What’s shipped, in order.

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 If a household has accounts but they've all been archived, the Active tab nudges you back with Add account / View archives buttons.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.