What's new
The latest changes and improvements to Wendworth.
- Improved
Recommendations on the right goal
A suggestion now names a goal only when it actually serves it — the right kind of move, into or out of that goal's own accounts — and anything else shows under No goal rather than on the wrong goal. Filter the list by kind: moves, plans or goals.
- New
Plans for a goal's funding
When a goal would be reached much sooner with more going into it, the advisor can suggest changing its funding. Review the change against your goal's funding as it is now, confirm it, and Wendworth then shows month by month whether the transfers are happening — and says so when it can't tell.
- New
Goals worth starting
The advisor now checks three foundations for you — an emergency fund, a plan for high-interest debt and retirement — and when one is missing it suggests the goal itself, not a money move. Set up this goal opens the form already filled in, with the reason for each choice; nothing is saved until you save it.
- Improved
How long your cash would last
Planning’s overview now shows how many months your cash would cover, measured against your lean month — or your emergency fund’s figure if you don’t keep a budget — and says so plainly when it can’t tell. An emergency fund can follow your lean month instead of a number you typed, so its target moves when your essentials do.
- New
Essentials and your lean month
Give any budgeted category an essential — the least it could cost in a tight month — or tap your leanest recent month to fill it in. Your lean month adds them up, counting the full budget wherever you haven’t set one, so you can see what a month really costs when only the essentials are paid. Set them one at a time, or all at once with Set essentials.
- Improved
Recommendations say what matched
When Wendworth finds the transaction that carried out a recommendation, it now says why — the symbols, the amount, the account and when — and flags anything that doesn’t quite fit. A trade is offered once, as the thing you did; only money you moved in from another account is offered, optionally, as where the money came from. Say “Not this one” and that suggestion won’t come back, on the page or in a notification.
- Improved
See who changed what in your household
Settings → Household now keeps a record of who was invited, joined, changed role, was removed or left, and when — for the primary only. A transaction someone else in your household renamed, categorised or noted says "edited by" them. You get an email (and a notification) when someone joins; a person you remove is emailed; and if a primary deletes their account, everyone in the household is told it has closed.
- Improved
Editors in your household can now make changes
Someone you invite as an Editor can now rename, categorise, tag and add notes to your transactions, manage your categories, tags and rules and set budgets — and you see every change as your own. A Viewer is told plainly that changes are for an Editor. Your connections, accounts, syncs and Double-checks stay yours alone: no member can connect, remove, sync, read your bank or move anything there.
- New
Share your Wendworth with your household
From Settings → Household, invite the people you share money with by email — as a Viewer, who sees everything, or an Editor, who can also change transactions, categories, tags, rules and budgets. They sign in with that address and a second factor, accept, and see your accounts, transactions and budget through their own sign-in. You stay the primary: only you connect accounts, change roles or remove someone, and a removal takes effect on their very next request. One household per person, and nothing is ever merged.
- Improved
What I’ve learned, without the repeats
Skipping two suggestions with the same note no longer leaves you two cards: a rule you already have is reinforced (its date moves out), one you already said no to isn’t asked again, and a duplicate that slipped through shows “You already have this rule” with one Dismiss. Each rule now says plainly whether the advisor is told about it or suggestions are held back automatically, a rule can have no end date, and undoing a skip takes its proposal with it.
- New
Look inside any budget row
Every budgeted category and expected income source now ends in a chevron. Open it for six months against the budget you had in force then, the month’s largest transactions, and a link to all of them — and pressing Enter on a segment of the plan’s bar opens its row.
- New
Hide a duplicate for good
When the Double-check shows two of the same charge, “Hide as duplicate” takes one out of every figure and list — and it stays out through every sync. Transactions → Audit lists what you hid, says if the copy you kept is later withdrawn, and brings any row back with one tap.
- New
A Double-check on every transaction, and an audit of the pairs
Every bank transaction now has a Double-check that reads the bank’s current record and shows it beside ours — account, date, amount, the bank’s words, pending or posted, the ids — with a plain verdict. Transactions → Audit lists the rows that may be the same charge twice, or on a different account than the bank says, grouped by how strong the signal is; a misfiled row can be moved to the right account, with Undo.
- Improved
The bank’s own words on every transaction
Transactions now show what the bank actually sent — “bank: DCMG CEDAR PARK” under a row named Dcmg — whole, on the row itself. Where a row still carries only Plaid’s shorter name it says “listed as” instead, and the bank’s own string arrives as your bank re-sends the row. Your own names for rows are untouched.
- Improved
See all of what you’re asking the advisor
The box where you type to the advisor now grows with your message, up to eight lines, so a careful question is in view while you write it. Enter still sends and Shift+Enter still starts a new line.
- Improved
The budget page keeps your figures in view
Scroll the budget and the heading stays, carrying what is left to budget and left to spend. The plan's bars settle in as the page arrives, each category's bar marks your three-month average and today, a phone gets chips that jump to Income, Spending and Not budgeted, and every month in History opens that month's budget.
- Improved
Your budget, drawn around the plan
The budget page now leads with the plan: what you expect to earn, what you have budgeted, and what is left to budget — with money in and money out drawn on one scale, each budget filled to its own spending and today marked. History moved below your categories, and the Budget card on your home page says what is left to budget too.
- Improved
A new mark: the bow tie
Wendworth's icon is now a bow tie — the personal advisor as a modern butler — on the app's cream. You'll see it on your home screen after the app refreshes, in the browser tab, in the header and in the emails we send.
- Improved
Faster pages, and a second factor for AI access tokens
Every page used to ask our sign-in provider who you are two or three times; it now checks that on our own servers in one step, so pages respond faster. Creating an AI access token now asks for a verified second factor, because a token never expires.
- Fixed
No AI button where there is no AI
A transaction’s “What is this?” panel offers “Ask Wendworth AI” only when the AI module is on. It used to show the button regardless, and pressing it without the module led to an error instead of an answer.
