Assistant actions, recurring payments, and money emails

Highlights

Update your finances in chat

In the assistant, you can explore spending, budget availability, upcoming bills, and net worth history, with charts you can switch to tables. You can also update transactions, create rules, manage categories, and set category or Flex budgets—including proposed amounts based on your usual spending. Changes wait for your approval.

Review your recurring payments

On the recurring page, you can see monthly commitments, filter by category or merchant, and sort payments by due date, amount, or name. Payment history charts and row sparklines distinguish paid, missed, and expected cycles, while Needs review brings missed payments and price changes together. A guided tour walks you through the page.

Get money summaries and alerts

With a connected bank, you can receive Sunday recaps, monthly reports, and alerts for income, large transactions, low balances, and budget thresholds. Charge reminder emails focus on large payments, renewals, or overdraft risk, and quarterly check-ins summarize subscription changes. In notification settings, you can also opt into a 9am transaction review digest that requires at least three new transactions and waits on days with a weekly or monthly summary.

Download your credit report as a PDF

You can now download a printable credit report with your profile, scores, accounts, inquiries, public records, and payment history, including side-by-side bureau comparisons. Find the download button beside the refresh button in the credit report page header.

Improvements

• You can build transaction rules with inline condition and action chips, preview matching transactions live, and reorder rules with your keyboard.
• You can sort tag usage by transaction count, net amount, or last use in tag settings, then clear sorting to return to alphabetical order.
• You can split transactions evenly, track allocations, and fill the remainder on focus, with consistent allocation colors and clearer validation.
• Your transaction tags adapt to available row space, and you can open the picker from any visible tag chip with improved keyboard focus.
• You see consistent drag handles, edit buttons, and spacing across rule, category, category group, and tag settings.
• We now email you bank-connection guidance, a first snapshot, and monthly product updates, each with its own setting and unsubscribe link.
• You see a reorganized plan-change dialog with clearer billing interval choices and a plan summary in the footer.
• You see consistent step headers, option cards, back navigation, and a responsive summary of your activity in the cancellation flow.
• You can choose Request a feature in the cancellation survey to explain what's missing in an in-app chat.
• You can complete privacy setup in three steps, with grouped personal details, optional extras, and a review before activation.
• You can browse a redesigned privacy dashboard with broker details, removal timelines, and step-by-step manual removal guides with copyable fields.
• You now see the year on data broker removal dates from previous years.
• You can use Share reply on an assistant response to create a public link that anyone can view without signing in.
• You can dictate assistant messages using the composer's microphone button, then insert the transcription into your draft or send it.
• You can attach up to five PDFs or PNG, JPG, and WebP images to assistant messages, with a four-megabyte limit per file.
• You can ask the assistant about credit score changes and the factors or recommendations in your report, with estimated gains identified as estimates.
• You can ask the assistant about credit utilization and recent inquiries, with answers identifying the report date and contributing bureaus.
• You can switch between assistant chats while replies continue, with an indicator beside chats that are still replying.
• You can expand or collapse long messages you send without losing your reading position.
• You can check Assistant usage below the desktop chat list for remaining allowance and reset timing, with a notice when your allowance runs out.
• You can search assistant conversations by their content with Cmd/Ctrl+K, see highlighted matching snippets, and navigate results with your keyboard.
• You can pin, archive, rename, and copy completed chats as Markdown from chat menus, or click the title to rename it.
• You can resize the chat sidebar and reveal long chat titles by hovering or focusing them.
• Your new chats appear in the sidebar as soon as you send a message and receive a title automatically from that first message.
• You can start a New chat from a dedicated desktop sidebar row or a labeled button on mobile.
• Your assistant has a redesigned composer, consistent message spacing, and an always-visible header with the current chat title.
• Your chat list now shows loading placeholders, clearer connection and loading errors, a retry option, and an indicator when you scroll down.
• You see varied greetings and Rook's finance-themed animations in empty assistant chats, with animations respecting your reduced-motion preference.
• You see assistant results as formatted tables, filter chips, and budget confirmations instead of raw technical output.
• You get guidance to connect accounts or retrieve a credit report when the assistant lacks data, rather than confusing empty results.
• You can use Copy on your own assistant messages as well as replies.
• You see assistant replies appear progressively with word-by-word fades that respect your reduced-motion preference.
• You see a working indicator with elapsed time when an assistant reply has no visible progress yet.
• Your getting-started card automatically dismisses after you have seen it on seven distinct days.
• Your payment confirmation focuses on your active subscription and shows an illustrated referral invitation.
• You see more prominent credit report refresh buttons and a dedicated progress message while insights are being generated.
• Your credit report has reorganized sections, responsive search controls, and all relevant bureau scores with a fixed 12-month history.
• Your credit report detail panels now focus on account, inquiry, or public record details without the Related insights section.
• You see standardized lender names and logos in credit reports, with logos loading alongside report data rather than afterward.
• You can follow a guided credit report tour covering scores, insights, entries, refresh, and details, with positioning that accommodates tall score cards.
• We now email you before your free trial becomes paid, with billing details and direct links to change plans or cancel.
• You see more consistent status badges, secondary text colors, and text sizes across dashboard rows.
• You can scroll and interact with the page while informational popovers are open; dismissing one inside a dialog leaves the dialog open.
• You can open a settings section and press Tab to enter its menu at the current section rather than the first item.
• You can switch cash flow chart styles, keep your preference, and explore a sliding monthly detail chart with an average line.
• Your cash flow view now uses compact text-only tabs and light chart labels with borders.
• You can see year-to-date totals and monthly averages in cash flow details for categories, category groups, and merchants.
• Your finance tours now highlight the full visible details panel rather than only its top bar.
• You return to the top of dashboard sections while keeping your previous selection; the transactions table retains its scroll-to-selection behavior.
• You see finance detail panels from the top when selecting a different item, while unchanged selections preserve their scroll position.
• Your slide-out panels now open, close, and snap back without animation when you prefer reduced motion.
• You can use Select all in net worth chart account settings to restore excluded accounts, replacing the general reset button.
• Your recurring dashboard summary now shows its ring and amounts without a hover tooltip.
• You now see separate recurring subscriptions for different billing days, and pending charges with related merchant names can join existing recurring groups.
• You see payment names, full dates, and days late together in missed-payment alerts, while recurring panel headers reserve status badges for inactive groups.
• You see which missed payment you are dismissing and a clearer explanation that its recurring group remains active.
• You now see variable recurring payments as a nominal amount marked est., rather than an amount range.
• Your recurring-payment emails now show each payment's amount and billing frequency.
• You can remove accounts and connections with less delay when their transactions are deleted.

