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Daylight Savings looks a year ahead at every bill and paycheck you’ve entered and finds the most you can spend each day without your balance ever dipping below your safety floor. Yearly and occasional bills are saved for a little each day before they’re due.

It moves when you log spending, update your balance, or add or change a bill or paycheck. Updating your balance now and then keeps it accurate.

No. You enter your balance, and the app asks you to check it now and then. There’s no bank login to give out.

At midnight it goes in your jar. The money stays in your checking account, but the app sets it aside so it isn’t offered again. If you move it to a savings account, or want to spend it after all, tap your jar in the You tab.

On your old phone, go to You → Backup and save the file somewhere your new phone can reach, like iCloud Drive. Then install Daylight Savings on the new phone and tap “Restore from a backup” on the welcome screen.

Go to You → Daylight Plus and tap Restore purchases. Make sure you’re signed in with the Apple ID you bought it with.

In the app, go to You → Manage subscription. Or on your iPhone, open Settings, tap your name, then Subscriptions. Cancel at least a day before it renews. Plus stays on until the end of the period you paid for.

Apple handles payments, so refunds are requested from Apple at reportaproblem.apple.com.

One payment gives you lifetime access to the Plus features available today: “Can I afford it?”, the forecast and spending by category.

You → Start over erases everything on your phone. Deleting the app does the same. See the Privacy Policy for more.