- Fixed
No means no for what the assistant remembers
When you tell the assistant not to remember something, it is dropped at once — it no longer waits on your About-you page for you to say no a second time. Answering it on About-you now settles the assistant’s card as well.
- Fixed
Your connected accounts fit on a phone
On a connection’s page, each linked account is now a card on a phone — its balance beside its name and its switch underneath — instead of a table that ran off the edge of the screen. The pencil to rename an account is always there to tap.
- Improved
Undo works on a recommendation that has a result
A completed recommendation with a measured result now has an Undo too. Because reopening unlinks the transactions it was matched to, Wendworth asks first whenever anything is linked — on its page and from the card — and the measurement stays on record. Every reopen now says “Reopened.”
- Fixed
Chart labels are easier to read
The axis values, month labels and captions on your goal, report and income charts were drawn in a grey too faint to read comfortably in light mode. They now use the same secondary text colour as the rest of the app, and so do the step timings in the assistant’s answers.
- Fixed
Removing an account no longer shuffles the table
When you remove an account you added yourself, Wendworth now asks underneath it — and says that its balance history goes too — instead of squeezing the question into the row and pushing every column sideways.
- Fixed
Your totals fit on a phone
On a phone, the Assets, Liabilities and Net worth figures above your accounts now sit in rows, so a large total no longer runs off the edge of the card.
- Improved
Accounts you add by hand get a proper page header
An account you added yourself now opens with its name, what kind of account it is, and a link back to your accounts — just like a connected account’s page.
- Improved
Dismissing a possible duplicate account can be undone
When you dismiss “You may already track this account”, Wendworth now shows it’s working and tells you when it’s done, with an Undo for a few seconds. And nothing is lost after that: the account you added by hand keeps a quiet “May be the same as… · Link them” line, so you can link the two whenever you’re sure.
- Fixed
A new budget line no longer saves itself empty
After creating a category from the budget or a transaction, the amount field could lose its focus for a moment and show “Enter an amount of zero or more” before you typed anything. It now keeps the focus until you’re done.
- Improved
Guides to recommendations and transactions
The Docs in your account now explain recommendations from start to finish — deciding on one, linking what you did and what a move bought, and how it turned out — and how transactions work.
- Improved
Your recommendations show what a move bought
A done move on the Recommendations list now says what its money bought and what stayed as cash, right on the card — one buy named, several counted.
- Improved
The advisor learns from what your moves bought
When money you moved went on to buy something, your next analysis, your goal reports and the assistant now know what it bought and what stayed as cash — so the advice that follows builds on what actually happened. Your advisor export includes the transactions you linked, too.
- Fixed
See what a move bought before you link it
A suggested transfer on a recommendation now pairs the right withdrawal — a card purchase is never mistaken for one — and lists what the money bought, with what stays cash. One tap links the move and its buys together.
- Fixed
An old tab tells you when Wendworth was updated
A tab left open while Wendworth is updated now says so, with a Reload button, instead of quietly failing to save your next change. If a change could not be saved, it tells you that too.
- Fixed
A swap is measured by what it bought
A recommendation to sell one holding and buy another is now scored on what you bought with the money, compared with keeping what you sold — it used to count the sale as if the money had sat in cash. New swaps are filed as one rebalance that names both holdings.
- Improved
A scoreboard you can read
The recommendations scoreboard now shows its score by action — sales, buys and moves, each with what it was measured against. A done recommendation shows the range it promised and whether it landed within, above or below it, or whether it is still too early to tell.
- Fixed
Rules you can check before they file
“Review them” in a rule’s editor now opens its past matches right there to tick and untick, instead of filtering the list behind it. Rules that never filed their past matches say so on the Rules page, with a Review button, and saving a copy of a rule you already have points you to that rule instead.
- Improved
The advisor learns from what you did
Every new analysis now sees how its past recommendations went — which you acted on, skipped or let expire, how long you usually take, and how its results compared with what it expected — so its next suggestions fit how you actually act.
- Improved
See how each recommendation really went
Every recommendation is now measured the way its action deserves — a sale against keeping what you sold, a move by the interest it earned, a debt payment by the interest it saved — and its page says in one sentence what was compared. Ones you marked done without linking a transaction show an estimate you can make exact by linking it.
- New
Your manual accounts keep their history
Wendworth now records a manual account’s balance once a day, and whenever you save a new one, so its page shows how it has moved over time. Goals that count manual accounts or all your cash fill in their recorded line from these daily figures too.
- New
Move a goal and see when you get there
A savings, debt or net-worth goal now charts its balance so far and where it’s heading. Drag the slider to try a bigger or smaller monthly amount: the line, the month you finish and the sentence beneath move together, and nothing changes until you edit the goal. Savings goals show the money going in each month, and debt goals the payments.
- New
Apply a rule to your past transactions
When you save a rule, Wendworth now shows the past transactions it matches, month by month, before it files any of them. Untick any it shouldn’t touch — it remembers them and never files them, and you can hand one back from the rule’s editor. Saving also runs your budget’s alerts, as a sync would.
- New
See what a budget bar is made of
Every category in the budget’s spending breakdown now opens its transactions over the same months, headed by the bar’s own figure and the refunds it nets. There’s a 1M range for the month you’re viewing too. On a phone, tap a bar once for its figures and again for its transactions.
- New
Budget $0 for a category
Plan to spend nothing on something: set its budget to $0. It reads $0.00 left until the first purchase, then shows as over by exactly what was spent — with one alert the first time, never “80% of” nothing — and it stays a budget, unlike removing one.
- New
A move is scored by what it bought
Once you link the buys a moved-money recommendation paid for, “How it’s doing” scores it: the buys at what they are worth now, plus the cash left over at its account’s rate, compared with what the money would have earned where it was. A rate Wendworth doesn’t know is never counted as zero — the page says what it left out.
- New
See what a move bought
When a recommendation moves money into an investment account, its page now shows what that money bought. Link the move, and Wendworth suggests the buys you made with it — even ones your broker recorded before the deposit — so one tap shows “$194.16 of $200.00 invested · $5.84 still cash”. Those buys are marked “Invested for a recommendation” in your transactions.
