You're making a smart choice by taking time to understand your money. Thank you for using TVM to plan ahead. This update brings clearer results and easier ways to review your plans.

Clearer loan and savings results

- Payments follow your chosen direction, adding deposits and subtracting withdrawals.
- Debt payoff and savings timelines reflect the cash flows you enter.
- Negative present values and future balances keep their signs in the results.
- Investment losses appear as negative growth or interest, rather than looking like zero growth.
- Withdrawal scenarios show balances without misleading contribution totals.
- Savings goals that require a withdrawal show that payment direction clearly.
- Invalid numbers and impossible timelines give you a clear prompt to check your inputs.
- Use currency amounts, percentages or scientific notation in your inputs.

More useful financial charts

- Follow projected balances, contributions, interest effects and repayment timelines.
- Compare the effect of changing a rate, contribution or savings buffer.
- Compare rates, durations and spending amounts in different units.
- Loan projections use the calculated payment direction to follow the planned repayment.
- Explore negative rates alongside your current rate in comparisons.
- Review detailed statistics for scenarios, tracked plans and spending snapshots.
- Scroll through longer charts with readable dates, axis labels and titles.
- Charts stay available on Free. Projections use your assumptions; saved comparisons show observed patterns.

An easier path through your records

- Find calculators in Workflows, plans in Scenarios, saved results in History and extra tools in More.
- Recalculate a saved item without creating another copy or changing its original saved date.
- Find Spreadsheet, Import and Export, habits and settings in More.
- On iPad, switching More destinations clears the previous detail screen.
- Deleting one record keeps a different record you have selected open.
- Leave a new record without being sent back to its editor when saving finishes.
- A new draft stays saved even if you choose to finish editing later.
- Search and keep scrolling to browse more records automatically.
- Use clearer field labels and Done to finish entering your figures.
- Enter negative values where a calculation calls for them.
- Edit debt figures with fewer interruptions while you type.

More dependable backups and transfers

- Import or export a selected record category in CSV or JSON.
- Matching records and repeated entries are skipped during import.
- Your selected import category stays with the file you chose.
- Saved records and exported files show consistent amounts.
- Move up to 10,000 records per category and import JSON files up to 100 MB.
- Preview up to 250 lines for comfortable browsing. Save to File or sharing keeps the complete included export.

Review habits and Apple Watch

- Choose from ten optional reviews covering spending, payments, goals, retirement, assumptions and calculator learning.
- Follow weekly progress, review points, five levels and ten badges.
- Keep habit rewards inside the app, without outside reminders.
- Use seven Apple Watch calculators independently of your iPhone plan.
- Results come into view after Calculate, and calculation or save errors are easier to find.
- Edit, save and share calculations from watch history.

Fix for opening record cells requiring long tap. Now issue removed.
This update tightens the core TVM workflow from the home screen through export and makes the app feel more complete for day-to-day planning.

- Home now centers around the most common TVM scenarios, including Loan Payment, Mortgage Refi, Car Loan, Future Investment, Debt Payoff, Retirement Income, Savings Goal, College Fund, and Emergency Fund.
- Custom TVM from the toolbar gives you a blank record when you want to build a scenario from scratch.
- Saved scenarios stay on the Home screen so you can compare ideas before changing the inputs.
- The detail screen now keeps the scenario name, solve-for target, PV, FV, PMT, time, and rate in one place.
- Monthly and annual toggles are built into the inputs, and End/Beg timing stays visible while you work through the math.
- The CALC button refreshes the result without forcing you out of the scenario.
- Save keeps the current TVM record and updates the derived values tied to that scenario.
- Randomize gives you a quick draft when you want to test another assumption.
- Reset returns the draft to the saved record so you can recover fast after experimenting.
- Share sends a clean scenario summary with the active input values and the computed result.
- The result card now shows a labeled answer that matches the scenario instead of a plain numeric output.
- The Home list supports search, duplicate, share, and delete actions so saved scenarios stay manageable.
- The list sort order lets you compare scenarios by latest, oldest, name, solve for target, or answer.
- The spreadsheet now acts like a real table with every stored database field shown as a column.
- A local row-number column keeps the record set easy to follow while sorting or paging.
- Header taps cycle through ascending sort, descending sort, and no sort to match the way a spreadsheet usually behaves.
- Pagination keeps large record sets responsive by loading 250 rows at a time.
- The grid stays top aligned so the table feels anchored instead of floating inside a blank panel.
- The toolbar help menu gives you quick access to spreadsheet instructions without leaving the view.
- Stats now groups records by name and shows record counts, averages, and totals for the saved scenarios.
- Stats pages can be shared, which makes it easier to review a set of calculations outside the app.
- Search works across Home, Spreadsheet, and Stats so you can narrow down records fast.
- Export still supports CSV and JSON, and import still brings those files back into the local database.
- Toast banners continue to confirm saves, shares, exports, imports, and deletes.
- iPad split view still keeps the list and detail visible together, while iPhone stays compact and easy to use.
- The app remains local first, with sqlite-backed storage and no account setup.

- The spreadsheet help sheet is easier to reach from the toolbar when you need a quick reminder.
- The row-number column stays tied to the current page, which makes sorted tables easier to follow.
- Stats detail pages still open a share sheet in one tap, so you can review results outside the app.
- CSV and JSON imports keep the same field mapping, which makes round-tripping cleaner.
- Search still works across the major views, so moving between Home, Spreadsheet, and Stats stays quick.
- The local database behavior is unchanged, so records continue to stay on device.
- iPhone and iPad layouts still follow the same core flow, but the screens feel tighter and easier to read.

This release is mostly about removing friction: faster scenario setup, cleaner result labels, a better spreadsheet, and a smoother way to review, share, and export TVM calculations.