What’s shipped, in order.

What's new in 0.22 This release is about keeping your finances for your eyes only: three new protections, all living in a new Settings → Security & Privacy home. Your numbers no longer show in the app switcher - Financial data is now redacted whenever Takeout is in the background — in the iOS app switcher, and on the Mac whenever Takeout isn't the frontmost app — so a glance at your screen no longer reveals balances or account names. Sheets and forms are covered too, not just the main views. On by default; turn it off in Settings → Security & Privacy. - Two things the veil can't reach: reminder notifications may still show household and account names on the lock screen (depending on your system notification preferences), and a confirmation dialog left open when you switch away stays readable in the switcher. Lock Takeout behind Face ID - A new authentication lock keeps Takeout closed behind Face ID, Touch ID, or your device passcode once it's been in the background past a timeout you choose — Immediately, or up to an hour (default 5 minutes). Off by default. - Turning the lock on and turning it off both ask you to authenticate first — so you prove you can get back in before the door closes, and a passerby holding your unlocked device can't quietly switch the protection off. - It works on the Mac too, where the system's per-app lock doesn't exist. And Bao snoozes on the lock screen while you're away. Shortcuts and Siri now ask permission first - Takeout's Shortcuts and Siri actions are now off until you enable them, individually, in Settings → Security & Privacy. Today that's one action — Set Asset Value, behind "Allow Shortcuts and Siri to set exchange rates." - Heads up if you already use automation for your exchange rate updates: that automation stops working on upgrade until you flip the toggle on. Shortcuts surfaces the failure as a notification, so it won't fail silently. - A separate toggle (on by default) controls whether Siri may learn automation suggestions from what you do in the app by hand; turning it off also withdraws what Siri has already learned. - All three settings are per-device and don't sync — each device decides for itself. Patches - v0.22.1 — A meaningful performance improvement to the authentication lock: unlocking is much faster, with your content readable the moment Face ID succeeds. - v0.22.2 — Bao, the app's mascot, is no longer nearly invisible in dark mode: his line work now adapts to light and dark, and his accent colors match the rest of the app.

What's new in 0.22 This release is about keeping your finances for your eyes only: three new protections, all living in a new Settings → Security & Privacy home. Your numbers no longer show in the app switcher - Financial data is now redacted whenever Takeout is in the background — in the iOS app switcher, and on the Mac whenever Takeout isn't the frontmost app — so a glance at your screen no longer reveals balances or account names. Sheets and forms are covered too, not just the main views. On by default; turn it off in Settings → Security & Privacy. - Two things the veil can't reach: reminder notifications may still show household and account names on the lock screen (depending on your system notification preferences), and a confirmation dialog left open when you switch away stays readable in the switcher. Lock Takeout behind Face ID - A new authentication lock keeps Takeout closed behind Face ID, Touch ID, or your device passcode once it's been in the background past a timeout you choose — Immediately, or up to an hour (default 5 minutes). Off by default. - Turning the lock on and turning it off both ask you to authenticate first — so you prove you can get back in before the door closes, and a passerby holding your unlocked device can't quietly switch the protection off. - It works on the Mac too, where the system's per-app lock doesn't exist. And Bao snoozes on the lock screen while you're away. Shortcuts and Siri now ask permission first - Takeout's Shortcuts and Siri actions are now off until you enable them, individually, in Settings → Security & Privacy. Today that's one action — Set Asset Value, behind "Allow Shortcuts and Siri to set exchange rates." - Heads up if you already use automation for your exchange rate updates: that automation stops working on upgrade until you flip the toggle on. Shortcuts surfaces the failure as a notification, so it won't fail silently. - A separate toggle (on by default) controls whether Siri may learn automation suggestions from what you do in the app by hand; turning it off also withdraws what Siri has already learned. - All three settings are per-device and don't sync — each device decides for itself. Patches - v0.22.1 — A meaningful performance improvement to the authentication lock: unlocking is much faster, with your content readable the moment Face ID succeeds.

What's new in 0.22 This release is about keeping your finances for your eyes only: three new protections, all living in a new Settings → Security & Privacy home. Your numbers no longer show in the app switcher - Financial data is now redacted whenever Takeout is in the background — in the iOS app switcher, and on the Mac whenever Takeout isn't the frontmost app — so a glance at your screen no longer reveals balances or account names. Sheets and forms are covered too, not just the main views. On by default; turn it off in Settings → Security & Privacy. - Two things the veil can't reach: reminder notifications may still show household and account names on the lock screen (depending on your system notification preferences), and a confirmation dialog left open when you switch away stays readable in the switcher. Lock Takeout behind Face ID - A new authentication lock keeps Takeout closed behind Face ID, Touch ID, or your device passcode once it's been in the background past a timeout you choose — Immediately, or up to an hour (default 5 minutes). Off by default. - Turning the lock on and turning it off both ask you to authenticate first — so you prove you can get back in before the door closes, and a passerby holding your unlocked device can't quietly switch the protection off. - It works on the Mac too, where the system's per-app lock doesn't exist. And Bao snoozes on the lock screen while you're away. Shortcuts and Siri now ask permission first - Takeout's Shortcuts and Siri actions are now off until you enable them, individually, in Settings → Security & Privacy. Today that's one action — Set Asset Value, behind "Allow Shortcuts and Siri to set exchange rates." - Heads up if you already use automation for your exchange rate updates: that automation stops working on upgrade until you flip the toggle on. Shortcuts surfaces the failure as a notification, so it won't fail silently. - A separate toggle (on by default) controls whether Siri may learn automation suggestions from what you do in the app by hand; turning it off also withdraws what Siri has already learned. - All three settings are per-device and don't sync — each device decides for itself.