- New
Trends on your budget
Your budget page now shows how the months compare: income against all your spending for the past year, with the month still in progress marked “so far”, and where the money went over the last 3, 6 or 12 months. Hover, tap or use the arrow keys for a month's figures; the same numbers sit in a table under each chart.
- Improved
Your bank accounts' charts reach back further
A bank account you connected recently no longer charts only the weeks since. Wendworth now works the rest of the chart's twelve months out from the account's own transactions, as far back as your bank's history goes, and draws that stretch dashed so you can tell it from the balances your bank reported — the tooltip and the table under the chart say which figures are estimated. It only does this when the balances your bank did report agree with their transactions.
- New
An account's balance, with what moved it
Every account's page now charts its balance over the last twelve months, with its larger transactions marked on the line — up for money in, down for money out. Hover, tap, or use the arrow keys to see a day's balance and the transactions behind it; the same numbers sit in a table under the chart. The bar for “larger” grows with the account, so a busy account stays readable on a phone.
- New
Add or remove accounts at a bank you have connected
A bank you have connected now has “Add or remove accounts”. It opens the bank’s own account picker on the connection you already have, so an account you opened since joins it without anything being counted twice. An account you stop sharing — or that the bank stops listing — keeps its history and its last balance and says “No longer shared” instead of looking live. “Connect an account” now lists the banks you have already connected, each a link to its card.
- Fixed
A note reads the way it was written
An advisor answer saved as a transaction’s note showed its asterisks and list markers, and a long note ran to eight lines in the table. A note now renders its bold, lists and links — each link naming the site it opens when its words do not — and one longer than three lines folds with a quiet “More” beside it — on a phone too. Notes you type work the same way.
- Fixed
A tall panel scrolls, not the page
Open “What is this?” on a row near the bottom of a long list and the panel’s lower half was out of reach: the page scrolled instead and the panel followed it. A panel taller than the room it has now scrolls inside itself, on a desktop as it already did on a phone.
- Fixed
Re-adding a bank no longer doubles its accounts
Connecting a bank you already had — to pick up a new account there — created every account a second time, with two mortgages counting toward your net worth. Now the connection you already have takes over the new authorization: your accounts keep their names, typed details, history and notes, the new account is added beside them, and the old authorization is removed at the provider. The toast says what happened.
- Fixed
A swap counts both halves
When the advisor suggested swapping one fund for another, “What fulfilled it” offered only the sale and read “$0.00 of $400.00 matched” — the purchase it paid for, the same day in the same account, was never offered. Now the sell and the buy are one card (“Sell IVV $399.98 + Buy JEPI $400.00”), “This is it” links both, and the move counts once toward the amount. Recommendations fulfilled by a single transaction are unchanged.
- Fixed
A card's rate is one you pay, and every rate says so
The rate editor on a credit card or a mortgage described a brokerage account — “your income rate, overriding the derived dividend/coupon rate”. It now says what a debt's rate is: the rate you pay, and what paying it down is worth. A savings account's rate card is titled APY, as its editor and the accounts list already were, and the goal form's “add an account” names the rate for the type you pick — and offers none for a house. Every word about a rate now comes from one place, so the kinds can't drift apart again.
- Improved
“What is this?” can ask the advisor
A row’s explanation now has room to breathe (its text sat flush against the panel’s edge), and “Always do this” says what it does: it reads “Make a rule…”, with a line explaining that a rule files every future row like this one and that you read it first. And when the facts aren’t enough — what a cash sweep is and why your brokerage does it, who an unnamed merchant is — “Ask the advisor” opens the assistant on that row with the question already asked; it researches, answers, and offers the answer as the row’s note. One model call, only when you press it, and the panel says so.
- Improved
The rate your card actually charges, and a due date that keeps up
A credit card's Interest rate card now shows the rate worked out from the interest the card actually posted, beside the rate you typed and never over it — and says why when there aren't enough charges yet. A due date that has passed reads as next month's, with a line saying it moved on; the date you typed stays yours to edit.
- Improved
Percentages are typed the same way everywhere
Four places ask you for a percentage — an account's rate, your share of a jointly-owned account, the inline rate editor, and a goal's assumptions — and no two of them looked alike: one showed no per cent sign at all, one put it in the label, one put it inside the field, and only two lined the digits up. All four now show the % inside the field with the figures right-aligned, so a rate reads the same wherever you meet it. “Your share (%)” is now simply “Your share”, because the field says the rest. The advisor's goal review also gives its paragraphs a comfortable line length rather than running the full width of the page.
- New
How much of your card is in use
A credit card's page now shows how much of its limit is in use — in words, against the 30% line lenders read — with what's available and where the limit came from. A connected card fills it in from the bank; you can set your own and still see what the bank reports; a manual card takes one field. The accounts list carries the figure under the balance, and the advisor can quote it.
- New
Start a new conversation with the advisor
A square-pen in the advisor's header — and the first row of History — puts the conversation you are in down and opens an empty one, on the page you are on. Nothing is created until your first message, the earlier conversation stays whole in History, and if it left proposals waiting the new one says so and takes you back. Reopen a conversation more than a day old and one quiet line offers a fresh start instead of deciding for you.
- New
Expected income, beside your plan
The Budget page now has an Income group above your spending: say what you expect from each source — your paycheck is a category you create, and a rule files the deposits into it — and see what has arrived against it, what is still to come, and when a month brought more than you expected. One line under the summary says how much of what you expect isn't budgeted. The assistant reads it too, and can propose a change to an expected amount for you to confirm.
- New
Make a category right where you need it
When a transaction fits none of your categories, the row's category list now offers to create one. A short step in the same panel has the name already typed and the kind already chosen from whether the money came in or went out; one button creates the category and files the row under it, and it is offered on every other row straight away. Add a budget offers the same, and takes you straight to the new category's budget row.
