Release highlights, in plain English

Every figure fits the screen it's on

• Holdings tables that fit. Columns now size themselves to your actual figures: they contract so everything fits on a laptop screen, grow the moment a larger value appears, and never cut a number short — a shortened money figure reads as a smaller, complete one, so it is not allowed to happen. Scroll sideways from anywhere with Shift + mouse wheel.
• Holdings Focus. One click clears the stage: the navigation panel and the summary column step aside so your holdings table has the whole window; click again and everything returns. The Stocks & ETFs page gets the same one-click focus, and every side panel collapses on its own with the same green control the navigator uses.
• Small laptops get the whole dashboard. Below a compact width the summary column stacks beneath your holdings instead of disappearing — the portfolio summary, the insight tiles and every member's totals are always somewhere on the page.
• Updates you can watch. When a new version is available, the app downloads it in front of you, with progress shown, and restarts into the new version when you say so.
• Available cash now accounts for every currency-conversion fee, on every date, in every figure derived from it.
• Every screen in the app was swept end-to-end for text that could be cut off at laptop sizes, and the checks that caught the offenders now run on every change — the automated suite guarding all of this stands at 5,100+ checks.

Money in any currency, exact in all of them

• Reconcile in the currency your broker uses. Portfolio cash can now be checked and corrected per currency pocket — enter the USD figure and the AUD figure exactly as your statements show them, and each pocket is adjusted natively instead of everything being forced through one conversion.
• Not every currency has two decimals. Yen and won have none; dinar has three. Every entry field, threshold and correction across all 46 supported currencies now works in that currency's own precision.
• Changing your base or household currency now tells you exactly what the change does before it happens: where it is free it says so, where it only relabels figures it says that, and where it would corrupt recorded history it refuses — with the reason.
• Household money always wears the household's own symbol. A handful of places could show a family figure with the portfolio's currency symbol — a correct number wearing the wrong unit. Fixed, and gated so it cannot come back.

Pay it down, or invest it?

• Ask it of any debt, free. Paying a debt down returns its interest rate — with certainty, and no tax is due on it. So instead of a projection built on a return nobody can promise, Pulse Neuron gives you the number that actually decides it: what an investment would have to earn, after tax, to be worth more. Whether it beats that is your call, on your numbers. It is a break-even, never a recommendation.
• The pre-tax equivalent is given for each way a return can arrive — growth you hold, growth you realise, dividends — because that depends on what you do, not on an assumption made for you. Jurisdiction-aware for Australia, the US, the UK, Canada and Europe.
• Because it can see your whole ledger, it also tells you when there is a better question to ask: a card charging more than the debt you asked about, a safety net that would not cover a month, or a debt smaller than the spare money you would put against it. And where a figure it needs is missing, it says so, and says what would fill it.
• Where your money is — a new view putting every account, card and debt on one axis, ranked by the rate it earns or costs. Cash sitting at no recorded rate lands below a mortgage, and the gap between those two rows is what a dollar moved between them is worth each year. Your investments sit at the bottom carrying no rate at all, because theirs is the one return nobody knows in advance.
• Credit cards can now carry their interest rate, so the most expensive money in a household is no longer the hardest to see. Leave it blank and the app says “not recorded” rather than assuming zero.
• The Money Story, the Family Dashboard, your wellness score and the daily briefings are now measured from the transactions you actually recorded, so they describe the month you really had. Where that differs from the budget you planned, both are shown — and each figure says which one it came from.

Your month, reviewed

• Month in Review — the unit a household actually lives on now has a moment of its own. Below your week: what the month cost, where it went across your five largest categories, where it was spent, what income was recorded, how that sat against your budgets, and how what you owe moved. Free.
• Week in Review, rebuilt around what you actually did. Every trade is named — who placed it, what they bought, how many shares, what it came to and the brokerage. Dividends and interest are recorded separately, money in and out of the portfolio is shown, and the recorded value change now carries both dates it was measured between so you can check it yourself.
• Honest about what it cannot see. If an account's statements stop before the month ended, the page says so and offers to import the rest. A comparison against last month is withheld — with the reason — rather than computed against a half-imported ledger.
• Market sessions now follow each exchange's own clock, daylight saving included, so a market that is open is shown as open.
• Double-click a .ofx, .qfx or .qif file to import it straight into the app, and right-click the taskbar icon to jump to Today, Import or Refresh.
• Safer again: a snapshot before every update, another when you close the app each day, and a way back if a database ever refuses to open.

All family finance is now free

• The entire family-finance side is now free, on every plan: the Family Dashboard and Money Story, the Transactions ledger, Money Flow for every period, Spending Insights, Budgets, Bank Accounts, Income & Expenses, the Bill Calendar, the Debt Tracker, the Subscriptions Audit, the Asset Tracker, the Net Worth Timeline, and Milestones.
• Bank-statement import is free too — CSV, OFX or QIF, with automatic categorisation and duplicate detection — along with Categorisation Rules and the Review Queue.
• Unlimited family members on every plan, and every member is always counted in every household total.
• The reason is simple: household finance is computed on your device and costs nothing to serve. Pro is the investing side, where the analysis engines and the larger live-price allowance live.
• On the investing side, Free opens the first two members' dashboards and runs one portfolio; Pro opens every member's and adds a second portfolio with switching.

Each person's own strategy, and a calmer worst day

• Allocation and rebalancing now work per member as well as for the whole portfolio — one household, several strategies, each judged against its own targets.
• If the app ever cannot open your data, it now offers to restore your most recent verified backup and restart, instead of pointing at a page you cannot reach.
• Your data protects itself more often: a copy is taken when you close the app, not only when you open it, and the app checks the health of the file itself and says so plainly.
• One click copies a support report — version, plan, the errors you were shown and the last of today's log, all scrubbed before it is copied.

Quieter, clearer, easier to live in

• Pick light, dark, or Match Windows — the app can now follow your system setting, including when Windows changes it.
• Opening the app shows what it is doing instead of nothing: a splash, then plain sentences while your data is backed up and checked.
• The page you are on is explained before you click it: board tiles carry their descriptions, and keyboard focus is visible everywhere.
• The Instruments page is now called Stocks & ETFs, because that is what it holds.

A smarter market-data service, live for everyone

• The service behind the app was rebuilt for efficiency: a price one user fetches is shared with everyone who needs it, a closing price is not re-bought while its market is closed, and busy moments queue gracefully instead of failing.
• This half runs on our servers — every version of the app benefits immediately, no update required.
• Ongoing accuracy and polish passes across the app itself, with the automated test suite now at 4,800+ checks.

Simpler to use, and honest about what it knows

• The app now opens on Today, led by your Runway — how long your money would last if the income stopped, built from your own figures.
• Bank statements that read themselves: drop in a CSV, OFX or QIF and it is categorised, matched to the right bill, and de-duplicated — and it refuses to guess rather than filing something wrongly.
• The whole app reorganised into four plain sections — Today, Invest, Household and Manage — so every screen is at most two clicks away.
• Reports an accountant can use: multi-section PDF and Excel packs plus a one-click tax pack, each figure labelled with the currency it is actually in.

The foundations

• Share-split protection — unrecorded splits are caught and flagged on your dashboard, with a one-click review and fix.
• Statement Check — reconcile your tracked cash against your real broker balance.
• Light and dark themes, the Ctrl+K command palette, and per-member colour identities.
• The Money Story, milestones and celebrations, Data Health, and the full demo portfolio you can explore before entering a single figure of your own.