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What’s new

The changes worth knowing about, in plain language, newest first. Not every fix and tweak, just what changes how Oath works for you.

Last updated October 25, 2026

October 2026 12 changes

Match two transactions as one transfer

Move $400 from checking to savings and both accounts record it, so the outgoing half used to count as $400 spent. Oath now spots the pairs at the top of Accounts and links them in one pass; uncheck one to leave it, or mark it not a transfer for good. After you link a card payment once, the next one between the same two accounts links itself and Accounts tells you, with Undo. Keep it once and later ones link without asking; change that in Automatic links. Each half names the other account, and a note stays on both.

Reconcile an account with a statement

When a balance and your bank’s don’t agree, upload the statement’s activity as a CSV and Oath compares it with the account line by line. It names each difference with its fix: a refund recorded as a charge, a charge Oath never got, a second copy of a bill. Fix them one at a time or all at once, and undo any change but a delete. Oath doesn’t keep the file. Find it in More actions on Accounts.

Record a card or loan payment on both accounts

Record payment now asks which account the money came from and records the payment on both, so there’s nothing to match up later. A loan payment can count toward a category. A card payment can’t, because its purchases already counted. A home equity line can go either way, so Oath asks once whether its spending counts when you buy with it or when you pay it back. Transfer is now for money between checking and savings.

Oath no longer changes your starting balance

Every account’s balance is worked out from a starting balance on a date. Oath used to adjust that figure to match your bank, which hid mistakes. It doesn’t anymore. If your balance and your bank’s now differ, a transaction is usually missing or wrong. Open the starting balance on Accounts to see every change to it and confirm it against a statement.

Pages on oath.money now open from five sections

The sidebar that listed every page now shows five sections: Dashboard, Plan, Track, Grow and Learn. Pages keep their old groups and open as tabs across the top, so Budget sits beside Income and Subscriptions. In a phone’s browser the sections sit along the bottom. Your initials at the top right open Settings, Appearance, What’s new and Log out, and switch households if you have more than one.

Oath can tell you a payment is coming due

Debt shows the real due date your bank reports, which moves a day or two each month, not a fixed day you typed in. On the web, a card’s due date, statement and minimum also sit under its balance on Accounts, where you pay it, and a card with no date offers Add due date. Oath can remind you before one arrives: pick lead times in Settings under Alerts. It stays quiet on a card you have paid this cycle. Last payment shows an actual payment, not the latest statement credit.

Plan on a floor from commission, and send the rest somewhere

A job that pays only commission can now budget on a floor: open the job, choose the lowest month or a conservative share of the average, both taken from the commission already on record, and your budget plans on that much. Anything above it stays upside. On any commission or bonus, pick where the pay goes when it lands, a goal or a card you are paying off, and Oath reminds you the day it arrives. It never moves money for you.

A job can pay in more than one way

Add commission or a bonus to a job beside its salary or hourly wage, on any schedule or on none. Scheduled pay is its own paycheck on your paycheck plan, labelled by kind; pay with no set schedule counts the day it lands, so your budget never plans on money that may not come. A job that pays only commission needs no made-up salary. And when a deposit from a job matches no paycheck you planned, Income says so in one line and one tap records it as commission or a bonus.

Set one category on many transactions at once

On Accounts, turn on Select and tick the rows that belong together, across months or with All accounts on. Pick the category once, and before anything changes the bar shows what each month’s budget gains and gives up. Apply files them all; Undo puts every row back the way it was. Income and transfers keep their own meaning, so their boxes stay off and the row says why.

Open a category on Spending to see the vendors behind it

A category on the Spending page now opens to the vendors inside it: who got the money, how many purchases, the last one, and how the month sat against the plan. Open a vendor for every transaction behind it, with a note on where else you spent with the same vendor. Two bank descriptions for one vendor read as one row. From a vendor, Categorize all moves every one of its purchases to the category you pick in one step, and Oath learns it for the next one. The link you share lands exactly where you were.

A loan or mortgage payment counts toward its budget line

Paying a mortgage, a home equity line or a car loan from checking is a bill. The row the money left can now carry a budget line and still count as spending after you match it with the loan side as a transfer. Money moved into savings works the same way, so a Savings line shows what you put away. Card payments stay out: their charges already counted.