- Improved
Your average sits beside every budget
Each budgeted category now shows what you actually spend on it over the last three full months, right under the amount you set, and the editor names the exact figure while you change it. A category you only started using this month no longer says there is nothing to go on: the list shows what has been spent so far and the new budget starts from it. Setting a category on a transaction reaches the Budget page straight away.
- Improved
A bank connection that doesn't finish tells you which bank, and where it stopped
If a bank's sign-in page fails to load or you close it partway, the Connections page now says which institution it was and where it stopped, with a reference you can give the bank or Plaid. If you did finish at the bank but the way back to Wendworth was lost, the connection is completed on your next visit instead of being forgotten.
- Improved
Your reports remember what you told the assistant
A fact you told the assistant in chat — that you plan to retire at 60, say — shaped only your next answer. Your analysis and your goal reports now read the same memory, so you do not have to repeat yourself. The About-you tab shows what each memory has shaped: answers, reports, or both.
- Fixed
A cash plan comes back whole
Asking where a lump of cash should go sometimes returned an error, or a plan with nothing in it. The advisor is now asked to name the account funding each line as it writes it, has room for a longer plan, and is asked what a line meant before that line is dropped.
- Improved
Your brokerage history gets corrected, once
The next time each brokerage connection syncs, Wendworth re-reads its full history and brings the transactions you already have up to date — a corrected amount or a clearer description — while leaving alone everything you renamed, noted, categorised or tagged. Old activity is never shown to you as new.
- Fixed
Analyze now is where Planning says it is
The Planning page's first steps pointed to an Analyze now button above them that wasn't there — now it is, and it starts a fresh analysis of all your accounts. A cash plan also says plainly why a line was held back, and the counts beside tabs are easier to read.
- Fixed
Every line of a cash plan says where the money comes from
When Wendworth drafted a plan for putting cash to work, a purchase could appear without the account paying for it. Now the advisor is asked which of your cash accounts it meant, and a line it still can't fund is held back and counted in the plan's note rather than shown.
- New
Ask what a transaction is
Every transaction now carries a quiet “What is this?”, and it opens a panel that says in plain words what the row is — a cash dividend from a company you hold, a sweep between an account and its yield programme, money in that your bank described only with its own reference string. Most rows are answered from what Wendworth already knows, with no key and no cost. Where they can't be, you can ask Wendworth AI — it tells you exactly what will be sent and asks first, and when it still can't tell, it says so instead of guessing.
- New
Re-run a report with your note
Tell the assistant something your accounts cannot show it — a bonus arriving, an account that is your employer’s, a constraint that applies this month only — and it offers to run the analysis again with that in mind. Nothing runs until you confirm, and you can correct the note it heard before you do. The new report quotes what you asked for, links back to the report it came from, and carries on the same conversation; the report you were reading is left exactly as it was written.
- Improved
Ask about the report you are reading
Open the assistant from a report and it knows which one you mean. Ask why a goal is behind, or what changed since last month, and it answers from that report instead of starting from scratch — and it can look up your earlier reports too.
- New
Rules — file a transaction automatically
Say once that “Pedernales Elec” is Electric, and every future bill lands there — along with the ones already stored, if you want them. A rule matches what the bank actually sent, files it under a category, and can give it a name and tags of your own. Your own choices are never overwritten: a category you set by hand stays yours, and editing a row a rule filed takes it back from the rule for good. Rules are an ordered list and the first match wins, so you can say which takes priority — by keyboard as well as by pointer. A row a rule filed says so, and opened, names the rule that did it. Deleting a rule asks what should happen to the rows it filed, and keeps them unless you say otherwise. Find them at Settings → Rules, or just change a category: if that merchant recurs, Wendworth offers to make it a rule right there.
- Improved
Recommendations always name the account and the amount
Fewer recommendations are held back. The advisor now has to decide which account and how much for every recommendation, and when it still leaves one out, it is asked to fill it in from your accounts before you see it. Anything still held back says the real reason — a rule you set, with a link to your rules; a missing account; an account that isn’t yours; or a missing amount.
- Improved
A brokerage row says what it is
A dividend your broker describes only as “Cash adjusted” now reads “Dividend · DUK”, with the company’s name beside it; a contribution reads “Deposit” instead of repeating its own amount; and nine kinds of activity that used to read “Activity” with no category — tax, rewards, splits, option events, treasury-bill and external transfers — are now named and filed. When your broker sweeps cash in and out of a yield programme it reports two entries that cancel; both now read “Cash sweep” and count as neither money in nor money out. A credit-card payment is filed as a transfer on both sides, so a card’s purchases and the payment that clears them are no longer counted twice in your spending — which may lower the totals you see. Your own names for rows are untouched, and what the bank or broker actually said is still one click away, on the row.
- New
A budget for the month
Give a spending category a monthly amount and the new Budget page shows, for any month, what you planned, what you have spent against it, what is left, and what was spent outside any budget — with a mark on the bar at today’s point in the month, and a line saying whether what came in covers the plan. An amount applies from the month you set it in until you change it, so next month carries this month’s plan and last month keeps what it had. Change a figure where you read it, start from your last three months’ averages, and click a category to open exactly that month’s transactions. A Budget card joins the home page.
- Improved
A recommendation records how you paid for it
If you moved cash into an account before buying, that transfer is now offered alongside the trade — as what funded the action, not as part of it. It is listed separately and never counted toward the amount, so a $322 transfer that paid for a $340 buy still reads $340 of $340. A recommendation you have already finished will still accept one, which matters because a transfer often syncs after the trade it paid for.
- New
Tell the advisor when something didn’t go through
A recommendation you tried and couldn’t complete — a transfer your bank rejected, an order that never filled — left you with two wrong answers: mark it done, which isn’t true and leaves Wendworth waiting for a payment that will never arrive, or skip it, which says you chose not to. There is now a third: “It didn’t go through”, on the recommendation and on its card, with room to say what happened. It records the attempt without inventing a rule from it. The recommendation’s history also says how it ended — replaced, expired, or didn’t go through — instead of showing an unfinished checklist.
