader, on desktop and phone, in light and dark.

  2. Cash Flow and Planned — two pages you use every day have clearer names.

    v0.84.28

    Aug 20, 2026

    • The page you land on after signing in is now called Cash Flow, and Scheduled is now Planned

    What changed - Cash Flow — the old Dashboard. Same page, clearer name. - Planned — the old Scheduled page. The chart on it is now called Planned Spend. - Adding an item is now one tap shorter. Instead of one "Add" button that made you set the direction afterwards, there are two: + Planned Expense and + Planned Income. Pick one and the form opens already set. You can still flip it inside the form if you change your mind. - Credit cards read "Planned · $450" or "Not planned" where they used to say Scheduled. - Your old links still work. Bookmarks, links in emails we've already sent, and links in your notifications all forward to the right page automatically, with anything you'd clicked through to still in place. Search still finds both pages under their old names, so muscle memory keeps working. Also in this release - Fixed a rare crash in the ⌘K search shortcut that could trigger from password managers or autofill. - The "See your budget" link in one notification now goes to Buckets, where your budget actually lives. - The Amount field when adding a planned item is now properly labelled for screen readers. - The in-app guides were updated to match the new names.

  3. Credit cards, from charge to statement

    v0.69.9

    Jul 15, 2026

    • See every card charge — not just the payment — right alongside your cash.
    • Redesigned emails, cash-flow alerts that match your timeline, and dozens of fixes.

    - **Every card charge, in one place.** Transactions now shows cards and cash together with a Cards / Cash toggle — and you can tag a charge to a bucket for tracking without it double-counting. - **Payments that reconcile themselves.** Junipy matches each card payment to the right card and statement — confirm it, undo in one tap if it's off, and get suggestions for which payment settles which balance. - **Your cards on the cashflow timeline.** Each card's statement-close and payment-due dates now show on your timeline, with a clear read on whether your checking will cover the payment. - **Business cards, done right.** Interest and fees on a business card are recognized automatically, keeping your Profit & Loss and Schedule-C figures accurate. - **Emails worth opening.** A cleaner, branded look with proper dark mode, and a weekly digest that leads with what's safe to spend. - **Sharper alerts, and lots of fixes.** Your cash-flow "crunch" alerts now stay in step with your timeline, plus more accurate credit and goal insights — and smaller refinements like renaming a card right on the card and keeping your place when you load more of the timeline.

  4. Credit & Loans, reimagined

    v0.62.0

    Jul 1, 2026

    • A ground-up redesign of your Credit & Loans page.
    • Smarter, self-updating credit-card payments.
    • Less clutter, more clarity, and everything you need to manage a card right where you see it.

    - A calmer Credit & Loans page.** Rebuilt for clarity: what's coming in the next four weeks at a glance, your whole portfolio in one slim header, and tap any card for the full detail — no more stacked, competing numbers. - Manage each card's payment on the card.** Set your next payment, or adjust it just for this month, right where you see it — and watch it flow straight into your cashflow timeline. No hopping between tabs. - See exactly when it's due.** Each card now shows "Scheduled for {date}" next to its next payment. - Statement payments that keep themselves current.** Schedule a card payment that automatically tracks your latest statement — reflected everywhere: your timeline, your scheduled cashflow, and your list. - "Will my checking cover this?"** A clearer payment-coverage read, now measured against the actual payment — accurate even when you're carrying a balance. - A findable payoff plan.** Open the Payoff plan to see how to clear a balance faster. - Minimum-payment reality check.** See how long — and how much — paying only the minimum really costs, per card and across all your cards. Dismiss it once you've got it. - Statement-posted alerts.** Get a heads-up when a new statement posts. - Sharper everywhere.** Accessibility and contrast improvements across light and dark mode, and a restyled Loans view to match.

  5. Insights for Scheduled view and Mobile nav for Learn

    v0.60.0

    Jun 29, 2026

    • A new cash-flow snapshot on the Scheduled tab.
    • Drop-down menus now sort alphabetically.
    • Fixed: reusing a deleted bucket's name.
    • Fixed: Credit-utilization and insight accuracy.
    • Plus accessibility and contrast polish in a few spots.
    • Mobile Learn nav added.