Oath tells you when a subscription or a fixed bill charges more than you planned

Once Oath has seen a subscription, or a bill like rent on its own budget line, charged twice at the amount you set, a higher charge gets an alert with both figures, and the Subscriptions or Budget page shows which one. Update moves the estimate to the new amount (a budget line changes from that month on), or Keep leaves it and Oath won’t ask about that amount again. Charges under a dollar or two percent more stay quiet.

September 2026 13 changes

Invite your partner, or your accountant or advisor

Your partner can now have their own sign-in to your household: their own password and two-factor, the same budget, accounts and goals, and anything they change shows for you too. The household’s alerts reach them on their own devices and inbox, under their own alert settings. Invite them from Settings under Household. An accountant or advisor gets read-only access instead: every number and the exports, and nothing can be changed from their sign-in. Invites go to one address and last seven days; you can remove anyone any time. On the phone, Settings is where you pick which household to open.

Spending over any stretch of months, by category or account

Spending opens on the month in the header. Tap This month, 3M, YTD or 1Y for a range ending today, or Custom for any two months. Each category shows its share and its monthly average against the plan; open one and every transaction behind its number is listed there, newest first, with the account it left from. Averages skip a month still in progress. Switch to By account to see which card the money left from, or pick the accounts to count. Card payments never count twice. Same on the phone.

Synced paychecks land on the right job

A deposit from your bank used to arrive with no job attached, so it never counted as a paycheck until you opened it and picked one. Oath now links it for you: to the job you gave the same payer last time, or, the first time, to the one job whose employer the deposit names. If two jobs could match, it waits for you. Clear the job on a deposit and it stays cleared.

The deposit your bank has and Oath does not

Your bank knows about some money before it posts: a paycheck in transit, a charge it has set aside. It only ever sends Oath the posted ones, so a deposit could sit on your bank’s site all morning and appear nowhere here, with nothing to say why. Accounts now shows your bank’s available balance beside its posted one whenever the two differ, and names the gap between them.

Paying a card off is not income

Money you pay a credit card counted as income, so a month you paid $700 read as $700 earned, on top of the charges it paid for, already counted where you spent them. It now counts as neither: one picker on every entry says whether something is income, spending, or a transfer between your own accounts. Your card shows Charge and Payment instead of Money out and Money in. If past months were double counted, Accounts offers to fix them, asks whether each card deposit was a payment or money that came back, and shows each month before and after.

Raise the rent and January stays January

Changing a budget line’s amount used to change it in every month that line applies to, so last spring’s numbers quietly became this spring’s. Now Oath asks which month the change takes effect, and the months before keep what they had. Fixing an actual typo is still one click. Budget also has a History tab: what you planned against what you spent, month by month, and every change a line has been through.

The money in checking that your card already claimed

Charge something to a card and Oath counts it the day you spend it, but no cash leaves checking until you pay the card. So part of that balance looks spendable and is not. Your dashboard now has Cash available: what checking holds, how much of it a card statement has spoken for, and what is genuinely yours to spend. It reads the statement you owe, not this cycle’s new charges, and turns red only when the payment due does not fit.

You choose how far a category reaches

Categorizing one transaction used to quietly categorize every other one described the same way, in every account, going back. Now Oath asks first, and you answer row by row: every match starts checked, and you uncheck anything to leave alone. The offer covers one merchant at a time, and lists only rows filed the way the one you changed was. A row you deliberately leave uncategorized now says so in the ledger instead of looking unreviewed.

See your budget by paycheck, and split a line between them

By paycheck now lays your whole budget out under the paycheck that pays for it: what each paycheck owes, what you have actually spent since it landed, and what is left. Every line opens from there. A line can also come out of more than one paycheck, in the amounts you choose: $150 of eating out from the 15th, $100 from the 30th. Oath checks they add up to the monthly total.

Bonuses, commissions, severance, and ending a job

A job page now has a One-off pay card for a paycheck that lands once: a bonus, a commission, a severance. Each counts as a paycheck on the day it arrives and funds the bills due after it, so a commission month plans like any other. A severance can carry a covers-bills-through date and then funds every bill due up to that day, even with no paycheck in between. Ending a job asks for your last day, the last regular paycheck (paid in arrears, it still counts), and any final pay. Months already paid keep their paychecks.