- Improved
Deleting a category asks where its transactions go
Deleting a category you added used to leave every transaction filed under it with no category at all, and the warning counted only the last 90 days. Now it counts all of them and asks: move them to another category, or leave them uncategorised — your choice, stated before anything changes. Whichever you pick, the message afterwards says what happened to the transactions, not just to the category.
- New
Your bank’s rate, worked out from the interest it pays
A connected current or savings account used to show no rate at all unless you typed one — even while the bank was posting interest every month. Wendworth now works the rate out from those payments: each one against the balance it landed on, annualised, averaged over the last few. It appears on the account and in your accounts list, and it says where it came from. A rate you set yourself still wins, and is shown beside the derived one so you can compare them. Until two payments have landed there is no figure, and the page says so rather than showing a zero.
- New
Every account’s transactions in one place
A new Transactions page, between Accounts and Planning, lists the transactions from every account you have connected in one table, newest first. Each row says which account it came from, under the name you gave it, and the name takes you to that account. Search, filter and tag exactly as you do on an account’s own page — and add an Account filter to look at just one.
- Fixed
Revise from a recommendation's page, and a steadier advisor panel
“Revise” now appears on a recommendation’s own page, before Skip, wherever it applies — it was only ever on the cards. In the advisor panel, clearing the “Looking at” chip keeps your next message in the conversation you are reading instead of a different one, “Not right” shows its own working state, an error from a failed turn no longer follows you across the app, and screen readers are told when an answer arrives and when a suggestion is waiting.
- Fixed
A transfer's two ends now pair across a weekend
The withdrawal and the deposit of one transfer were recognised as one move only when they posted within a day of each other. A bank and a brokerage often settle on different days — a Friday deposit and the Monday withdrawal behind it are the same money — so the two ends now pair when they post within five days, and the recommendation page and the sync notification name the move with both accounts instead of offering one end alone.
- New
Rename, merge and delete your tags
Settings now has a Tags page listing every tag with how many transactions carry it. Rename one and it changes on every transaction at once. If two tags mean the same thing — #tax2026 and #tax-2026 — merge them: before anything happens you see how many transactions end up with the tag you keep. Delete one you’re done with, and it comes off its transactions without changing anything else about them.
- Improved
Change a transaction right where you read it
A transaction’s name, category, tags and note are each changed where they are shown: click the name to rename it — with the bank’s own wording beside it — or the category, a tag or the note to change that, and nothing on the page moves when a list opens. Filtering is simpler too: one search, the period, and a chip for each filter you have applied, so you can see at a glance what is on and take any one off.
- New
Tags: what a transaction is part of
A category says what kind of money something is, and each transaction has one. A tag says what it is — a trip, a claim, a year’s taxes — and a transaction can carry as many as you like. Type one on any row to create it, and it is offered on every row after that. Click a tag and the table shows only those transactions, with what they add up to beside the count — across every page, not just the one you are looking at — so “what did the trip cost” is a question you can now answer. The advisor reads your tags the way it reads your notes.
- Improved
The notification after a sync names the move
When a sync brings in the transaction that fulfils a recommendation you marked done, the notification used to name one row — “Withdrawal · −$1,200.00” — with no account on it. Now it says what the recommendation page says: “$1,200.00 moved from High-Yield Cash to Treasury Account on Sep 12”, or which account a lone deposit landed in. A move into the wrong account, or the other end of a transfer you already linked, never notifies.
- Improved
Linking a transfer: the two ends are one move
When a recommendation moves money between two of your accounts, the withdrawal and the deposit used to show up as two separate candidates under “What fulfilled it”, with no account on either — and linking both counted the move twice. Now they arrive as one card naming both accounts and which end of the move each is; one press links both, the amount counts once, and unlinking takes both away together. Every candidate now says which account it is in, and a weaker match folds away with the reason.
- Improved
A transaction row now says the merchant first
A list of transactions used to lead with the kind of transaction, so six rows in a row could all read “Withdrawal” while the shop, the utility or the lender sat in small grey text underneath. Now each row is headed by whatever tells you what it was — the name you gave it, else the bank’s, else the ticker on a trade — and the kind moves to the quiet line below, beside the category. Dates from this year drop the year. And the two things you change most often are now editable on the row itself: click the category to pick another, and add a note without opening anything.
- Improved
Find any transaction: search, filters and real pages
A connected account's transactions are now a proper table. Search them, filter by type, category, period, direction or amount, sort by date or size, and move through numbered pages instead of pressing “Load more”. Everything you pick is in the address, so the back button works and you can send someone the exact view you are looking at. On a phone the filters fold behind one button that tells you how many are on.
- New
Edit a transaction: your title, your category, a note
Every transaction on a connected account now has a pencil. Give it a name you recognise — the bank's original stays underneath — put it in one of your categories, and add a note. Your edits survive the bank correcting or re-posting the transaction, and the advisor reads them: it calls the transaction what you do and takes your note as fact.
- New
Categories you own
Every transaction from a connected bank now lands in a category from the first sync — Groceries, Rent & utilities, Salary, Transfer and the rest — and under Settings → Categories you can rename or hide any of them and add your own. Each category has a kind, so a transfer between your own accounts never counts as spending in reports or in what the advisor reads.
- Improved
The advisor knows your loan terms
Ask when a mortgage or loan clears at the minimum and the advisor answers from the terms you recorded and a payoff the app works out with the interest included — never the balance divided by the payment. Reports and recommendations see the same figures, and where a minimum payment is missing the advisor says so instead of guessing.
- New
Loan terms on a connected mortgage
A mortgage, car loan or card you connected through your bank now has a Loan terms section on its page — what you borrowed, the term, the minimum payment, when it's due, and the taxes and insurance inside the payment. Add them once and the advisor can work out a real payoff date instead of dividing the balance by the payment; a sync never overwrites what you typed.
- Fixed
No stray markup in advisor answers
An answer could end with a run of the model's own formatting — a closing tag and a block of citation data — instead of stopping at the last sentence. The advisor now asks the model to answer again when that happens, and if it is out of turns it trims the answer and keeps the citations where they belong.
