WIMM Premium
Changelog

What we've shipped

WIMM is in active development. Here's everything we've released.

What's new in WIMM

2026-07-02

Automatic Backups (Premium)

  • Never have to remember to back up your data again. Turn on Automatic Backups in Settings → Backup & Restore and WIMM quietly saves an encrypted snapshot of your data on a schedule you pick — Daily, Weekly, or Monthly.
  • Set a backup password once and every automatic backup is protected with it — the same strong encryption used for manual backups. We keep your 3 most recent automatic backups, ready to download or restore with one click.
  • You won't hear from us unless something goes wrong. A successful backup happens silently in the background; if one ever fails, we'll email you so you're never caught without a recent copy.
  • A Premium feature. Manual backup and restore remain free for everyone — Automatic Backups is part of Premium.

2026-06-29

Mark a bill paid even when it didn't come from a connected account

  • Paid a bill in cash, by check, or from a bank you don't have connected? You can now record it — and it counts. Open any bill, choose Mark paid → Paid externally, and pick one of your manual accounts. WIMM adds the expense to your ledger so your Dashboard and Reports totals stay honest, instead of quietly under-counting what you actually spent.
  • Your numbers finally add up. Because the payment becomes a real expense in a manual account, your spending reflects it everywhere — Dashboard, Reports, budgets — while still being clearly separate from your connected-bank activity, so it's obvious which spending happened outside your linked accounts.
  • Debts still update automatically. If the bill is tied to a debt, paying it off-account lowers that debt's balance just like before.
  • Mark paid is now right where you need it. A Mark paid action sits on every bill in the Bills list (both table and card views), not just buried in a detail screen.
  • Change your mind safely. Undoing an off-account payment removes the expense WIMM created for it — and never touches a real transaction from your bank.
  • Free for everyone.

2026-06-24

Track multiple debts to the same lender separately

  • Pay a car loan and a credit card to the same bank? WIMM now keeps them apart. When one account holder makes payments to two different obligations at the same institution — for example a car loan and a credit card, both pulling from the same bank account under the same name — WIMM now recognises them as two distinct bills instead of collapsing them into one merchant.
  • No more "mismatched categories" warnings for legitimate mixed payments. Previously, because both payments appeared under one merchant, WIMM would permanently flag that merchant as having contradictory categories (car loan vs. credit card payment). That warning now clears automatically once the two obligations are tracked separately.
  • Each obligation can be named, tracked, and billed independently. The car loan and the credit card become their own entries on your Bills page with their own payment history — so you can track, name, and manage them separately without one interfering with the other.
  • Nothing changes for regular card purchases or single-obligation billers. The separation only activates when WIMM detects a genuine pattern of two distinct obligations to the same lender. Free for everyone.

2026-06-22

WIMM now finds each person's recurring charges separately

  • When two people in your household pay the same biller, WIMM detects each person's charge as its own recurring obligation. Previously, if Kevin paid his Citi card and Lonnie paid hers, and Kevin's payment was already tracked as a bill, WIMM would silently skip Lonnie's untracked payment in the auto-detect banner — treating them as the same biller. Now it recognises them as two separate recurring charges and surfaces the untracked one for you to add.
  • Each payer's recurring charge is offered and tracked independently. Adding Kevin's Citi payment as a bill doesn't hide Lonnie's Citi payment from the detect-banner — and dismissing one person's suggestion doesn't dismiss the other's.
  • Labels stay clear. Detected charges show the payer's name alongside the biller (for example, "Citi — Kevin" and "Citi — Lonnie") so you always know whose obligation you're looking at.
  • Free for everyone.