What's new in 0.21 Your projections are now yours to keep - Until now the future view was a single what-if you couldn't hold onto — tweak it, leave, and it was gone. Projections now opens to a list of saved scenarios you build, name, and come back to: "Retire at 60," "Retire at 65," "Sell the house in 2035." Make as many as you like and line them up side by side. - Each scenario can be derived from your real accounts (the default) or built from scratch as a pure hypothetical. For a derived one you pick exactly which accounts are in scope, so you can ask "what if we set the house aside?" without deleting anything. - Tapping a saved scenario opens a clean read-only summary; hit Edit to change it. When your real numbers have moved on, you can bring a saved scenario up to today, or re-roll its simulation without touching any of your inputs. Model the income and expenses that actually shape your future - The income and expense events you could only sketch in past builds now persist and sync across your devices — they're part of your saved plan instead of a one-sitting experiment. - A single event can now change in phases: a salary with a raise schedule, an ARM that resets, a rent that steps up. Add the event, then add phases to it, and the chart rolls them all into one per-year cashflow (with a heads-up when phases overlap). - The simulation earns and spends against these events directly, so "salary stops at 64," "Social Security starts at 67," or "four years of tuition starting 2032" land on the chart instead of being hand-waved. Member birth dates and ages - Household members can now have a birth date — brand new this release. Enter one and your scenarios show each member's age year by year as the projection plays out, so a long horizon reads in human terms. (Planning events around a specific age is coming later.) More honest numbers under the hood - A withdrawal strategy can no longer spend money the portfolio doesn't have. Once the balance is gone, that year reads $0 instead of a phantom withdrawal, so success rates and the spend chart reflect honest depletion. - Return assumptions now default sensibly by account type — a savings account suggests savings-like numbers instead of pretending to be an index fund. And for asset-type accounts you can now set your own expected return and volatility per account, so the model leans on your read of each holding instead of one blanket number. To see everything else that shipped in v0.21, open its full entry under Release Notes in Settings. Patches - v0.21.1 — Income and expense events in your projections now show an income/expense badge right in the list, so you can tell each event's direction at a glance without opening it. - v0.21.2 — The account detail page is tidier: balance, return-assumption, and exchange-rate histories now live in collapsible sections that always show today's value, deleting an entry asks first and names what it's removing, and inline balance editing in lists expands cleanly beneath the row. - v0.21.3 — Hotfix: corrected the Guyton-Klinger guardrails withdrawal strategy, whose two guardrails were swapped, pushing spending the wrong way. Saved settings migrate automatically; update every device that accesses your households to avoid sync issues. - v0.21.4 — The Members overhaul promised in 0.21 has arrived: members are identified by name (email is optional, only needed to invite someone), adding and editing use one consistent Save-driven form, a pending member's row keeps the invitation link handy until they accept, and the roster reliably notices when someone accepts an invite or leaves. - v0.21.5 — Access levels now mean what they say: view-only members no longer see add/edit/delete controls whose changes silently never synced (projections, scheduled events, exchange rates, display name, and the Set Asset Value Shortcut), and archived households are truly frozen — everything locks alongside accounts, with sharing reduce-only until you restore.

What's new in 0.21 Your projections are now yours to keep - Until now the future view was a single what-if you couldn't hold onto — tweak it, leave, and it was gone. Projections now opens to a list of saved scenarios you build, name, and come back to: "Retire at 60," "Retire at 65," "Sell the house in 2035." Make as many as you like and line them up side by side. - Each scenario can be derived from your real accounts (the default) or built from scratch as a pure hypothetical. For a derived one you pick exactly which accounts are in scope, so you can ask "what if we set the house aside?" without deleting anything. - Tapping a saved scenario opens a clean read-only summary; hit Edit to change it. When your real numbers have moved on, you can bring a saved scenario up to today, or re-roll its simulation without touching any of your inputs. Model the income and expenses that actually shape your future - The income and expense events you could only sketch in past builds now persist and sync across your devices — they're part of your saved plan instead of a one-sitting experiment. - A single event can now change in phases: a salary with a raise schedule, an ARM that resets, a rent that steps up. Add the event, then add phases to it, and the chart rolls them all into one per-year cashflow (with a heads-up when phases overlap). - The simulation earns and spends against these events directly, so "salary stops at 64," "Social Security starts at 67," or "four years of tuition starting 2032" land on the chart instead of being hand-waved. Member birth dates and ages - Household members can now have a birth date — brand new this release. Enter one and your scenarios show each member's age year by year as the projection plays out, so a long horizon reads in human terms. (Planning events around a specific age is coming later.) More honest numbers under the hood - A withdrawal strategy can no longer spend money the portfolio doesn't have. Once the balance is gone, that year reads $0 instead of a phantom withdrawal, so success rates and the spend chart reflect honest depletion. - Return assumptions now default sensibly by account type — a savings account suggests savings-like numbers instead of pretending to be an index fund. And for asset-type accounts you can now set your own expected return and volatility per account, so the model leans on your read of each holding instead of one blanket number. To see everything else that shipped in v0.21, open its full entry under Release Notes in Settings. Patches - v0.21.1 — Income and expense events in your projections now show an income/expense badge right in the list, so you can tell each event's direction at a glance without opening it. - v0.21.2 — The account detail page is tidier: each account's balance, return-assumption, and exchange-rate histories now live in collapsible sections that always show the value in effect today, and deleting an entry asks first and names exactly what it's removing. Inline balance editing in the account and upcoming-reminder lists also expands cleanly beneath the row instead of fighting the tap-to-open gesture. - v0.21.3 — Hotfix: corrected the Guyton-Klinger guardrails withdrawal strategy, whose two guardrails were swapped relative to the published method, pushing spending the wrong way. Your saved settings migrate automatically. Because this changes stored data, update every device that accesses your households to avoid sync issues. - v0.21.4 — The Members overhaul promised in 0.21 has arrived: members are now identified by name (email is optional, and only needed to invite someone to a shared household), adding and editing use one consistent Save-driven form whether or not you're sharing, you can type an email and pick an access level in a single Save, a pending member's row keeps the invitation link handy with a Copy button until they accept, and the roster now reliably notices when someone accepts an invite or leaves.

