What shipped, when, and why.

There's a new Projections page under Plan. Pick an account — or all your everyday accounts together — and Bickie draws a running balance forward from today. Slide to any date and it tells you exactly where you'll be, and what got you there.

What feeds the projection:

• Recurring income and bills, shifted to the right business day and with any amount adjustments applied (so a pay that's set to 50% for a stretch shows at half, not full).
• Scheduled one-off transactions you've already entered with a future date.
• Your cashflow waterfall — assign each surplus rule a destination account and Bickie moves the money along your rules each pay cycle, capped at the surplus you actually have.
• What-if scenarios you can save and name — model a bonus, a big purchase, a rate change — layered on top without touching your real data.

Loans are projected too, using your offset and repayments, so you can see the balance falling over time. Projections is available on paid plans.

In practice, Australian pay almost always arrives on a business day — bank batch payments don't settle on weekends or public holidays, and many awards bring payday forward — so if your payday falls on a Saturday or Sunday, the money usually lands on the Friday before. Your forecast can now reflect that too.

• Opt in per recurring transaction. Turn on "Pay on the weekday before weekends" for any income or expense that follows this rule. Off by default — nothing changes unless you ask for it.
• Pick the direction. Most pay moves to the business day before; some direct debits move to the next business day. Choose per transaction.
• Weekends and public holidays. It skips public holidays too, using your household's state — with a per-transaction override if one payment follows a different state's calendar.
• It flows everywhere. The shifted date shows up in your forecast, the schedule calendar, budget breakdowns, the dashboard, the daily digest, and the actual transaction when it's recorded — all consistent.
• You can see it. A small marker appears wherever a date was moved, showing the original date it shifted from.

We reworked how the pay-cycle forecast is calculated so the numbers always tell a consistent story.

• The maths reconciles. "Received" plus "still coming in" now always adds up to your projected total — same for spending. Previously a payday that had already landed could be counted twice (once as received, once as still to come), so the totals didn't line up.
• One-off transactions count. A manual one-off — an unexpected bill, a tax refund — now flows into your Net Position and the per-account breakdown, not just the "actual so far" line. The forecast is what's already landed plus what's still scheduled, including the one-offs.
• Net Position is a live projection. It updates as money moves through the cycle instead of sitting on the recurring plan alone, so it reflects where you're genuinely on track to finish.
• Over-plan warning. When your projected spend is trending above your recurring plan, you'll see a clear "over plan" flag on the budget and in Insights — an early heads-up rather than a nasty surprise at the end of the cycle.
• Daily digest fix. The digest now reliably sends on days when money is scheduled to move (payday, bills due), even if you haven't logged any ad-hoc transactions.

Your investments just got a serious upgrade.

• Multi-currency totals — hold US and Aussie stocks together and your cost base, value and gain now roll up correctly into your currency. No more adding US dollars to Aussie dollars as if they were the same number.
• Per-holding detail pages — click any holding to see a full page for it: your position (native currency and converted), key stats, and where it sits in your portfolio.
• Price charts — an interactive chart on every holding, with day / week / month / 6-month / year / 5-year / max ranges, a crosshair, and volume.
• Exchange picker — pick the listing (ASX, NYSE, NASDAQ, LSE, and more) and we set the currency for you.

Life isn't flat, and now your recurring income and bills don't have to be either. You can set a temporary change to any recurring amount for a date range, and Bickie applies it everywhere — forecasts, your dashboard, the calendar, and the real transactions that land during that window.

Going on parental leave at half pay? Add an adjustment to your salary:

• Multiplier — e.g. 0.5× while you're on leave
• Percentage — e.g. paid 60% of usual
• Fixed amount — set each payment to an exact figure for the period

Add it from the recurring item's page. A few details:

• Stack them over time — set up leave now, a raise later; periods just can't overlap.
• Open-ended or bounded — give it an end date, or leave it running.
• It's honest about your money — payments that fall in the window post to your balances at the adjusted amount, so your forecast and your actual cash agree.

When the period ends, your usual amount picks straight back up. No need to remember to change it back.

The first public version of Bickie. Here's what's in the box.

• Schedule-based budgeting — recurring income and bills as dated entries
• FIRE planning — multi-decade net worth projection with AU tax + super
• Net worth tracking — accounts, mortgages, offsets, super, property, shares
• AU calculators — stamp duty, salary tax, mortgage offset, rent vs buy
• Stripe-powered subscriptions — Free + Paid in AUD
• Multi-household — share with a partner, both edit
• Export — JSON