    At the top of Scheduled, you'll now see your scheduled money in vs money out at a glance, with your net surplus or deficit called out — and a clear warning when expenses are set to outrun income. Monthly or yearly, your choice. Toggle the snapshot to a 12-month view that folds in one-time and time-boxed items the monthly view leaves out — bonuses, gifts, annual bills, one-off purchases — so you can see the bigger picture. Menus now sort alphabetically. Budget category and account drop-downs across the app are sorted A→Z, so long lists are quick to scan. Deleting a budget bucket and then creating a new one with the same name now works (it used to say the name already existed). Browse the Learn library on your phone. The full Learn navigation — Start here, every topic, and Quick answers — is now reachable on mobile through a "Browse topics" menu. A quick way home. A "Learn Home" button sits right next to it, so you can jump back to the Learn home from any guide. Credit-card utilization now shows correct percentages everywhere — overpaid cards no longer display impossible values, and the "Credit Utilization Excellent" badge shows your true utilization. Cleaned up dashboard/insight badges that could show misleading numbers, and aligned utilization color-coding consistently across the app, email digest, and credit-card pages.

  6. Yearly & one-time budget buckets

    v0.57.0

    Jun 28, 2026

    • New: yearly budgets. Set one amount for the whole year — gifts, insurance, property taxes — and track it as you spend it down.
    • Prefer monthly? Split a yearly amount evenly across the months, so it works like a regular monthly budget that resets.
    • New: one-time budgets. Give a start date, an end date, and a total — perfect for a project or a trip. When the window ends, you keep the final result.
    • Archive budgets you're done with instead of deleting them, and bring them back anytime.

    Budgets no longer have to be monthly. When you add or edit a budget, choose how it should track: Monthly (as before), Yearly, or One-time. Yearly budgets work two ways, your choice per budget: a single annual cap you spend down across the year, or an annual amount split evenly into a monthly target that resets each month. One-time budgets cover a set window — a start date, an end date, and a total. They're great for a project, a seasonal push, or a trip. After the end date, the budget stays visible with its final result so you can see how it went. You can also archive any budget to tidy your list without losing its history, and unarchive it whenever you like. Everything understands the new budget types: progress bars, the dashboard, insights, and your monthly budget streak.

  7. Net Worth is here — plus deeper history and a smoother sign-in

    v0.56.5

    Jun 27, 2026

    • Track your net worth (Turn on in Insights > Customize). Your Insights page now shows the full picture:
    • Net worth at a glance — everything you own minus what you owe, in one headline number.
    • Trend over time — watch your net worth move month to month.
    • Account Trends — a balance sparkline for each tracked account, so you can see what's growing and what's shrinking.
    • Breakdown — assets vs. liabilities by month, itemized so the numbers are clear.

    Your history builds automatically as each month closes — brand-new accounts start filling in right away. Deeper history on new bank connections. Connect a bank now and we'll pull up to ~2 years of transactions (previously about 3 months) — so your spending history and recurring-bill detection are richer from day one. Passkey sign-in fixed. Resolved a bug that could block signing in with a passkey. Polish. Tidied the Spending breakdown legend and tightened the "Pulse" insights so the top priority items surface first.

  8. A smoother Junipy and a more polished Learn

    v0.54.15

    Jun 24, 2026

    • Forms type smoothly again — fixed a glitch where a few forms (including the amount field in Projections) could lose your cursor or reset after a single keystroke. Typing is back to normal.
    • Mobile footer within reach — on phones, the in-app footer links (privacy, terms, support) were hidden behind the bottom navigation bar. They now sit clear of it.
    • A cleaner Learn audio player — guide narration now plays from a tidy bottom bar that rests neatly above the footer.
    • Easier Learn navigation — Junipy Learn now links straight back to your app, with a slim site footer to match.

  9. Smoother editing for scheduled items

    v0.54.12

    Jun 22, 2026

    • Editing the amount on a scheduled item now works the way it should — clear it and retype freely, with no more snapping back to the old value.
    • A handful of small fixes and tidy-ups under the hood.