2026-06-21

All your bills now live in one place

  • The new Bills page is a complete registry of every bill you track — active, paused, or archived — in one sortable, searchable list, instead of being scattered across separate Bills, Subscriptions, and Recurring pages. Nothing hides: an archived bill is always one filter away, never a phantom you can't find.
  • Calendar, Due, Forecast, and Subscriptions are now just views of that one list. Switch between them with a tab — a bill you add or edit shows up correctly everywhere, because they all read the same records.
  • Subscriptions are just a kind of bill. The old Subscriptions page is now a view filtered to your subscriptions, with annual cost, last price change, and a nudge when one looks unused — sitting right alongside everything else.
  • See what each bill costs you and where it's paid from. Tell WIMM which account a bill comes out of, mark a bill as shared with your household, and open any bill to see its linked debt, budget envelope, and every matching transaction in one drawer.
  • Catch problems early. Each bill shows its cycle health (paid / due / overdue / missed) and flags surprises like a payment that jumped in price. A Forecast view projects your account balances after the next 30 days of bills.
  • Jump from a bill straight to its transactions. Click the link icon on any bill to see exactly the transactions that paid it.
  • Free for everyone.

2026-06-20

See at a glance which transactions are bills

  • Bill transactions now stand out. On your Transactions list, any transaction that's tied to a bill shows a clear link icon right next to the merchant name — on phone and desktop. A sparkle icon flags transactions that look like a bill match but aren't linked yet.
  • Creating a bill from a transaction fills in its history too. Make a bill straight from a transaction and WIMM now pulls in up to 12 months of that merchant's matching past payments automatically — the same full history you get from the Create Bill dialog, instead of just the one payment. Free for everyone.

Tell apart payments made by different people to the same biller

  • Different people, same biller, now kept separate. When more than one person pays the same account (for example two people paying the same credit card), WIMM used to lump those payments under a single merchant — so renaming it renamed everyone's. Now WIMM reads the payer's name from the bank record and keeps each person's payments as their own merchant, labeled like "Citi Autopay — Alex Morgan."
  • Rename one person without touching the others. Give one payer a friendly name and it sticks to just their payments — even for transactions that arrive later. The separation is based on the real bank data, so renaming never mixes them back together.
  • Nothing changes for ordinary purchases. Regular card purchases are unaffected. Free for everyone.

Bills: clearer, more predictable controls

  • "Delete" a bill now really deletes it. Choosing Delete (vs. Archive) permanently removes the bill instead of just hiding it — while your underlying transactions stay exactly where they are.
  • "Dismiss" on a suggested bill match now sticks. When WIMM suggests that a transaction matches a bill, dismissing the suggestion now makes it stay gone instead of popping back.
  • The round "mark as paid" button is clearer. It now shows a faint check so you can tell what it does before clicking, rather than an unlabeled dot.
  • Free for everyone.

Removing an import is now undoable

  • Deleted the wrong import? Bring it back. Removing an import no longer erases its transactions for good. Right after you remove one, an Undo button appears — and removed imports now sit in a "Recently removed imports" list with a Restore button for 30 days.
  • Restore is smart about duplicates. Bringing an import back revives its transactions exactly as they were (categories and all), while skipping any that you've since re-imported — so restoring can never create duplicates.
  • No more silent data loss. Previously, deleting an import and re-importing the same file could quietly skip the rows as "duplicates," leaving your budgets and dashboard blank. That's fixed.
  • Free for everyone.

New bills fill in up to a year of past payments

  • When you create a bill, WIMM now looks back 12 months (up from 6) and automatically links your matching past transactions as that bill's payment history — so a new bill starts with a full year of history where you have it. Bills with a steady amount link automatically; bills whose amount varies show the older matches as suggestions you can confirm. Free for everyone.

Renaming certain billers now works

  • Fixed: for some billers whose name contains a word like "payment" or "credit" (for example PAYMENTUS or Credit One), choosing "Rename all from this merchant" only renamed the single transaction instead of grouping them all. WIMM now treats these as proper merchants, so renaming groups them and they show up together. Your existing transactions were never lost. Free for everyone.