PLEASE UPDATE ALL YOUR DEVICES — this is a hotfix. If more than one device (or more than one person) opens your household(s), install this version on every one of them. Leaving an older version running alongside this one can cause your saved projection scenarios to stop syncing between devices. Questions or concerns? Email me at takeout@walkfar.org — or reach out however you prefer. I'm glad to help. What's new in 0.21 Your projections are now yours to keep - Until now the future view was a single what-if you couldn't hold onto — tweak it, leave, and it was gone. Projections now opens to a list of saved scenarios you build, name, and come back to: "Retire at 60," "Retire at 65," "Sell the house in 2035." Make as many as you like and line them up side by side. - Each scenario can be derived from your real accounts (the default) or built from scratch as a pure hypothetical. For a derived one you pick exactly which accounts are in scope, so you can ask "what if we set the house aside?" without deleting anything. - Tapping a saved scenario opens a clean read-only summary; hit Edit to change it. When your real numbers have moved on, you can bring a saved scenario up to today, or re-roll its simulation without touching any of your inputs. Model the income and expenses that actually shape your future - The income and expense events you could only sketch in past builds now persist and sync across your devices — they're part of your saved plan instead of a one-sitting experiment. - A single event can now change in phases: a salary with a raise schedule, an ARM that resets, a rent that steps up. Add the event, then add phases to it, and the chart rolls them all into one per-year cashflow (with a heads-up when phases overlap). - The simulation earns and spends against these events directly, so "salary stops at 64," "Social Security starts at 67," or "four years of tuition starting 2032" land on the chart instead of being hand-waved. Member birth dates and ages - Household members can now have a birth date — brand new this release. Enter one and your scenarios show each member's age year by year as the projection plays out, so a long horizon reads in human terms. (Planning events around a specific age is coming later.) More honest numbers under the hood - A withdrawal strategy can no longer spend money the portfolio doesn't have. Once the balance is gone, that year reads $0 instead of a phantom withdrawal, so success rates and the spend chart reflect honest depletion. - Return assumptions now default sensibly by account type — a savings account suggests savings-like numbers instead of pretending to be an index fund. And for asset-type accounts you can now set your own expected return and volatility per account, so the model leans on your read of each holding instead of one blanket number. To see everything else that shipped in v0.21, open its full entry under Release Notes in Settings. Patches - v0.21.1 — Income and expense events in your projections now show an income/expense badge right in the list, so you can tell each event's direction at a glance without opening it. - v0.21.2 — The account detail page is tidier: each account's balance, return-assumption, and exchange-rate histories now live in collapsible sections that always show the value in effect today, and deleting an entry asks first and names exactly what it's removing. Inline balance editing in the account and upcoming-reminder lists also expands cleanly beneath the row instead of fighting the tap-to-open gesture. - v0.21.3 — Hotfix: corrected the Guyton-Klinger guardrails withdrawal strategy, whose two guardrails were swapped relative to the published method, pushing spending the wrong way. Your saved settings migrate automatically. Because this changes stored data, update every device that accesses your households to avoid sync issues.

What's new in 0.21 Your projections are now yours to keep - Until now the future view was a single what-if you couldn't hold onto — tweak it, leave, and it was gone. Projections now opens to a list of saved scenarios you build, name, and come back to: "Retire at 60," "Retire at 65," "Sell the house in 2035." Make as many as you like and line them up side by side. - Each scenario can be derived from your real accounts (the default) or built from scratch as a pure hypothetical. For a derived one you pick exactly which accounts are in scope, so you can ask "what if we set the house aside?" without deleting anything. - Tapping a saved scenario opens a clean read-only summary; hit Edit to change it. When your real numbers have moved on, you can bring a saved scenario up to today, or re-roll its simulation without touching any of your inputs. Model the income and expenses that actually shape your future - The income and expense events you could only sketch in past builds now persist and sync across your devices — they're part of your saved plan instead of a one-sitting experiment. - A single event can now change in phases: a salary with a raise schedule, an ARM that resets, a rent that steps up. Add the event, then add phases to it, and the chart rolls them all into one per-year cashflow (with a heads-up when phases overlap). - The simulation earns and spends against these events directly, so "salary stops at 64," "Social Security starts at 67," or "four years of tuition starting 2032" land on the chart instead of being hand-waved. Member birth dates and ages - Household members can now have a birth date — brand new this release. Enter one and your scenarios show each member's age year by year as the projection plays out, so a long horizon reads in human terms. (Planning events around a specific age is coming later.) - You can manage members — open a profile, rename, remove — whether or not the household is shared. The per-member access level still shows only when you're sharing. More honest numbers under the hood - A withdrawal strategy can no longer spend money the portfolio doesn't have. Once the balance is gone, that year reads $0 instead of a phantom withdrawal, so success rates and the spend chart reflect honest depletion. - Return assumptions now default sensibly by account type — a savings account suggests savings-like numbers instead of pretending to be an index fund. And for asset-type accounts you can now set your own expected return and volatility per account, so the model leans on your read of each holding instead of one blanket number. - Backups got a quiet integrity pass, and they still export all of your data — now including everything new this release: saved scenarios, scheduled events, per-account returns, and member birth dates. More to come in the future - The per-account return and volatility controls work but are rougher than I'd like, the Members page is due for a proper overhaul, and automatic balance updates are still on the horizon. All three are coming. - Takeout has come a long way: it's useful and simple for ongoing financial management, and being able to glimpse a whole range of possible futures at any moment can honestly change your worldview. I really hope you find it as useful as I do — and I'd love to hear when you do. (And when you don't!) Patches - v0.21.1 — Income and expense events in your projections now show an income/expense badge right in the list, so you can tell each event's direction at a glance without opening it. - v0.21.2 — The account detail page is tidier: each account's balance, return-assumption, and exchange-rate histories now live in collapsible sections that always show the value in effect today, and deleting an entry asks first and names exactly what it's removing. Inline balance editing in the account and upcoming-reminder lists also expands cleanly beneath the row instead of fighting the tap-to-open gesture.

