What's new

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.

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.

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, which Oath had already counted where you spent them. It now counts as neither: one picker on every entry says whether something is income, spending, or money you just moved. Your card shows Charge and Payment instead of money out and in. If your past months were double counted, Accounts offers to fix them and shows you each month before and after.

Part of every payment on a loan or a card goes to interest, so only the rest comes off what you owe. Recording the whole payment made your balance fall further than the bank’s did, by the interest, every month. A debt account now has Record payment: enter the payment and how much of it was interest, and Oath writes both, showing you what actually comes off the balance before you save it. Accounts your bank sends no transactions for now say so instead of looking empty.

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 ticked, and you untick 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.

By paycheck now lays your whole budget out under the check that pays for it: what each check 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 check, 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.

A job page now has a One-off pay card for a check 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 checks.

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.

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.

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.

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.

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.

Move $400 from checking to savings and both accounts record it. Oath could not tell those were the same movement, so the outgoing half sat in your budget as $400 spent, in a month you actually saved it. Now Oath spots the pair and says so at the top of Accounts. One tap links them; both rows stay as your bank wrote them and stop counting as spending. Undo sits right there, and it puts back any category the link set aside. Never automatic.

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 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.

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

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.

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.

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.

Add your household members, their jobs, and what each one earns, 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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

Money paid back to you, whether a friend settling up or a work expense refund, now reduces what the category shows you spent. No workarounds needed.

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

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

Transfers are first-class: one action moves money 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.

Oath understands that the mortgage due on the 1st is paid by last month’s final check. The paycheck plan shows each check landing this month, what is assigned to it, and whether it covers everything. If one earner’s checks 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.

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.

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.

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.