[1.7.0] — 2026-06-15

Your dashboard now tells spending, debt, and transfers apart

  • "Spending" finally means spending. WIMM no longer lumps credit-card and loan payments, or transfers between your own accounts, into one Spending number. Your dashboard now shows Spending, Debt Payments, and Income as three separate figures.
  • A clearer bottom line. Your net for the month is Income minus Spending minus Debt Payments — so paying down a card or moving money between your own accounts no longer looks like money vanishing.
  • Each number reflects what it should. Refunds reduce your spending (not your income), and money you borrow (like a loan deposit) and transfers between your own accounts are kept out of your income.
  • Miscategorized? Fix it in a tap. A transaction's detail view now has a "Count as a transfer" switch so you can correct anything WIMM got wrong. A new Help article explains how it all works.
  • Free for everyone.

Tap any dashboard card to see the transactions behind it

  • Your Spending, Debt Payments, and Income cards are now clickable. Tap one and WIMM opens your transactions filtered to exactly the items that add up to that number — so you can always answer "what's in this?"
  • What you see sums to the card. Refunds and reversals appear right in the list as credits that reduce the total, so the transactions genuinely reconcile to the figure on your dashboard — no hidden rows, no guesswork.
  • Shortcuts where you'd want them. Net Worth opens your Net Worth page, and the Debt Payments card also has a quick "Manage debts" link to the Debt Reducer.
  • A filter you can see and clear. Arriving from a card shows a labeled chip (for example, "Spending · Jun 2026") that you can remove in one tap to return to all your transactions.
  • Free for everyone.

[1.6.0] — 2026-06-14

Export your asset inventory — your proof pack for an insurance claim

  • Turn everything you own into a shareable inventory. From the Net Worth page, the new Export / Proof pack menu builds a complete list of your assets — grouped by type (homes, vehicles, valuables, crypto, and more) with per-type subtotals and a grand total — exactly the kind of proof an insurer asks for after a fire, theft, or flood.
  • Download it as a PDF, CSV, or Excel file. The PDF is ready to print or hand to an adjuster; the CSV and Excel versions keep your values as real numbers so you can sort, sum, and pivot them yourself.
  • Email it straight to yourself or your adjuster. Choose Email… to send the pack (with an optional note) — the recipient defaults to your own address for a quick "send me a copy." Premium members can include a zip of the original photos and receipts attached to each asset, and get those photos embedded right in the downloaded PDF.
  • Every export shows the dates that matter — when each item was recorded and when its value was last updated — plus the make, model, serial number, VIN, warranty, and insurance details you've documented, and a claim disclaimer so the document is honest about what it is.
  • The inventory export is free for everyone; including the original photos is a Premium feature. See the new "Net Worth" Help article for details.

[1.5.0] — 2026-06-13

Add your home, car, and valuables to your net worth

  • Net worth now counts what you own, not just your bank balances. On the Net Worth page you can add manual assets — a home, a vehicle, crypto, jewelry, or anything else of value — with a name, type, and current value. They're added to the assets side of your net worth right alongside your accounts, so the number finally reflects your whole financial picture.
  • Your values stay current, on your terms. Every asset shows an "Updated 3 days ago" freshness line so you can see at a glance which values are stale, and editing a value re-figures your net worth instantly. (Homes appreciate, cars depreciate — so the value is always yours to revise.)
  • Exclude one without deleting it. Each asset has an Include/Exclude toggle, just like debts, and if an asset looks like it duplicates a linked account WIMM flags it and leaves it out to avoid double-counting — you can override that in one click.
  • Free for everyone. See the new "Net Worth" section in Help.

Document your assets for insurance and loss claims

  • Each asset can now hold the details an insurer asks for after a fire, theft, or loss. In the asset's editor there's an optional Documentation section for the make, model, and serial number — plus the VIN for vehicles — along with its condition, where it's kept, and how many you have.
  • Track warranty and insurance too. Record the warranty provider and expiry, and the insurer, policy number, and coverage amount — so the item, its papers, and the policy that would pay out all live in one place.
  • It's documentation, not a number that moves your net worth. These details are purely informational — quantity and coverage amount never change your net worth total. Assets with documentation show a small "Documented" tag on the Net Worth page, and everything is included in your data backups.
  • Free for everyone.