What's new in 0.21 Your projections are now yours to keep - Until now the future view was a single what-if you couldn't hold onto — tweak it, leave, and it was gone. Projections now opens to a list of saved scenarios you build, name, and come back to: "Retire at 60," "Retire at 65," "Sell the house in 2035." Make as many as you like and line them up side by side. - Each scenario can be derived from your real accounts (the default) or built from scratch as a pure hypothetical. For a derived one you pick exactly which accounts are in scope, so you can ask "what if we set the house aside?" without deleting anything. - Tapping a saved scenario opens a clean read-only summary; hit Edit to change it. When your real numbers have moved on, you can bring a saved scenario up to today, or re-roll its simulation without touching any of your inputs. Model the income and expenses that actually shape your future - The income and expense events you could only sketch in past builds now persist and sync across your devices — they're part of your saved plan instead of a one-sitting experiment. - A single event can now change in phases: a salary with a raise schedule, an ARM that resets, a rent that steps up. Add the event, then add phases to it, and the chart rolls them all into one per-year cashflow (with a heads-up when phases overlap). - The simulation earns and spends against these events directly, so "salary stops at 64," "Social Security starts at 67," or "four years of tuition starting 2032" land on the chart instead of being hand-waved. Member birth dates and ages - Household members can now have a birth date — brand new this release. Enter one and your scenarios show each member's age year by year as the projection plays out, so a long horizon reads in human terms. (Planning events around a specific age is coming later.) - You can manage members — open a profile, rename, remove — whether or not the household is shared. The per-member access level still shows only when you're sharing. More honest numbers under the hood - A withdrawal strategy can no longer spend money the portfolio doesn't have. Once the balance is gone, that year reads $0 instead of a phantom withdrawal, so success rates and the spend chart reflect honest depletion. - Return assumptions now default sensibly by account type — a savings account suggests savings-like numbers instead of pretending to be an index fund. And for asset-type accounts you can now set your own expected return and volatility per account, so the model leans on your read of each holding instead of one blanket number. - Backups got a quiet integrity pass, and they still export all of your data — now including everything new this release: saved scenarios, scheduled events, per-account returns, and member birth dates. More to come in the future - The per-account return and volatility controls work but are rougher than I'd like, the Members page is due for a proper overhaul, and automatic balance updates are still on the horizon. All three are coming. - Takeout has come a long way: it's useful and simple for ongoing financial management, and being able to glimpse a whole range of possible futures at any moment can honestly change your worldview. I really hope you find it as useful as I do — and I'd love to hear when you do. (And when you don't!) Patches - v0.21.1 — Income and expense events in your projections now show an income/expense badge right in the list, so you can tell each event's direction at a glance without opening it.

What's new in 0.21 Your projections are now yours to keep - Until now the future view was a single what-if you couldn't hold onto — tweak it, leave, and it was gone. Projections now opens to a list of saved scenarios you build, name, and come back to: "Retire at 60," "Retire at 65," "Sell the house in 2035." Make as many as you like and line them up side by side. - Each scenario can be derived from your real accounts (the default) or built from scratch as a pure hypothetical. For a derived one you pick exactly which accounts are in scope, so you can ask "what if we set the house aside?" without deleting anything. - Tapping a saved scenario opens a clean read-only summary; hit Edit to change it. When your real numbers have moved on, you can bring a saved scenario up to today, or re-roll its simulation without touching any of your inputs. Model the income and expenses that actually shape your future - The income and expense events you could only sketch in past builds now persist and sync across your devices — they're part of your saved plan instead of a one-sitting experiment. - A single event can now change in phases: a salary with a raise schedule, an ARM that resets, a rent that steps up. Add the event, then add phases to it, and the chart rolls them all into one per-year cashflow (with a heads-up when phases overlap). - The simulation earns and spends against these events directly, so "salary stops at 64," "Social Security starts at 67," or "four years of tuition starting 2032" land on the chart instead of being hand-waved. Member birth dates and ages - Household members can now have a birth date — brand new this release. Enter one and your scenarios show each member's age year by year as the projection plays out, so a long horizon reads in human terms. (Planning events around a specific age is coming later.) - You can manage members — open a profile, rename, remove — whether or not the household is shared. The per-member access level still shows only when you're sharing. More honest numbers under the hood - A withdrawal strategy can no longer spend money the portfolio doesn't have. Once the balance is gone, that year reads $0 instead of a phantom withdrawal, so success rates and the spend chart reflect honest depletion. - Return assumptions now default sensibly by account type — a savings account suggests savings-like numbers instead of pretending to be an index fund. And for asset-type accounts you can now set your own expected return and volatility per account, so the model leans on your read of each holding instead of one blanket number. - Backups got a quiet integrity pass, and they still export all of your data — now including everything new this release: saved scenarios, scheduled events, per-account returns, and member birth dates. More to come in the future - The per-account return and volatility controls work but are rougher than I'd like, the Members page is due for a proper overhaul, and automatic balance updates are still on the horizon. All three are coming. - Takeout has come a long way: it's useful and simple for ongoing financial management, and being able to glimpse a whole range of possible futures at any moment can honestly change your worldview. I really hope you find it as useful as I do — and I'd love to hear when you do. (And when you don't!)

