Categories can now be a recurring bill or a spending target with a budget for the month, week, or your pay period — and you can fund them all in one click. Transfers and credit card payments between your accounts are also spotted for you and confirmed in one step. Connecting a bank now imports 90 days of history immediately and works out the starting balance itself, so the account matches your bank without you entering anything.
NewA category is now either a bill, tied to a due date, or a spending category you set a target amount for — so a variable expense like eating out no longer has to pretend it's a bill with a due day. The choice is made directly when adding or editing a category
ImprovedSpending categories with no target for the pay period and nothing assigned, spent or available now collect in a "Hidden" section at the bottom of the budget instead of sitting in the main list as rows of zeroes. Expand it to set an amount and the category moves back up into the list. Monthly view still shows everything, and the envelope exists either way, so a transaction categorised there later is picked up normally
FixedOne-off categories could not be created at all. Adding one appeared to work — the dialog closed — but the category was silently rejected and never saved, because the amount you entered was not sent with it. One-offs now save correctly, and if a category is ever refused the actual reason is shown instead of nothing
FixedSpending targets now scale to the view you're in. A $600-a-month grocery target showed the full $600 inside a two-week pay period, which made every paycheck look unaffordable — it now shows what that paycheck's share actually is, and the month view shows the full amount. Targets set per week, per year, or on a custom cadence scale the same way, in both directions
FixedA spending target now sets money aside every paycheck rather than only in the period it happened to fall in. A yearly target used to ask for nothing for eleven months and then the entire amount at once; one on a custom cadence like every three months behaved the same way
FixedCategories set to repeat every two weeks were counted every week, so a $200 biweekly amount was budgeted as $800 a month instead of $400
FixedA monthly spending target was counted twice in a pay period that crossed the end of a month, showing double its amount
FixedYearly and custom categories with no start date set created a budget shaped like whichever view was open at the time, so money assigned in one view could not be seen from the other
ImprovedBills and spending categories are now listed in their own groups on both the Categories and Budget pages, replacing the old grouping by how often something recurred
FixedYearly categories could not be created at all — the create request rejected them despite the option existing. They now save correctly
NewSpending targets can be budgeted per week, per month, per year, or per paycheck. A per-paycheck target follows your actual pay schedule, so it stays correct if you ever change how often you're paid
New"Fund all targets" assigns money to everything that still needs it in one action, bills first and earliest due date first, and never assigns more than you actually have — if there isn't enough it funds what it can and tells you exactly how much is still short
NewThe category editor shows what a target costs per paycheck as you type it, so a monthly amount is easy to judge against a single paycheck
ImprovedBeing underfunded and being overspent are now shown as two different things, because they are: a bill you haven't set money aside for is a different problem from a target you've gone over
ImprovedProjected Net now accounts for both bills and spending targets that have an amount set, instead of bills alone
ImprovedThe spending history chart now draws your target across it, so you can see at a glance which periods came in over or under
ImprovedA budget amount set for one specific period is now marked as such, so it's clear when a period differs from the category's usual amount
NewTransfers between your own accounts — including credit card payments — are now detected automatically after a sync and offered for you to confirm, with the reason for the match shown so you can check it before accepting
NewDeclining a suggested match is remembered, so the same pair is never suggested again
FixedLinking a credit card payment that came in from your bank now counts it against that card's payment category — previously only manually entered payments did, so the amount set aside for the card stayed too high
ImprovedEntering a transfer no longer needs a separate Transfer mode: name another account in the description field and it becomes a transfer, with the direction and destination taken from that one choice
ImprovedA transfer now shows as a single line in the all-accounts transaction list instead of two near-identical rows; viewing one account, or one category, still shows that side of it
FixedThe bank-side row of a credit card payment now shows the payment category it was applied to, instead of just being labelled "Transfer Out"
FixedA newly connected account showed the wrong balance. Alto used your bank's current balance as the starting point and then added the imported history on top of it, counting that history twice — an account holding $2,000 with $3,000 of imported spending showed −$1,000. The starting balance is now worked backwards from your real balance, so the account matches your bank
FixedConnecting a bank no longer requires a manual sync to pull in your transactions. The import now runs the moment you link an account, instead of waiting for a notification from your bank that had already been sent before the account existed
NewYou are no longer asked to type a starting balance when connecting a bank account — Alto calculates it. The figure is recalculated as the rest of your history arrives from your bank, then settles
ImprovedNewly connected accounts now import 90 days of history instead of 60
FixedConnecting a second account from a bank you had already linked no longer leaves it with no transaction history
ImprovedThe "Starting Balance" transaction is now dated just before your earliest imported transaction rather than today, so it no longer sits at the top of the register ahead of current activity
FixedLinking a bank account to an account you had already created by hand now reconciles it against your real balance, instead of stacking the imported history on top of the balance you originally entered
NewConnecting an account now shows you what it's doing — connecting, downloading transactions, importing your history, calculating your starting balance — with a progress bar rather than an unexplained wait
ImprovedA newly connected account is locked until its setup finishes, and says so. Adding or editing a transaction while the starting balance was being calculated would have quietly folded that change into the balance and lost it
ImprovedA setup that can't finish now releases the account instead of leaving it stuck, and is labelled so you know the import didn't complete
NewConnect as many banks as you like, tick every account you want across all of them, and link them in one step. Each account's name and type is set from a single screen listing them all, instead of a separate dialog per account
ImprovedLinking several accounts from the same bank now imports that bank's transactions once rather than once per account, so linking six accounts takes about as long as linking one
FixedLinking several accounts at once now catches duplicate names up front — banks often return every card labelled the same way — instead of failing partway through
FixedMoney going out can no longer be filed under an income category. It was accepted anywhere a category could be picked, and it quietly inflated Ready to Assign: the payment left your account but counted as neither income nor an assignment, so the budget never saw it. Money coming in can still be filed against a spending category — that's a refund, and it correctly gives you that money back
FixedCredit card payment categories now appear under Bills instead of Spending. They have a due day and a real consequence for missing it, which is exactly what a bill is — being on the wrong side also meant they were left out of the underfunded warning
NewA new "Not in any budget" section on the Budget page catches spending that no category period covers — usually a charge dated before its category's schedule begins. Money like this left your account without any envelope recording it, which quietly made Ready to Assign higher than the cash you actually had, and nothing used to show it
FixedCategories created on the phone lost their due date. The app had no way to say whether something was a bill or a spending category, so every category it made was treated as spending — and a spending category has no due date, so the day you picked was discarded on save. A monthly bill entered on your phone became an undated spending target
FixedEverything set up during onboarding was filed as spending rather than as bills, so a brand-new budget had no bills in it at all — rent and car payments were grouped wrongly, left out of the underfunded warning, and funded last. Existing budgets are corrected automatically
NewThe phone app now has the same bill-versus-spending choice as the web app when adding or editing a category, groups both pages by it, and offers per-paycheck budget periods
FixedA per-paycheck category showed only one occurrence per period on the phone where the web app showed all of them, so a target that recurred twice in a period looked like it only recurred once
FixedEditing a yearly category on the phone couldn't set or correct its annual due date
Improved"Fund all targets" and the "Not in any budget" warning are now on the phone as well as the web app, and a newly connected account is locked there too while its starting balance is being worked out