[1.4.0] — 2026-06-10

Know if you're ahead or behind on your debt payoff

  • Your Debt Reducer now tells you whether you're on track. When you set your payoff strategy, WIMM remembers the plan you committed to. The Debt-Free Countdown now shows an at-a-glance chip: On track, Ahead (e.g. "2 months ahead" or "$1,240 ahead of plan") when you've paid down faster than planned, or Behind if your balance is higher than the plan expected.
  • It tracks your whole plan, not just one debt. Clicking a single debt to focus on it won't change the chip — it always reflects all the debts in your plan together.
  • The chip shows how far, in dollars, and deepens as you move. Ahead and behind now include the dollar amount (e.g. "$7,000 ahead of plan"), and the color intensifies with the gap — a soft green when you're a little ahead, a deep green when you're way ahead, and amber shading to red if you fall several months behind — so a glance tells you not just the direction but how big it is.
  • Already a Debt Reducer user? You'll start as "On track" — that's the only honest starting point for a plan you set in the past. The signal gets more meaningful as the months go by. Made a balance correction that threw it off? Just re-save your strategy on the Plan tab to reset the baseline.
  • Free for everyone. See the two new Help articles under Debt Reducer for the full details.

Unlink a bill from a debt

  • You can now remove a bill link from a debt. Open a debt, click Edit, and use the new "Linked to bill" row to unlink it, then Save. This works even if the bill has since been paused or archived — previously a debt could stay linked with no way to undo it.

See your bill history, month by month

  • New "History" view on the Bills page. Next to List and Calendar there's now a History toggle: pick a month and see everything in order — what you paid (on the day you paid it) and what's upcoming or overdue (on its due date). Step through months with the arrows, filter by All / Paid / Upcoming / Overdue, and click any paid item to jump to its transaction.
  • No more "I already paid that — why is it showing next month?" Because a bill always points at its next due date, the List view can make a paid bill look like it jumped ahead. History puts each payment back on the date it actually happened, so "what did I pay in May?" is finally a simple scroll.
  • "Paid this month" in the sidebar opens History. Clicking it takes you straight to this month's payments in the History view.

More accurate bill payment tracking

  • Payments dated the 1st of a month now count in the right month. A timezone rounding issue had been pushing a payment shown as e.g. "Jun 1" into the previous month's totals for some users — it now lands in June, matching the date on the card.
  • Confirming a suggested payment uses the transaction's real date. Confirming an older charge no longer stamps it with today's date (which could make a months-old payment look like it happened this month).
  • Fixed bills that showed an already-paid cycle as "next due." When a payment was matched for the current cycle, the bill now correctly rolls forward to the next due date instead of getting stuck.

Bills page sidebar now matches what you see

  • "Paid this month" is real money paid this month. The right-sidebar figure now counts payments actually dated this month — the same number as the summary at the top of the page — instead of crediting bills whose previous cycle was paid weeks ago. The progress meter ("X of Y bills paid") matches it.
  • "Due this week" no longer hides bills you owe. Bills that come due again this week now show in the sidebar's "Due this week" total and the upcoming list, lining up with the bills shown under "This Week" in the main view — instead of being reported as "$0.00, all paid".
  • Click any total to see its bills. Every line in the sidebar's "Period Totals" (Paid this month, Due this week, Rest of month, Due next month, Due later, Past due) is now clickable — it scrolls the list straight to the first bill in that group and highlights it.
  • A clear "paid ahead" note. If you've paid a bill this month but it's also due again next month, the sidebar flags it with a small "paid ahead" tag — hover for a plain-English explanation — so seeing it under both "Paid this month" and "Due next month" no longer looks like a glitch.