What's new in 0.20 Withdrawal strategies in Projections - Projections has a new Withdrawal strategy section above the chart that lets you pick how spend is computed each year, instead of always assuming a constant first-year amount inflated forward. Four strategies are available: Steady Paycheck (the default, identical to how Projections worked before), Track the Market, Cushioned (a Vanguard-style approach that lets spend rise and fall with the market within caps), Adjust Only If Off Course (a guardrail-based approach that only resets your spend if the safe withdrawal rate has drifted too far from where you started), and Essentials Plus Bonus (split your spend into a base you always take plus a bonus that scales with portfolio performance). - Each strategy has a two-sentence summary you can read at a glance, an info popover with a lifestyle quote, an explanation of when it reacts and where the safety comes from, and tunable parameter rows so you can tighten or loosen the caps, guardrails, or bonus fraction. A "Compare strategies" link opens the full reference page on the marketing site if you want the deeper write-up. Steady Paycheck remains the default and behaves exactly the same as Projections did before, so existing scenarios are unchanged unless you choose otherwise. - Essentials Plus Bonus also gets an editable "Additional year-1 spend" field — handy for modelling a one-time outlay (a wedding, a renovation) on top of your base without round-tripping through Scheduled events. A live "base + scheduled" breakdown popover shows the all-in total. - The stats grid under the chart gains a fourth column, Spend (today's value), that deflates each year's all-in spend (strategy + scheduled events) back into today's dollars, so you can read real spending power year over year instead of watching nominal numbers balloon with inflation. The Explanation card is now collapsible and rewords itself per strategy so the prose actually matches the chart you're looking at. Currency-neutral copy throughout — "today's value" and "[year] value" instead of "today's dollars", so the modelling vocabulary stays clean for non-USD households. Smaller things - The "Invite others to try Takeout Beta" QR code now points at a redirect on takeout.walkfar.org instead of the raw TestFlight URL. If a beta link ever needs to rotate, printed QR codes keep working — the redirect is the source of truth.

What's new in 0.19 Scheduled events in Projections - Projections now lets you model future cashflow changes as a list of scheduled events under the chart instead of squeezing everything into a single "Contributions/year" lever. **This is a huge, powerful upgrade!** Each row is a recurring or one-shot income or expense with an amount, a start/end year, a money frame ("today's $" or "future $"), and a growth choice (inflation, fixed %, or flat). Both the deterministic and Monte Carlo paths consume the events, so changes like "salary stops in 2034," "Social Security kicks in at 67," or "$30K wedding in 2031" can be expressed directly instead of hand-waved into the contribution number. - Tapping a row opens a full editor (with an info popover that explains how "today's $" vs "future $" interact with each growth choice); "+ Add event" inserts a new row. The old "Contributions/year" lever is retired, and "Year 1 withdrawal" has been renamed "Total year-1 spend" so the modelling vocabulary stays consistent. - These events are in-memory only this round — they won't sync across devices or persist between launches yet. Persistence + CloudKit sync land in a follow-up phase once the shape has been validated against real use; until then, scheduled events are great for one-sitting scenario exploration, not long-term plan storage.

What's new in 0.18 Expanded first-launch onboarding - The first-launch flow is now a three-page pager. Page 1 still asks for your display name (required to continue). Page 2 introduces Bao and explains where your data lives (your iCloud, your devices — not my server). Page 3 frames the tier system as "Free for almost everyone." Pages 2 and 3 are skippable; you can also tap through them at your own pace. - New installs on devices not signed in to iCloud now see the same onboarding flow. Previously the prompt could stall waiting on iCloud account state and you'd land on an unfamiliar Households screen with no introduction. Your display name still gets captured, the app still works locally, and CloudKit-synced data simply won't appear until you sign in.