Fixes

• Your credit report refresh becomes available without reloading when its scheduled unlock time arrives, and the next-refresh message stays current.
• Your transaction tags save in order even in hidden tabs, stay synchronized across views, and no longer reopen a closed picker.
• You can sign up even when email-address validation is temporarily unavailable.
• You no longer receive missed-payment alerts for disconnected accounts, and late-posting payments get at least three days before an alert.
• Your archived or deleted chats no longer reappear during navigation or receive messages after removal.
• Your chat menu stays in place when you click the title to rename it.
• You see the correct Command or Control shortcut symbol after page load without a layout jump.
• Your credit report status badges and balance captions no longer overflow into neighboring columns.
• Your saves keep their progress state when you switch sections, and busy controls prevent duplicate actions or closing dialogs mid-save.
• Your recent transactions no longer appear empty while reloading when you return to the dashboard.
• You can continue an assistant chat after changing your time zone, currency, or household size instead of encountering a refusal.
• You can navigate away while a credit report refresh runs without being blocked or redirected back when it finishes.
• Your assistant's income and spending totals no longer count transfers and credit card payments by default.
• You get a fresh draft when choosing New chat immediately after sending a first message, rather than seeing stale chat state.
• Your cash flow chart scales to visible months, keeps comparison spacing stable, and prevents hover labels from overlapping its header.
• Your assistant composer's status text truncates correctly on narrow screens without squeezing the loading indicator.
• Your chats open at the newest message without scrolling through older messages, and preserve your reading position when hidden and shown again.
• Your reopened chats catch up with changes from other tabs, and chats deleted elsewhere show a not-found state instead of stale content.
• Your recurring bills stay recognized through schedule changes and off-cycle charges, while unrelated charges no longer reprice ended subscriptions.
• You keep keyboard focus in the cash flow details chart when navigating between months, even when the focused bar leaves view.
• Your name retains mixed capitalization, accents, hyphens, and generational suffixes in the app and emails.
• You can navigate rapidly between dashboard items without getting stuck in an incorrect selection or a rendering loop.
• Your keyboard-focused account, recurring-payment, and budget rows stay visible instead of hiding beneath sticky headers.
• You see readable text instead of untranslated codes in budget, recurring-payment, bank-connection, and credit-score messages.