A New Home Screen & Budget Analysis — Beacon Budget v0.16.0

This release introduces a new Home screen and a new budget analysis engine that uses your transaction history to help you build and adjust your budget based on your actual spending.

🏠 New Home Screen

Beacon now opens to a dashboard showing:

• Free-to-Spend

• Recent Activity

• Upcoming Expenses

• Monthly spending

The Home screen works offline and provides direct access to the underlying transactions and Insights.

Upcoming Expenses can be displayed as a list or carousel, with options to view the rest of the month, the next 30 days, or the following month.

🧠 Budget Analysis & Recommendations

Beacon can now analyze your settled transaction history to identify income, recurring bills, and spending patterns, from weekly through annual schedules.

This is not generative AI. Beacon uses deterministic rules and calculations based on your transaction history, categories, amounts, and timing to generate recommendations.

The analysis is now used in three areas:

Budget Checkup

For existing budgets, Budget Checkup analyzes recent spending and identifies where your budget may have drifted from your actual spending.

Recommendations show the amount Beacon suggests changing, and you review and apply each recommendation individually. Nothing changes until you choose to apply it.

Budget Setup

New users are guided through building their budget after connecting their first bank account.

Beacon identifies income and recurring expenses, including amounts and pay schedules, and lets users add them to their budget with a tap. Progress is saved if setup is interrupted.

Recurring Expenses

The Home screen can surface recurring expenses that aren't currently represented in your budget, including the merchant, amount, and recurrence pattern.

Adding one creates a bucket with the suggested amount and funding schedule.

🧭 Navigation Improvements

• Insights is now available directly from the bottom navigation.

• The former Profile tab has been replaced with a side panel containing Profile, Subscription, Budgets, Funding Schedules, Rules, Archives, Settings, Feedback, Support, and other account options.

• New budgets can be created directly from the budget switcher.

• Long-pressing the profile icon provides a quick way to switch budgets.

⚡ Improvements & Fixes

• Saving a bucket now returns you to the screen you came from and displays the confirmation there.

• Transactions funded from an archived bucket now display the archived bucket's name instead of Free-to-Spend.

• Fixed an issue where the Spending From picker could double-count bucket moves.

Thanks for continuing to provide feedback and helping improve Beacon Budget 🚀

Shane at Beacon Budget