What's new in 0.17 Your Tier page - Settings now has a dedicated Your Tier page (replacing the old in-line picker). It shows your current tier as a header, lists every household and how each one sits against your tier's net-worth cap, and gives you an Upgrade button to bump to the next tier. Tier names also got a friendlier set of placeholder labels: Hawker Stand, Hood Hotspot, Hidden Gem, Prix Fixe, Private Chef. (Real in-app purchase is still coming before public launch — this is the page you'll do it from.) - Caps render in compact notation everywhere ($175K / $1.75M / $17.5M / $175M / $1.75B) so the big numbers stop pushing the layout around. Households over your cap — calmer affordances - When a household crosses your tier cap, it no longer silently hides the net worth. The balance is shown clamped to the cap with a "+" suffix (e.g., $175K+), and a small "Calibrated to your $175K cap" pill explains why and opens Your Tier when tapped. The history chart's y-axis clamps at the cap and labels above-cap data points as $175K+ in tooltips. - The same compact eliding (e.g., $175K+) is applied consistently across every list where a household balance appears, so an over-cap household is recognizable at a glance. - The Bao gauge next to each household on the Households list is now a tap target — tap it to jump straight to Your Tier. - Multi-currency households whose tier-cap-progress and displayed net worth disagree get a new explanation in the "est." popover: a short plain-English summary plus a deeper "Overwhelming Minutiae" section with the effective tier-cap exchange rates alongside your own display rates and the cap expressed in each of the household's currencies, so the divergence is no longer mysterious. This gets way into the weeds, but the only people who will ever see it are those who have accounts in multiple different currencies, and the only people who should ever care are likely in the middle of massive social upheaval as their currency valuations are fluctuating wildly. I can't fix *all* the problems, but I do hope you're weathering that storm well. Email me if you actually rub against this issue, because I would like to know how to make things better. I hope I'm not just talking to future me, but who knows these days. Send Feedback - Settings → About Takeout has a new Send Feedback row. Tap it and Mail opens to takeout.testflight@walkfar.org with a pre-filled subject and a diagnostic block (app version + build, environment, iOS version, hardware identifier, locale, household count, currencies in use). Type your note above the block and send. Saves you having to remember what to include. I will actually read these. You could be the first! Invite others to try the Beta - Settings → About Takeout has a new "Invite others to try Takeout Beta" row. It opens a card-style invite screen with this build's app icon, a short pitch about Takeout, and a QR code for the TestFlight join link (with the link itself as a tappable caption underneath). Hand a phone, snap a code, plan together — easiest way to get a partner or family member onto the beta. I could use the help spreading the word. This is a great way to actually track finances with your partner, and I want more people to be using it.

What's new in 0.16 Projections - The Highlights section in Monte Carlo mode is replaced by an Explanation card that answers the question in plain English: given your inputs, what year can you expect your balance to last to at a chosen certainty level, and what starting withdrawal does that imply? Both are full sentences. A certainty dropdown (e.g., "90% ▾") is embedded inline so changing it updates both sentences in place without leaving the screen. - A Limitations button in the Explanation card opens a popover listing what the model doesn't yet account for: market-downturn belt-tightening, withdrawal flexibility, additional later income, planned expense changes, mixed-risk portfolios, and tax treatment — so you know what to factor in yourself. - Monte Carlo mode gains a configurable Target final net worth row. Enter an amount in today's dollars or in future dollars at your horizon year; "success" is then defined as ending at or above that threshold instead of just above zero. A caption below the input shows the inflation-equivalent in the other frame. Defaults to $0, preserving prior behavior. Target resets when you close the screen. - The planning horizon Stepper now goes up to 100 years (was 50), to support retirement planning by very ambitious and optimistic young'uns.

What's new in 0.15 Guided first launch - A new launch flow walks fresh installs through naming themselves and getting their first household on the screen, instead of dropping you into an empty list with no signposts. The Display Name prompt that used to live in Settings now appears the first time you open the app. - Empty households show a "Create your first account" card with an Add account button right where the net worth and history chart usually live, so a brand-new household no longer greets you with a $0 chart you can't act on. - The Active and Archived segments of the household list and the per-household accounts list each get their own contextual empty-state cards. The Archived tab now tells you what archiving is for instead of being a blank screen. If a household has accounts but they've all been archived, the Active tab nudges you back with Add account / View archives buttons. Accessibility - The new first-launch and empty-state copy now respects iOS Dynamic Type. Titles, body text, and button labels scale with your accessibility text size (capped just past the largest "normal" setting so the layout doesn't fall apart), and these surfaces now render in Takeout's Nunito typography instead of the system default. Release Notes + About inside the app - Settings has a new Release Notes screen that lists every shipped version, newest first, in the same wording you've been reading in TestFlight. The history goes back to 0.10 so anyone who started somewhere in the middle can scroll back and see what's changed since. - Same area gains an About section with version, build, and tier information. Sharing - Read-only members can now leave a shared household from inside the app. The Manage Sharing link in Household Detail used to be hidden if you weren't an editor, which silently locked viewers out of the "Leave household" affordance. The link is always visible now; owner-only and editor-only actions on the Sharing screen still gate themselves. Mac Catalyst - In-app modals (Add Account, Add Household, Add Member, Asset Values editor, Backup Export, the Sharing rename/claim flows, and more) now actually leave the screen when you dismiss them on Mac. There was a latent SwiftUI bug on Catalyst where the dismissal binding flipped but the animation hung until you switched apps and came back. On iOS these now present as full-screen covers instead of card sheets.

What's new in 0.15 Guided first launch - A new launch flow walks fresh installs through naming themselves and getting their first household on the screen, instead of dropping you into an empty list with no signposts. The Display Name prompt that used to live in Settings now appears the first time you open the app. - Empty households show a "Create your first account" card with an Add account button right where the net worth and history chart usually live, so a brand-new household no longer greets you with a $0 chart you can't act on. - The Active and Archived segments of the household list and the per-household accounts list each get their own contextual empty-state cards. The Archived tab now tells you what archiving is for instead of being a blank screen. If a household has accounts but they've all been archived, the Active tab nudges you back with Add account / View archives buttons. Accessibility - The new first-launch and empty-state copy now respects iOS Dynamic Type. Titles, body text, and button labels scale with your accessibility text size (capped just past the largest "normal" setting so the layout doesn't fall apart), and these surfaces now render in Takeout's Nunito typography instead of the system default. Release Notes + About inside the app - Settings has a new Release Notes screen that lists every shipped version, newest first, in the same wording you've been reading in TestFlight. The history goes back to 0.10 so anyone who started somewhere in the middle can scroll back and see what's changed since. - Same area gains an About section with version, build, and tier information. Sharing - Read-only members can now leave a shared household from inside the app. The Manage Sharing link in Household Detail used to be hidden if you weren't an editor, which silently locked viewers out of the "Leave household" affordance. The link is always visible now; owner-only and editor-only actions on the Sharing screen still gate themselves. Mac Catalyst - In-app modals (Add Account, Add Household, Add Member, Asset Values editor, Backup Export, the Sharing rename/claim flows, and more) now actually leave the screen when you dismiss them on Mac. There was a latent SwiftUI bug on Catalyst where the dismissal binding flipped but the animation hung until you switched apps and came back. On iOS these now present as full-screen covers instead of card sheets.