Leave a transaction uncategorized on purpose

Some money out belongs on no budget line: a transfer to a friend, a one-off bill, an expense work will pay back. Until now Oath kept counting those as needing a category, and the only way to quiet the notice was to file them somewhere untrue. Choosing No category in the category picker now settles it, and the review list after Match them offers Leave it for one row or all of them. A left-alone transaction drops out of the count and the next match. Pick a category later and it comes back like any other.

Older transactions can use a newer budget line

The category picker used to hide any budget line that was not active on the transaction’s date, so a line you added this month was simply missing when you filed last month’s receipt. It now lists those lines under “Not active on” that date, and picking one offers to start the line from that month in one click. New lines also ask when they start, right in the form, so you can cover older transactions as you create them.

Check your accounts for backwards transactions

A CSV import can land rows the wrong way round. On a card, payments are the costly one: recorded backwards, a payment grows your balance instead of shrinking it. On a checking or savings account, interest and deposits can land filed as spending. Fix backwards transactions on Accounts now checks every account, names what it found plainly, and files a deposit or interest as income in one click. Running it again is safe. New checking and savings imports read a category like Interest, Deposit or Transfer as money in, so those rows land right the first time.

August 2026 10 changes

Cards and loans now show what you owe

A card you owed $720.98 on read as −$720.98, and one linked to your bank could be anchored the wrong way round entirely, so its history looked complete while the numbers were upside down. Owing money is now a positive balance, everywhere, and purchases add to it while payments subtract. Linked accounts correct themselves on the next sync. One more change worth knowing: a balance that matches your bank only earns a tick once real transactions have tested it, not on the day you connect.

Start with some history when you connect a bank

Connecting a bank used to start your ledger from that moment, leaving the month looking empty. Now every connection reaches back 7 days by default, whether you are creating a new account or linking one you had been tracking by hand, and you can choose none, 30, or 90 instead. Anything you already entered is matched, not duplicated. Because older transactions sit behind your balance, an account can look right while holding only a week of history, so a linked account now says how far back it goes and offers to bring in more.

Refunds land on the category they came from

A refund or statement credit from a linked card used to arrive as income, which meant it could not take a category at all: the $25 back on a subscription sat in your earnings instead of reducing what that subscription cost you. Credits now file as money back on a category, so you can put one where it belongs and watch that category settle. Card payments are untouched: they are money in, and still not spending. Credits already in your history have been moved across.

Your bank balance stays current

Your bank balance used to be captured when you connected the account and then sit frozen. It now refreshes on every sync, so the figure Oath shows beside your own running balance is what your bank says today.

Accounts separates what needs doing from what you do

Uncategorized transactions and imports that landed backwards used to sit in the toolbar as buttons, weighted the same as Add transaction. They now have their own strip under the account header, each stated in a full sentence, and each line disappears the moment its count reaches zero. The toolbar keeps only the things you actually do: sync, import, transfer, add.

Oath is live

oath.money opened to its first customers today. Everything below this point is what Oath launched with, in the order it was built.

One Connect button, and Oath does the routing

The Connect button starts by showing what each linked bank already shares. If a connection can already see an account you have not added, one click brings it in with no bank sign-in at all. To change what is shared, “Change at your bank” reopens your bank’s own account picker, and Oath sorts out the result: new accounts arrive ready to add, and ones you un-share stay in Oath as regular accounts with all their history.

Imports that know what is already there

Import a CSV from any bank and Oath works out the columns for you. If the account already holds transactions, every row gets checked first: exact matches skip, near matches are shown side by side for a one-tap call, and a corrected file can update rows in place instead of adding duplicates. Card credits and refunds import as credits rather than income. Nothing is written until you confirm.

Categories that learn from you

Once you have told Oath a merchant is Groceries, it stays Groceries. New transactions check your own history first, matching both the same store name and the same merchant at another location, so a grocery run at store #123 on vacation inherits the category you gave store #244 at home. It works however the transaction arrives: a CSV import, a bank sync, or typing one in by hand. Whatever is still unplaced after a Match run gets a short list with a picker on each row.