[1.3.0] — 2026-06-06

Smarter bills page

WIMM now tracks exactly which billing cycle each payment satisfies instead of inferring it from dates. The /bills page is more reliable, and several edge cases that used to confuse it now behave correctly.

  • Bug fix: "Paid this period" was sometimes empty. Bills you'd paid could show up under "Paid this period (0)" even when the payment was recorded. They now appear correctly.
  • Paid bills now show up in BOTH places. A bill you've paid still appears in its date bucket ("This Week", "Next Week", etc.) with a green "Paid" badge, in addition to the "Paid this period" recap. Matches the Mint / Rocket Money / Empower pattern — one quick glance tells you what's already handled this week.
  • Paid early, paid late, paid historical all behave predictably. A payment up to 14 days after the due date still counts toward the current cycle (late grace window); back-payments for older cycles no longer affect the current cycle's status.
  • "Overdue" means the same thing everywhere. The /bills top banner, the horizon-strip "Overdue" total, the list section, and the dashboard banner now all derive overdue from the same rule (prior calendar weeks). A bill that just autopaid a day or two ago no longer wrongly flags as overdue.
  • Easier to scan. Bill amounts now use a neutral colour — red is reserved for things that are actually overdue. The redundant second "Paid" label on a paid bill card has been removed.
  • Duplicate bills from re-import are now prevented. When the recurring importer encounters a candidate that's a close match to an existing bill (same category, amount within 1%, similar merchant), it's skipped instead of recreated as a duplicate.
  • Four new help articles at /help: how WIMM tracks billing cycles, paid early, paid late, and historical payments. The "Paid this period" header on /bills has a tooltip that links straight to the cycle-model explainer.

Your dashboard Bills section — accurate, clearer, and clickable

  • It matches the Bills page now. The dashboard's Bills section and the full Bills page read from one shared engine, so the bills you see — and the totals — line up between the two. No more bills that looked "paid" (and vanished) on the dashboard while the Bills page still showed them due.
  • Every upcoming bill shows up. A bill you've already paid for last cycle but that's due again still appears at its next due date instead of disappearing — and what's genuinely overdue (from a prior week) is called out in a red "Overdue" banner. "Overdue" now means the same thing on both pages, so a bill that just autopaid a day or two ago no longer falsely flags as overdue.
  • Easier to scan. The current week is highlighted, each week shows its own total ("$X · N bills"), and bill amounts use a neutral colour — red is reserved for things that are actually overdue.
  • Click a bill to act on it. Click any bill (or an overdue item) on the dashboard and WIMM jumps you straight to it on the Bills page, scrolls it into view, and highlights it — ready to mark paid or edit.

All Free-tier.

Budgets and your dashboard now tell the same story

  • "Expected Remaining" takes you to your budgets. Clicking a category in the dashboard's "Expected Remaining this Month" chart now opens the Budgets page and jumps to that group, where each budget shows spent vs. remaining — the breakdown that actually adds up to the number you clicked. (Money you haven't spent yet has no transactions behind it, so it no longer drops you on a near-empty list.)
  • Categories group the same way everywhere. The Budgets page now groups by top-level category, just like the dashboard — so a "Debt Payments" slice on the dashboard and the "Debt Payments" group on Budgets cover the same things, even when you've set up detailed sub-categories (per card, per loan, and so on). The bill suggestions list lines up the same way.
  • Jump straight to a bill that needs a category. When a bill is hidden from suggestions because it has no category, the prompt now links you directly to that bill on the Bills page — scrolled into view and highlighted — instead of the full list.

All Free-tier.

Fairer "vs last month" on the dashboard stat cards

The "vs last month" trend on the dashboard's stat-card row used to compare your month-to-date spend against the whole prior month — so on June 6 it was holding 6 days of June against all 31 days of May, which always looked great even when you were actually ahead of pace. The trend now gives you two honest comparisons, and you pick:

  • MTD (default): apples-to-apples. Your June 1–6 spend compared to May 1–6 spend.
  • Projected: pace-adjusted. WIMM extrapolates your current run-rate to a full June and compares that to all of May. Early in the month (first 1–2 days) the card switches to "Confidence: low" instead of showing a wishful percentage.