What's new in 0.14 Projections — Monte Carlo mode Open "See the future" from any household and you'll find a new Deterministic / Monte Carlo toggle at the top of the chart. Monte Carlo is the new default. - Instead of one fixed line into the future, Monte Carlo runs thousands of random "what could happen" runs and shows you the spread. The chart draws four nested confidence bands (central 20% / 40% / 60% / 80%) at increasing transparency, over a bold median line. - A new Highlights section summarizes the runs: the year your median run runs out, the range of exhaustion years across each band (or "after [end year]" when a band never crosses zero), the end-of-horizon median net worth, and a "safe first-year withdrawal" amount you can spend and still hit your target success likelihood. There's a stepper to set what likelihood you want to plan against. - A Re-roll scenarios button reshuffles the randomness without changing any of your inputs, so you can see whether a worrying outcome is luck or a real signal. - Inputs now also shows your Year-1 withdrawal in dollars (or your primary currency) and prints the terminal year of your horizon alongside its length, so "40 yrs" becomes "40 yrs (2066)". - New Accounts-to-exclude section: pop any account out of the projection (e.g., the primary home, something to pass to the grandkids, etc.) without touching your real data. Exclusions are session-only — they reset when you reopen the screen. - In Monte Carlo mode you'll also see two new pickers under Stochastic: Market stability (10% / 15% / 20% / 25% volatility) and Paths (200 / 500 / 2K / 10K / 50K / 100K, default 10K). The computation runs in the background; a circular progress meter fills as the paths and the safe-withdrawal search complete. Deterministic mode hasn't gone anywhere — flip the toggle and you'll get exactly what you had in 0.13. This is a Phase-1 proof of concept. Nothing here is saved between launches yet, and the shape (single aggregate return, deterministic withdrawals, the specific bands shown) will keep evolving. Feedback on what reads well, what reads weirdly, and what you actually want out of a projection screen is extremely welcome.

What's new in 0.13 Sharing - Turn on Sharing and Stop Sharing now show an in-line progress spinner with "Setting up sharing…" or "Stopping sharing…" while CloudKit does its thing, so it's obvious the tap registered. - The "you can turn sharing on/off again in a few minutes" notice is now a live MM:SS countdown that ticks to zero at the exact moment the button re-enables — no more guessing, much less annoying. - Oh wait just kidding! That 30-second cooldown is just straight up gone now, and the entire sharing experience is *way* snappier as a result! Spending time fixing little bugs can pay off big! Bug fixes - After turning sharing off on a household, Turn on Sharing sometimes silently did nothing on the next tap — no progress, no error. It now reliably starts a new share. - Per-household notification reminders sometimes still fired after you turned notifications off for that household, especially when the household had multiple accounts due on the same day. Toggling notifications off now reliably cancels every pending reminder for that household.

What's new in 0.12 Settings - Settings no longer leads with a power-user toggle. The Storage Mode picker (Local only / Local + iCloud) has moved to the bottom of Settings, so the first thing you see is your display name and household configuration. The Storage Usage record-count readout has moved out of Settings entirely and now lives on the trusted-tester Debug screen. Notifications - Per-household notification settings no longer let you tune reminders that can't fire. If iOS notifications are denied or not yet allowed, the per-household reminder controls are hidden in Settings → Notification Settings, the Notifications row in Household Detail is replaced with a short explainer and a Turn On / Open Settings button, and the same explainer appears if you navigate directly into a household's notification screen. Grant permission in iOS Settings, return to the app, and the controls reappear automatically. Trusted-tester polish - New app icons.

Welcome to the Takeout beta! (v0.11) What it is: a net-worth tracker and financial projection tool organized around "households" (a household = a unit of finance, e.g. you, you+partner, a side LLC). Data is stored in your iCloud account using CloudKit — there is no Takeout server, and I can't see your numbers. First-launch checklist: • Make sure you're signed into iCloud and set your display name on the settings screen. • Create a household. Pick its primary currency. • Add accounts (assets and liabilities both — credit cards count). Set an opening balance for each. • Update a balance manually. The chart updates and the Bao mascot reacts. • If your Net Worth isn't showing, see the Subscription section at the bottom of the Settings screen. Don't worry - there aren't any actual subscription fees right now, and you'll always have access to the data you entered, regardless of IAP features added in the future. Worth poking at: • Reminders — per-household, with a preferred time of day. Reminders are only sent when you haven't updated a given account in longer than one statement cycle. • Sharing — invite another iCloud user; access is Read Only or Read/Write, revocable. If you have a partner you'd like in on the TestFlight, let me know. • Shortcuts / Siri — Currently only available for updating exchange rates, but stay tuned! • Multi-currency — add a non-primary-currency account and set an exchange rate. • Backup & Restore (Settings) — encrypted .tkbak files, round-trips everything. What to send back: • First-launch friction. If anything is unclear, that's a bug, not user error. • Anywhere the model doesn't match how you actually think about your finances. • Sync weirdness — across your own devices or with anyone you've shared with. • Crashes, hangs, "that number is wrong" moments. Send feedback via TestFlight (shake device, or "Send Beta Feedback" in TestFlight), or hit me up directly. Screenshots > descriptions when something looks off. Genuinely grateful you're here. - Settings now has a **Subscription Tier** section that lets you pick a generation and tier and see what the per-tier net-worth caps look like in every primary currency present across your households. The current tier's row is bold so it's obvious where you sit. A footer explains that the screen is a stand-in for the real in-app purchase manager that will ship before public launch, what tiers gate (over-cap households keep accounts, snapshots, and details — only future projections and net-worth summaries are hidden), the pricing philosophy (free for most, a pittance for those who can easily afford it), and the privacy guarantee. - Household Detail no longer renders a redacted History section for over-cap households. Both the **History** graph and the **See the future** projections link disappear entirely when net worth is redacted, instead of showing as placeholder shimmer rows.

