What's new in Pay Down

Version 1.1.11

Android — October 15, 2026 · iOS — October 28, 2026

If a Premium purchase or restore doesn't complete, the app now says what to do next. The Billing screen states when there is no active subscription and that tracking, CSV import and the calculators stay free. If your email isn't verified yet, you can resend the verification email from Settings, under Account. Signing in with Google now takes you straight to your cards, and the back button no longer returns to the sign-in screen.

Added October 28, 2026: If a bank connection doesn't finish or doesn't open, the app now says so and shows other ways to add your cards. When you enter a statement by hand, the form points out when the figures don't add up to the closing balance; you can still save. How the check works. On iOS, when your bank sends you back to the app after you approve a bank connection, you now return to the connection to finish choosing your cards, instead of a screen saying the page doesn't exist. Also on iOS, the billing cycle day is now optional when you add a card: the app fills it in from your first statement (Android has had this since October 20).

Version 1.1.10

Android — October 12, 2026 · iOS — October 12, 2026

Tap Connect and the bank sign-in opens right away. If your bank isn't found, you can import a CSV, enter a statement by hand, or try another bank. If the app can't reach Pay Down at launch, you stay signed in while it retries. CSV import takes the statement's closing date, new balance and interest charged, marks purchases and payments in the preview, and reads more bank file layouts. Amount limits in forms are clearer.

Version 1.1.9

Android — October 5, 2026 · iOS — October 9, 2026

Adding a card is simpler. Purchase APR is now optional — we can estimate it from your first statement. Amounts with commas or dollar signs are accepted as typed, and anything that needs fixing is shown next to the field. Your card draft is kept if you leave the form. Laptop import codes now last 30 minutes.

Version 1.1.8

Android — September 29, 2026 · iOS — September 30, 2026

Same as 1.1.7, rebuilt so a new install starts on the current version without an update prompt.

Version 1.1.7

Android — September 18, 2026 · iOS — September 21, 2026

Explore with sample data before you sign up; the True Cost calculator works without an account; a shorter first statement (closing date, new balance, interest charged); clearer Free vs Premium; Restore Purchases in Settings.

Version 1.1.6

Android — September 4, 2026 · iOS — September 6, 2026

New quiz on how credit card interest works; search results chart spending vs True Cost by month; when a balance isn't falling yet, the Plan tab says "No payoff date yet" and shows the monthly extra that would bring one back; a "What if you paid more?" comparison; set your own large-purchase alert threshold; CSV import accepts more banks and formats.

Version 1.1.5

iOS — August 16, 2026

Version number change on iOS only; nothing in the app changed.

Version 1.1.4

Android — July 17, 2026 · iOS — July 20, 2026

Premium unlocks right after purchase; fewer unexpected sign-outs; a sync indicator while bank data loads.

Version 1.1.3

iOS — June 16, 2026 · Android — June 24, 2026

First public release on the App Store and Google Play. Statements follow your bank's closing dates and balances; live commitment tracking; progress charts stacked by card; purchases newest first.