A small toggle next to the cards lets you flip between modes; your choice persists per-device.

Trends now appear on Net and Savings Rate too. Previously only Spending and Income showed a trend chip. The Savings Rate trend uses percentage points (e.g. "+0.8 pp") rather than a relative percentage, since the value itself is already a percentage — "+0.8 pp" is the change you actually care about, not "+3.3%".

All Free-tier.

Merge duplicate merchants on /recurring

When the same real-world merchant lands in two different rows on /recurring — for example, the ACH version of a utility (JACKSON ELECTRIC DES:WEB PMTS) and the debit version (JACKSON EMC … JACKSONEMC.CL) — WIMM now surfaces the pair in a blue banner at the top of the page. Open the Review dialog, pick which name to keep, and merge — or dismiss the pair forever.

The merge propagates everywhere it matters: /recurring, the "Tracked as bill" badges on /bills, envelope display on /budgets, and the dashboard widgets. There are no hardcoded merge lists — every suggestion is derived purely from your own transactions, so the suggestions are specific to your bank feed.

[1.2.0] — 2026-06-03

Cashflow Foresight — see what's coming, not just what happened

  • Projected end-of-month spend on the dashboard. WIMM looks at your spending pace so far this month and projects what your total will be by month-end, with a confidence band so you know how much to trust the number.
  • At-this-pace projection on every budget envelope. Each envelope card shows "Projected: $X by month end" beneath the progress bar, colour-coded green (under target), red (over), or muted (on track).
  • 30 / 60 / 90-day bills horizon on the Bills page. Switch the list scope to see what's due over the next month, two months, or three months — with subtotals for this week, 30 days, 60 days, 90 days, and anything overdue, so you can plan ahead.
  • Goal completion ETA. Each goal now shows when WIMM expects you to hit it at your current contribution rate. Behind your target? You'll see it. Ahead? That's there too. No contributions yet? You'll get a friendly nudge instead of a broken date.
  • Cashflow projection chart on the dashboard. The flagship of this release: a line chart of your projected account balance over the next 30, 60, or 90 days, factoring in scheduled bills, recurring income, and detected subscriptions. The confidence band widens with distance so the chart honestly signals how much trust to put in the further-out projection.
  • Smarter recurring detection. The Recurring page now layers Claude's understanding on top of WIMM's statistical detector. Better merchant grouping, better frequency classification, automatic fallback to the statistical detector when AI is unavailable.

All Free-tier. No new Premium gates. No new bank connections required.

"What's new" right in your sidebar

A new What's new link sits at the bottom of the left sidebar, next to Sign out. It shows the current WIMM version and lights up with a small pulsing dot whenever we ship an update you haven't seen yet. Click it to jump to the changelog (this page) — the dot clears for that device, and stays clear until the next release. No more wondering "did anything change?" — the sidebar will quietly tell you when it has.

Budget Backtest — one-click apply, plus a real Save

The Budget Backtest dialog now makes accepting a recommendation as fast as it looks. The amount box next to "Recommended budget: $X/mo" is pre-filled with the suggestion, so a single click on Apply previews the new score live. When you're ready to commit, the new Save to budget button writes the amount straight to your budget plan — and the change survives a Re-run Backtest. The "(mean + N% buffer)" label is now derived from the same constant the scoring uses, so the copy will always match the math.