Welcome to the Takeout beta! (v0.10) What it is: a net-worth tracker and financial projection tool organized around "households" (a household = a unit of finance, e.g. you, you+partner, a side LLC). Data is stored in your iCloud account using CloudKit — there is no Takeout server, and I can't see your numbers. First-launch checklist: • Make sure you're signed into iCloud (Settings → [your name]). The app surfaces an alert if iCloud is unavailable. • Create a household. Pick its primary currency. • Add accounts (assets and liabilities both — credit cards count). Set an opening balance for each. • Update a balance manually. The chart updates and the Bao mascot reacts. Worth poking at: • Reminders — per-household, with a preferred time of day. Reminders are only sent when you haven't updated a given account in longer than one statement cycle. • Sharing — invite another iCloud user; access is Read Only or Read/Write, revocable. If you have a partner you'd like in on the TestFlight, let me know. • Shortcuts / Siri — Currently only available for updating exchange rates, but stay tuned! • Multi-currency — add a non-primary-currency account and set an exchange rate. • Backup & Restore (Settings) — encrypted .tkbak files, round-trips everything. What to send back: • First-launch friction. If anything is unclear, that's a bug, not user error. • Anywhere the model doesn't match how you actually think about your finances. • Sync weirdness — across your own devices or with anyone you've shared with. • Crashes, hangs, "that number is wrong" moments. Send feedback via TestFlight (shake device, or "Send Beta Feedback" in TestFlight), or hit me up directly. Screenshots > descriptions when something looks off. Genuinely grateful you're here. v0.10.1 patch: fixed exchange rate shortcuts. v0.10.2 patch: removed some dead code that now allows for a better-QAed release process.

Welcome to the Takeout beta! (v0.10) What it is: a net-worth tracker and financial projection tool organized around "households" (a household = a unit of finance, e.g. you, you+partner, a side LLC). Data is stored in your iCloud account using CloudKit — there is no Takeout server, and I can't see your numbers. First-launch checklist: • Make sure you're signed into iCloud (Settings → [your name]). The app surfaces an alert if iCloud is unavailable. • Create a household. Pick its primary currency. • Add accounts (assets and liabilities both — credit cards count). Set an opening balance for each. • Update a balance manually. The chart updates and the Bao mascot reacts. Worth poking at: • Reminders — per-household, with a preferred time of day. Reminders are only sent when you haven't updated a given account in longer than one statement cycle. • Sharing — invite another iCloud user; access is Read Only or Read/Write, revocable. If you have a partner you'd like in on the TestFlight, let me know. • Shortcuts / Siri — Currently only available for updating exchange rates, but stay tuned! • Multi-currency — add a non-primary-currency account and set an exchange rate. • Backup & Restore (Settings) — encrypted .tkbak files, round-trips everything. What to send back: • First-launch friction. If anything is unclear, that's a bug, not user error. • Anywhere the model doesn't match how you actually think about your finances. • Sync weirdness — across your own devices or with anyone you've shared with. • Crashes, hangs, "that number is wrong" moments. Send feedback via TestFlight (shake device, or "Send Beta Feedback" in TestFlight), or hit me up directly. Screenshots > descriptions when something looks off. Genuinely grateful you're here. v 0.10.1 patch: fixed exchange rate shortcuts.

Welcome to the Takeout beta! What it is: a net-worth tracker and financial projection tool organized around "households" (a household = a unit of finance, e.g. you, you+partner, a side LLC). Data is stored in your iCloud account using CloudKit — there is no Takeout server, and I can't see your numbers. First-launch checklist: • Make sure you're signed into iCloud (Settings → [your name]). The app surfaces an alert if iCloud is unavailable. • Create a household. Pick its primary currency. • Add accounts (assets and liabilities both — credit cards count). Set an opening balance for each. • Update a balance manually. The chart updates and the Bao mascot reacts. Worth poking at: • Reminders — per-household, with a preferred time of day. Reminders are only sent when you haven't updated a given account in longer than one statement cycle. • Sharing — invite another iCloud user; access is Read Only or Read/Write, revocable. If you have a partner you'd like in on the TestFlight, let me know. • Shortcuts / Siri — Currently only available for updating exchange rates, but stay tuned! • Multi-currency — add a non-primary-currency account and set an exchange rate. • Backup & Restore (Settings) — encrypted .tkbak files, round-trips everything. What to send back: • First-launch friction. If anything is unclear, that's a bug, not user error. • Anywhere the model doesn't match how you actually think about your finances. • Sync weirdness — across your own devices or with anyone you've shared with. • Crashes, hangs, "that number is wrong" moments. Send feedback via TestFlight (shake device, or "Send Beta Feedback" in TestFlight), or hit me up directly. Screenshots > descriptions when something looks off. Genuinely grateful you're here.