Does rent clear
before payday?

01 · Forecast

Your next 30, 60 or 90 days, as a grid

Open Forecast and switch to Calendar. Every day in your horizon gets a cell: a dot for each thing due, and the balance you'd close that day on. The tightest day of the whole stretch is ringed, and any day that would go below zero is red — so the answer to “does this clear” is a colour, not arithmetic you do in your head.

Tap a day to open what's in it, with each amount in your own currency, the original beneath it, the rate used, and a link straight to the bill, card or loan it came from. The grid starts on today rather than on the 1st, because the days you're asking about are the next few weeks, not the ones you've already spent. Anything the forecast had to leave out still says so above the grid — an empty Tuesday should mean a quiet Tuesday, not a bill we dropped.

It's on the web and in both phone apps, plus a 30-day Cash Calendar tile you can add to your dashboard. And if your forecast line used to slope sadly to zero, that's because it only counted bills you'd confirmed: turn on expected income and Orbiq reads your own deposit history — weekly, biweekly, semi-monthly or monthly, and it copes with a pay date that slips to the Friday — and projects your pay forward, marked as the estimate it is. When it can't find a steady stream, it now tells you which deposits it looked at and why they didn't qualify.

02 · Recurring

A bill that stops, without deleting it

A lease that ends in March. A twelve-month phone plan. A course you're paying off. Until now the only way to stop Orbiq projecting those forever was to delete the bill — which also deleted the history of having paid it.

Recurring bills now take an end date. Past it, the bill stops appearing in your forecast, in Upcoming, in your bill reminders and in anything you ask the assistant — all from one answer, so nothing keeps counting it after everything else has stopped. The bill itself stays, with its history intact. One thing deliberately ignores the end date: if a charge for that bill shows up after the day it was supposed to stop, we still flag it. That's the charge you'd most want to know about.

03 · Your dashboard

Put things where you want them — and hide the figures

Dashboard widgets used to drop into fixed rows, so “forecast across the full width” simply wasn't sayable. Now Edit layout is a canvas: drag a widget anywhere, drag its corner to resize, and it snaps to a grid so nothing lands crooked. Your arrangement follows you to your phone, where it reflows into reading order rather than shrinking a desktop grid onto a 6-inch screen.

And for showing someone a chart without showing them your salary: the new eye icon hides every amount in the app behind •••• — on the web, both phone apps, and your home-screen widgets — while the shapes, categories and trends stay readable. It's a per-device display switch you can flip back any time, not a lock, and it doesn't change a single number. Amount fields you're typing into, import review and your bill reminders stay legible on purpose.

04 · Cards

Advice you can't actually use isn't advice

Orbiq was telling one member to use their Amex at a warehouse club that only takes Mastercard, then counting every trip there as rewards they'd “missed”. The reward engine quietly assumed every shop takes every network. Now, when a recommendation leans on a card you've never used at that merchant, Orbiq asks — “Can't use this here?” — right where the advice appears, and again in your inbox if you skip it. Answer once and that merchant stops suggesting it, and the missed rewards it was blaming you for come off the total. Change your mind and it all comes straight back.

Asking about rewards got straighter, too. “How much did my Amex earn on groceries this month?” used to answer zero for a card that had earned plenty — the numbers existed per card and per category, but never card and category together, so the assistant had nothing to read and guessed. It has the cross-section now, along with which card you actually used most in a category rather than just which one left the biggest gap.