- Improved
The advisor says what it's doing
While the advisor works on an answer, it now tells you what it's doing right now — reading your accounts, checking market data — in place of a bare list. When the answer arrives, its steps fold to one line you can open to see what it looked at and how long each took, on new answers and old ones alike.
- New
Change a recommendation from the chat
Tell the advisor what should be different — a different account, a different amount — and it offers a replacement with the old and new side by side. Confirm to swap it in; the original stays in your history as superseded. Before, the advisor could only say it couldn't.
- Improved
The Advisor is a button in the corner
The advisor's launcher moved out of the header and into the bottom-right corner of every page, where it stays in reach as you scroll. It shows how many suggestions are waiting, steps aside while the panel is open, and ⌘K still opens it.
- Improved
Goal cards give the trend chart the room
On the goals list, a goal's trend chart now stretches across the card beside its figures instead of sitting in a narrow strip, so the recorded line and the projection are readable at a glance.
- Improved
Advisor answers keep their formatting
Bold text, numbered steps and bulleted lists in an advisor answer now render as such instead of showing their markdown symbols. The deploy-cash confirmation also says plainly what saving does: how many recommendations it adds, to which goal, for how much.
- Fixed
Your income chart records a point every day
An income goal's recorded-income line only ever gained a point when a full analysis ran, so it could stay empty for weeks. It now records one point a day on its own, and whenever you run a goal report or open the goal. Where the history starts after the goal was created, the chart says so instead of leaving the stretch blank.
- New
Read a goal's past reports
Every report in a goal's Report history is now a link. Open one and the goal page shows what the advisor said then — its verdict, summary and observations — with a note saying which report you're reading and a way back to the current one. Today's figures stay today's.
- Fixed
The Advisor panel no longer scrolls sideways
Opening the advisor on a recommendation with a long title could shift the panel's contents left behind a horizontal scrollbar. The panel now keeps to its own width and shortens the title with an ellipsis instead.
- Improved
Read the income trajectory chart month by month
An income goal's chart now has dated rulers — months on the recorded side, years on the projected side — a line at the goal's creation, and amounts down the side. Hover, tap or use the arrow keys on it to see any month's figure and whether it was recorded or projected. It stays legible on a phone.
- Improved
A goal's status line stays on one line
On a goal's page the line under its name — its verdict and the date of its latest report — no longer wraps beside the Edit, Deploy cash and Run report buttons. The model that wrote each report is now named on that report's row under Report history.
- New
Put cash to work toward a goal
On a goal's page, choose Deploy cash… and say how much. The advisor drafts a plan that fits the amount, which you can pin, edit, trim or re-plan in your own words — and nothing is written until you save it. A saved plan becomes recommendations on that goal. You can also just tell the advisor an amount and a goal, and it will offer to draft the plan.
- New
Connect a bank or brokerage from the Add account page
Adding an account now starts with the choice that keeps it current: connect it, and its balances and transactions follow on their own. The same picker you would find under Settings sits at the top of the Add account page, with the manual form beneath it for anything you would rather enter by hand.
- Fixed
The assistant always finishes its answer
Once in a while the assistant would look everything up and then reply with just “...” or half a sentence. It had worked the answer out; it simply never came through. It now hands the finished answer over in one piece, so what you asked for is what you get.
- Fixed
Being asked for a second factor now makes sense
When a protected area sends you to set up or confirm a second factor, the page now says which area asked and takes you straight back once you have. The QR code for an authenticator app is a QR code again, rather than a line of markup above one. And an enrolment you abandon — closing the tab, pressing Cancel — no longer blocks the next attempt with a message about a factor you were never shown. If you try to remove a factor you haven't confirmed in this session, you're asked to confirm it first and brought straight back.
- New
Record what a property costs you — and what it pays
A house, a flat or a car can now carry what it costs to hold for a year — property tax, insurance, upkeep, HOA fees — and the rent it brings in. If a mortgage secured against it escrows your tax and insurance, that part isn't counted twice, and Wendworth tells you so. Rent counts as real income toward an income goal, and "Rent" is back as something a goal can be built from. What you won't see anywhere is a percentage: rent over what a place is worth looks like a return and isn't one, so Wendworth shows what the rent nets after costs and stops there — on the property's own page, in your report, and on both goal charts. These are your figures, and it says so rather than passing them off as its own.
- Improved
See what you own at a glance, and what changed when
Your accounts page now shows assets, liabilities and net worth as three figures instead of one unlabelled total, with accounts grouped by kind. A property's value draws as a chart spaced by date, so a gap of two years doesn't look the same as a gap of a week. And when you add something you already owned — a house, a car — the net-worth chart marks the day you added it, so the jump reads as "I started tracking this" rather than "I suddenly got richer". Nothing in your recorded history is rewritten to smooth it over.
- Improved
The Privacy Policy now names every company your data can reach
When an AI feature looks into something you hold, it asks outside market-data and research services — and the policy did not name them. It does now: eleven data providers, which receive a ticker symbol or a data-series identifier and never your name, your balances or your account details, plus Tavily for web search, which receives the search wording the model composes from your question.
- New
Your share of it, and what you still owe on it
Own a place with someone else? Set your share and your totals count only that part, while the value on record stays what the whole thing is worth. You can also link a mortgage to the home it bought, or a loan to the car, and see your equity — what it's worth, what's owed against it, and how much of the value the lender still has a claim on. If you owe more than it's worth, Wendworth says so in plain words instead of a red minus.
- New
The advisor can see where your everyday money goes
Connect a bank and the advisor now works out a summary of your spending — by category over the last 30 and 90 days, with what came in, what went out and the difference — and reasons from that. Money held at your broker is deliberately left out, so buying shares is never counted as spending. If you have no bank connected it says so, rather than reporting that you spent nothing.