[1.1.0] — 2026-06-02

Auto-import your debts (Premium)

  • Sync from bank: connect your bank once via the Debt page's Setup tab and pull your current mortgage, credit card, auto loan, student loan, HELOC, and personal loan balances in one step. Balances, rates, and minimum payments come straight from your bank — no manual entry needed. Refresh any time with a single tap. Unlink a connection and your local debt record stays intact.
  • Upload a statement PDF: have a lender statement handy? Upload a PDF, PNG, or JPEG (up to 10 MB) and WIMM's AI reads the document and pre-fills the debt details for you. A review modal lets you confirm or correct any field before saving. Your file is never stored — it's discarded immediately after extraction.
  • Escrow-aware for mortgages: when WIMM can determine your escrow split (taxes, insurance, HOA, PMI) it fills it in automatically so your payoff projections are accurate from day one. When it can't, an amber badge on the debt card nudges you to confirm — one edit and the badge clears.
  • Both paths are Premium features.

Try Premium free

  • 14-day Premium trial: try every Premium feature for two weeks. No card required. Sign up at app.wimm.money/signup?trial=14 and you start on Premium — Plaid sync, AI categorization, household sharing, and email notifications all active. On day 15 we revert your account to Free; all your transactions, categories, budgets, goals, and envelopes stay exactly as they were.

Mortgage payoff projections now respect your escrow

If your monthly mortgage payment includes property taxes, insurance, HOA, or PMI, you can now split that out from your principal & interest when adding or editing a mortgage (or HELOC). The Debt Reducer's payoff projections, amortization schedule, and strategy comparisons use the P&I portion only — so your timeline matches what your lender shows. Existing mortgages are unchanged until you edit them. Available for mortgage and HELOC debt types.

Debt Reducer

Pay off debt strategically with avalanche, snowball, or hybrid strategies — and see exactly when you'll be debt-free.

  • Plan tab: assign your active strategy, set an extra monthly payment, and watch the projected payoff date update live. Save scenarios (Premium) to compare what-ifs side by side.
  • Pay-off-by-date solver: pick a target month, and WIMM tells you the extra monthly payment needed to get there. Works for all debts or a single debt.
  • Three strategies, side by side: avalanche, snowball, and minimum-only baseline charted together so you can see how much each strategy saves you in interest and time.
  • What-If sliders: try extra monthly payments, lump sums, and income increases. Every panel — countdown, chart, metrics — updates in real time.
  • Action plan: WIMM tells you which debt to attack this month, why, the projected payoff date, and the rollover hint when it pays off.
  • Bulk-convert bills to debts: a guided wizard turns eligible bills into debt entries with starting balances, APRs, and minimum payments pre-filled.
  • APR estimation: paste in statement data (balance, interest charged, minimum payment) and WIMM reverse-engineers the rate.
  • AI strategy advice (Premium): get tailored payoff guidance and negotiation talking points for high-rate cards.
  • Household sharing (Premium): share specific debts with household members.
  • Unpayable-debt detection: when a debt's minimum payment can't cover its monthly interest, WIMM flags it instead of silently projecting an infinite payoff date.

Envelope Budgeting

YNAB-style envelope budgeting with a "Ready to Assign" pool, move-between, and roll-over — no $109/year price tag.

  • Ready-to-Assign pool: income lands in a single pool until you assign it. At a glance you know how much is unassigned.
  • Assign / Move money: assign income to envelopes; move money between envelopes mid-month when life happens. Full audit log.
  • Fill from paycheck: split a paycheck across envelopes in one dialog.
  • Month-start refill: optional auto-fill at the start of each month based on your targets.
  • Sinking funds + bill envelopes: irregular expenses (Christmas, car insurance, vacation) get their own envelopes and roll over.
  • AI Fill (Premium): WIMM suggests envelope amounts based on your last 3 months of spending. Review and tweak before applying.
  • Shared household envelopes (Premium): joint envelopes for rent, groceries, kids — each household member sees real-time balances.
  • Compare: side-by-side comparison of WIMM vs YNAB and others is now on /compare and /vs/{ynab,mint,monarch}.

