Sinkstack 4.0
• Paycheck Plan: see what to set aside from each upcoming paycheck, computed from your own funds and pay schedule. Book the next paycheck's set-asides in one step or export the plan as CSV.
• Backup & Restore for all your funds, ledger, pay schedule and Payday Bridge plans.
• Next Payday and Quick Actions widgets, a Control Center control and Siri / Shortcuts actions.
• New tab layout and clearer wording throughout.
• Removed the separate StressLab workspace, which used sample figures instead of your data.

A clearer App Store name and search details. No other changes in this update.

Payday Bridge

Payday Bridge projects a dated cash pool so you can see shortfalls before payday, even when the period ends with money left over.

1. Open Payday Bridge from the dashboard. Enter an opening cash amount, desired buffer and 1–90 day horizon, or explore the labeled example.
2. Add dated income and payments. Mark uncertain income, then compare the entered baseline with uncertain income excluded or all paydays delayed by up to 14 days.
3. Inspect the lowest daily closing balance, same-day posting-order sensitivity and exact daily ledger. Save the plan and share its dates and assumptions.

Manual USD planning for one cash pool, with up to 200 entries per plan and 50 saved plans. Amounts are stored as integer cents. Payments-before-income assumes all same-day outgoings precede incoming cash; actual posting order is unknown. Delayed income beyond the horizon is reported separately. No bank account is connected and no payments or envelope-balance changes occur. Include all obligations and avoid counting envelope transfers and their eventual bills twice.

This update sharpens the interface: the iPad layout now uses a centered, comfortable reading width instead of stretching edge to edge, plus small display fixes. iPhone is unchanged.