Your pay, jobs, and raises in one place

Add each earner in your household, their jobs, and what each one is paid, and Oath estimates your monthly profit before the month starts. Each person’s card lists their employers and pay; tapping a job opens its full record, with dates worked, every pay period newest-first, and any stretch with nothing recorded shown as an honest gap you can fill. Add a raise dated two years back and it files into the history rather than replacing what you earn today, so old transactions match the wage that was actually in effect.

July 2026 7 changes

Sign in your way, and get back in when you are locked out

Sign in with a passkey, using Face ID, Touch ID, or your device PIN instead of a password. Turn on two-factor and Oath hands you a set of one-time recovery codes, so a lost phone does not cost you your account. A forgotten password takes a reset link from the sign-in page. And after fifteen idle minutes Oath signs you out, with a warning first, so your finances stay private on a shared screen.

Promises: the record of what you’ve kept

A new page collects every promise you have made to yourself: goals started, goals finished, debts paid off, the day you went debt-free. It fills itself in as you go, with your first promise marked, and nothing ever falls off it.

Add a transaction in one line

A quick-add row sits at the top of your transaction list: type what it was and the amount, press Enter, and it lands dated today with the category picked for you. The full editor is still a click away for dates, notes, and reimbursements.

Built for your phone

On a phone the transaction list shows as tappable cards grouped by day, from Today and Yesterday back through the month, instead of a squeezed table. The columns you check daily stay put and the rest wait for a bigger screen. Tap any card to edit, same as always.

Money out, money in, no more minus signs

Adding a transaction now uses a simple toggle: Money out for spending, Money in for deposits and refunds. Type the amount, pick the direction, done. If you like typing the minus sign, that still works too.

A tidier sidebar, and Net worth by its real name

The menu is grouped by what you are doing, into Plan, Track, and Grow, so things sit where you would guess. And the page formerly called Financial Statement now goes by what it actually shows you: Net worth.

Bigger moments for your biggest wins

Making your first promise, finishing a goal, and paying off your last debt each get their own celebration. Finishing a goal brings confetti, your stats, and how early you got there. The day you become debt-free gets the whole screen.

June 2026 9 changes

Goals you can work in order

Point a goal at a real account, whether that is your vacation fund, your emergency fund, or a loan you are paying down, and the goal’s balance is that account’s balance, so progress keeps itself. Line goals up the way you plan to tackle them: work one or a few now, queue the rest, drag to reorder. Queued goals stay out of your budget until their turn, and finishing one offers to start the next.

Stay in the loop

Product announcements now appear right in the app, and if Oath ever has a service hiccup, a banner tells you what is happening and when it is resolved.

A clearer way to build your budget

The budget editor now asks what kind of line you are adding, a bill, spending money, or savings, and shows only the fields that matter for it.

Track your subscriptions

Keep a list of your recurring services, from streaming to insurance to memberships, see what they cost per month, and tie them straight into your budget.

Group related spending

Tie transactions together across accounts, like a vacation, a home project, or a party, and see exactly what it cost: total spent, reimbursed, and your true out-of-pocket.

Reimbursements lower what you spent

Money paid back to you, whether a friend settling up or a work expense refund, now reduces what the category shows you spent.

Spot utility trends

Mark budget lines as utilities and the dashboard charts how your power, water, and gas bills move over time.

Simple subscription billing

Subscribe to Oath monthly or yearly with a 14-day free trial, and manage your plan, card, and invoices any time from Settings.

Record a transfer between accounts

One action records money moving from one account to another, without ever counting as spending or income. Transfer into a goal’s account and it counts toward the goal automatically.

May 2026 4 changes

Bills matched to the right paycheck

Oath understands that the mortgage due on the 1st is paid by last month’s final paycheck. The paycheck plan shows each paycheck landing this month, what is assigned to it, and whether it covers everything. If one earner’s paychecks all go to a single bucket, set that once and the plan routes them. A Monthly and By-paycheck toggle switches how you read the budget.

Connect your bank

Link your bank through Plaid, choose exactly which accounts to bring in, and map them to accounts you already track. Transactions then flow in on their own, deduplicated and auto-categorized, living side by side with anything you enter by hand. Your balance shows both your working number and what the bank reports.

Your real ledger

Enter transactions with dates, categories, notes, and pending status, and balances update as you go. The spending breakdown then charts your month by category across every account.

Your real budget

Plan the month line by line with estimated against actual, plus a 50/30/20 health check that tells you whether the shape of your spending is holding up.