- Fixed
Connecting a bank no longer hides your investments
A current account produces far more transactions than a brokerage, so after connecting one your trades were being pushed out of the recent activity the advisor looks at — and it could no longer tell that a suggestion you had acted on was done. It now looks at investment activity when searching for a trade. Separately, "Load more" on an account no longer stops early on a busy day.
- New
Track what you own, not just what you owe
A house, a car, a boat or a collectible can now be added as a property account, with its value recorded as of a date rather than as a single figure that quietly goes stale. The most recent valuation is what counts toward your net worth, and adding an older one files it in place without changing today's total. Wendworth never guesses what your property is worth and never depreciates it for you — if a valuation is more than a year old it says so and leaves the number alone. Property counts toward your net worth but is kept out of the invested split, so the advisor won't treat your home as money you could put to work, or suggest selling it.
- New
Connect a bank, not just a brokerage
"Connect an account" now asks where the account is held and offers two answers: a brokerage, or a bank or credit union. Choosing a bank hands you to your own bank's sign-in page and brings back checking, savings, CDs, money-market accounts, credit cards and loans — read-only, as always. A card or a loan counts against your total rather than towards it, and bank transactions show their category beside the description.
- New
Connecting a bank you already track no longer counts it twice
If you have been tracking an account by hand and then connect the bank it lives at, a card above your accounts names both and offers to link them. Your account is the one that survives — it keeps its name, its history and any rate you set, and simply starts updating itself, so a savings goal or debt payoff pointing at it carries on working. If the two really are different accounts, dismiss it and it stays dismissed. While a possible duplicate is unresolved, your daily net worth pauses rather than recording a day that counts the same money twice.
- New
Your debts now have real terms — and real payoff dates
Add a mortgage, car loan or credit card and you can record its interest rate, what you originally borrowed, the term, the minimum payment and when the next one is due. Payoff dates are now worked out properly instead of dividing what you owe by what you pay — a $300,000 mortgage at 6.5% used to come out as thirteen years when it is thirty. Choosing Avalanche or Snowball now genuinely changes the date and the interest you’ll pay.
- Fixed
A card or loan no longer loses its interest rate when you save
Editing a credit card or loan used to silently erase its interest rate the moment you pressed Save, even if you changed nothing else — and there was no way to type it back in. Both halves are fixed: the rate is editable on any debt, and it survives a save. The accounts list also stops calling a card’s 21.99% an “APY”, which is a rate you earn, not one you pay.
- Improved
Things you can’t readily sell no longer count as money to invest
Anything the app can’t readily sell — a house or a car recorded as an “Other” account — is kept out of the invested share of your money, so buying a home no longer makes a retirement goal look nearly finished. Your report shows a third slice, “Property & other”, so the percentages still add up instead of leaving most of your assets unexplained. The advisor also won’t suggest selling one, and says so plainly if it tried.
- New
See what the advisor knows about an account, on the account
Open any account and you'll find "What the advisor knows about this account" — the rules and beliefs that apply to just that one, with the same controls as the advisor's own page. Confirm something, stop it applying, or delete it without going anywhere else. It shows on manually-added accounts as well as connected ones, and isn't there at all if you don't use the advisor.
- Improved
Rules about one account now say which one
A rule or belief scoped to a single account used to read "One account", naming none — and the advisor read the same thing in its own reasoning. Both now use the account's real name. A new By account tab groups everything in force by the account it applies to, including accounts you have hidden, whose rules still apply. You can also scope a new rule to an account from the form, which previously only offered goals.
- New
Delete something the advisor got wrong
"What I've learned" already let you stop using a rule or a belief, keeping the entry so you can see why past advice changed. That is right when something was true and has stopped being — and wrong when the advisor simply misunderstood you. Delete now sits beside Remove, showing you your own words and what the entry has actually done before you commit; an in-use belief also gains "Still true", so you can confirm one without waiting to be asked.
- New
See the cash sitting in your brokerage — and the advisor now counts it
Your brokerage account page now shows how much of it is uninvested cash, with a bar splitting invested from cash and a total that adds up in front of you: every row in the market-value column sums to the account total your provider reports, so you can check the figure rather than take it on faith. The advisor counts that cash too. It used to work out your cash from the *type* of each account, which meant uninvested money sitting in a brokerage counted as nothing — so it could tell you there was nothing spare to put to work while you were holding thousands. Expect your cash total and your runway to read larger and more accurately than on your last report; nothing was broken before, the number was an estimate and is now a measurement. Accounts that have not synced since this shipped show a dash rather than a zero, because we do not know what they held and “$0.00” would be a different claim entirely.
- New
Ask the advisor to set up a goal
Tell the advisor what you’re saving or planning for — “retire at 60 on about $3,000 a month” — and it drafts the whole goal: the right type, a name, starting figures worked out from your own accounts with a line on where each came from, and a suggested contribution plan. It arrives as something to confirm, not something that’s happened, and every field is yours to change afterwards. This takes over from the “Draft with AI” bar on the new-goal form, so you can now do it from any page and ask what a goal would actually mean for you before you set it up.
- New
Ask the advisor anything, and pick the conversation back up later
There’s an Advisor button in the header of every page now (⌘K opens it anywhere). Ask about whatever you’re looking at — an account, a goal, a suggestion — and it answers from your own figures, showing you what it looked up as it goes. It can also propose a change for you to confirm; it never makes one itself. Your conversations are kept and searchable, so you can find something you asked a fortnight ago and carry on from there — and any suggestion still waiting on your decision comes back with the conversation instead of disappearing when you close the panel.
- Fixed
Rules you set about one account are actually applied now
“What I’ve learned” promised that every rule there is checked against every suggestion before you see it. For rules about a single account that wasn’t true — they were listed as enforced and applied to nothing. They now hold, in both directions: a rule about your Roth stops a suggestion moving money out of it as surely as one moving money in. Those rules also name the account instead of just saying “one account”, and a rule that applies to everything now says so rather than the narrower “every goal”.