Categories & Transactions

  • Unified category tree: drag-and-drop reorganization on /settings/categories. Custom and system categories merged into a single hierarchy.
  • Smart category picker: hierarchical tree, searchable, with icons — replaces flat dropdowns across the app.
  • Right-click recategorize: right-click any category badge on /transactions to change the category in place, without opening the detail drawer.
  • Smarter syncing: changing a transaction's category now propagates to linked Bill and Debt records, not just one of them.
  • "All from this merchant" rename: rename a merchant once and the change applies to bills, debts, recurring entries, and historical transactions in one shot.

Bills

  • Bill ↔ Debt linking: marking a bill paid now auto-records a payment against the linked debt. Symmetric: undoing a bill payment restores the debt balance.
  • Link existing debt to a bill: the Track-as-debt button on a Bill can now attach an existing debt, not just create a new one.
  • Hybrid strategy in chart: the Payoff Timeline chart now includes the Hybrid strategy as a selectable series.

Mobile & accessibility

  • Mobile responsiveness pass: cards, tables, dialogs, and chart sizing now work cleanly down to 360px-wide screens. Action buttons that were hover-only on desktop are visible on touch.
  • Mobile bottom padding: prevents content from being cut off by mobile browser chrome.
  • Tab state preservation: switching tabs (e.g. on /debt) no longer resets your inputs or selections.
  • Smart Budget Wizard fits on phones: the step indicator at the top of the wizard (Profile → Analyze → Review → Done) no longer cuts off the last step on narrow screens. On mobile you'll see "Step N of M — [Current Step]" above the dots; on tablet and up the full labeled stepper returns.

Bug fixes

  • Copy budgets from last month now works: clicking "Copy from last month" on /budgets previously could say "No new budgets to copy — all categories already exist in the target month" even when the current month was empty. Affected users west of UTC (any US/Americas timezone) whose budgets were created before the May timezone fix. The copy action now uses your timezone correctly for both the source and target month boundaries.

Power-user features

  • Privacy blur (Ctrl/Cmd + Shift + H): blurs every amount on the page for screen sharing and screenshots. Hover lifts the blur per-element. Preference persists.
  • Math in currency inputs: type =12.99 * 4 + 5.50 in any amount field and WIMM evaluates the expression on blur.
  • Command palette (Ctrl/Cmd + K): fuzzy search every page and quick action.
  • Keyboard shortcuts cheatsheet (?): modal listing every global shortcut.
  • Gmail-style two-key navigation: press g then a single letter to jump to any top-level page (g d Dashboard, g t Transactions, g b Budgets, etc.).

Security

  • Trusted device for 2FA: "Remember this device for 30 days" checkbox on the 2FA verify page skips the second factor on devices you trust. Revoked automatically on password change or 2FA disable. Available on both the web app and the admin portal.

Content & resources

  • Learn hub at /learn: practical guides on envelope budgeting, debt payoff strategies, YNAB alternatives, and how we built our AI categorization. Articles are managed in the admin Learn CMS — publish updates without a redeploy.
  • FAQ at /faq: pricing, privacy, bank connections, AI categorization, and how WIMM compares to other apps.
  • Comparisons at /compare and /vs/{ynab,mint,monarch}: side-by-side feature and pricing comparisons plus switching guides.
  • Feature deep-dives at /features/{ai-categorization,envelope-budgeting,debt-reducer,bills}: what each capability does, with FAQs.

[1.0.0] — 2026-04-07

Initial release. WIMM SaaS household finance tracker deployed to production: app.wimm.money (the web app) and wimm.money (this site). First release includes:

  • Plaid bank sync (12,000+ banks) and manual CSV / Excel / OFX import
  • AI transaction categorization (Claude, GPT-4o, DeepSeek with multi-provider routing)
  • Smart budgets, savings goals, recurring expenses, and anomaly detection
  • Two-factor authentication and backup recovery codes
  • Household sharing for up to 5 members
  • Freemium model with subscription tiers
  • Desktop app