- Fixed
A rule whose date has passed no longer claims to be in force
A rule you’d set to expire kept sitting under “Rules I check every recommendation against” after its date had gone, even though it had already stopped being applied. It now moves to “No longer applied” the moment it lapses. Skipping a suggestion from its own page also finally tells you what rule that taught the advisor — before, only the card did — and “I already did this elsewhere” now marks the suggestion done instead of dismissing it, so your goal and your track record both count it.
- Improved
Recommendations now say which account to act in
A suggestion like “buy $50 of GOOGL” told you what to do but not where to do it — and which account you use changes the tax consequences. The advisor is now given your accounts individually, so it can weigh a retirement account against a taxable one and a 4.8% cash account against a 0.4% one, and each recommendation names the account it means. Your reports also now show anything the advisor came up with that wasn’t shown to you, and why — whether a rule you set held it back, or it wasn’t specific enough about where to act.
- Fixed
A recommendation’s page and its card now agree
Opening a recommendation you had snoozed showed it as though it were still waiting on you — offering to snooze it again, with no way to wake it early. One whose window had closed looked open too, and one that failed had no state of its own. All three now read correctly, and “I’ve started this” is available on the page as well as the card. Skipping is no longer offered on a recommendation that is already finished, where it never worked.
- Improved
The app is much faster to load
Wendworth was running on servers on the opposite side of the country from its database, so every page had to send each request across the continent and wait for it to come back — several times over before it could show you anything. It now runs alongside the database, and that waiting is gone. Goals, Recommendations and the rest of your signed-in pages should all feel noticeably quicker.
- Improved
Your recommendation filters are now part of the link
The Recommendations page used to load every recommendation you had ever received before it could show you anything, which got slower the longer you used it. It now loads only the ones you are looking at. Your filters and search live in the address bar, so you can bookmark a view or share it, the back button undoes a filter, and a long history loads in pages with a “Show more” button. The counts on each tab still describe everything you have, not just what is on screen.
- Fixed
The menu on a recommendation stays on top
Opening the status menu on a recommendation drew it underneath the card below, so the options at the bottom of the list were covered by whatever came next. The menu now sits above the rest of the list, wherever it opens. On a phone, a card's title no longer runs into the amount beside it — the title gets its own line.
- New
Delete a recommendation from the list
You could already skip a recommendation, which keeps it on record so the advisor learns from it. If you'd rather it were simply gone, Delete is now in the status menu on every card and asks before it removes anything. Recommendations the advisor has replaced with newer ones can be cleared this way too — previously there was nothing you could do with them.
- Improved
An estimated figure now says it's an estimate
For most goals the app measures your progress from your own account balances. For the few it can't — a debt payoff, an allocation target, tax-advantaged contributions — the advisor estimates it instead, and until now the two looked exactly the same. An estimated percentage is now marked with a ≈ and explained wherever it appears, so you can always tell a measured number from a judgment call.
- Fixed
Recommendations land on the right goal
When the advisor proposed an action, it occasionally tagged it with a goal reference that didn't match any of your goals — and the recommendation then appeared under "All" but was missing from the goal's own page, so the advisor kept suggesting it. Those references are now checked against your actual goals before anything is saved.
- Improved
You can see what the advisor is doing
While a report is running, the button you pressed now stays put and turns into a live status instead of vanishing, and the detail — which step it's on, how long it's taken, roughly how long it usually takes — appears below it with room to read. The progress bar moves now, so a long run no longer looks stuck, and the page no longer says "not analyzed yet" while it's busy analyzing.
- Improved
Easier to read, everywhere
Secondary text across the app — the small print under a figure, the label on a status pill, the description beside a goal type — was too light to meet accessibility standards. It's all been recoloured to be comfortably readable, in both light and dark mode. A stale advisor review is now marked with a clear banner instead of being greyed out, so you can still read it.
- Improved
Goal cards that actually click
Your goals now sit in two roomier columns instead of three cramped ones, and the whole card opens the goal — the title, the figures, the projection, anywhere. "Run report" in a card's footer is a real button now: it starts the report and takes you to the goal to watch it run. The ⋯ menu no longer hides on phones, and every card's footer lines up on one baseline.
- New
Bring your own API key
A new API keys section under Settings lets you supply your own keys for the providers that power Wendworth — your Anthropic key for the AI features, and research sources like Finnhub, FRED, and more. Paste a key once and it's encrypted at rest, never shown again, and used in place of Wendworth's own for your requests, with a one-click test to confirm it works. Your AI runs and the advisor's research use your keys when you've set them, and fall back to Wendworth's when you haven't.
- New
See when your income goal will arrive
Setting an income goal now shows a live projection built from your real accounts. Choose which accounts generate the income and you'll see what they produce today from dividends and interest; set a target and a monthly contribution and a chart projects when you'll reach it, with amounts marked along the way. Or pick a target month and year and Wendworth suggests the contribution that hits it. The estimate is deliberately conservative — it grows from your contributions and reinvested income, with no assumed market gains — so you'll likely get there sooner. You can also give a manual cash account an interest rate so it counts too.
- Improved
A clearer way to get around
Wendworth has a refreshed navigation: a consistent header and footer on every page, and — once you're signed in — a sidebar of your sections on larger screens with a thumb-friendly bar and menu on your phone. Your account controls now live in one predictable place.
- New
Works offline
Install Wendworth to your device and it keeps working when the connection drops — the app loads from a local copy, and if a page can't be reached you get a calm offline screen instead of a browser error. Your financial data is never stored on the device.
- New
You choose about analytics cookies
We now ask before turning on non-essential analytics — nothing loads until you agree, and you can change your mind any time from “Cookie preferences” in the footer.
- New
Wendworth is live
The app is deployed at wendworth.com and working end to end — passwordless sign-in, security headers, and rate limiting all in place.
- New
Accounts and balances
Add your accounts and balances by hand, in any currency, and see a running total that refuses to silently mix currencies together.
- New
Passwordless sign-in with a second factor
Sign in with a magic link — no password to remember — and add an authenticator app as a second factor to keep your account safe.