Achievements turns good habits into progress: logging every day, days without spending, staying under budget and reaching goals unlock badges. Badges, missions and won challenges earn XP, and XP raises your level.
- Open Achievements from the menu behind your picture (in the app: More).
- Overview: your level, This week's missions — three new ones every Monday — and The last 12 weeks of logged and no-spend days.
- Challenges: pick one and tap Start. Up to three run at a time.
- Badges: every badge, with how far along you are on the ones still locked.
Streak freeze: every 7 days of your logging streak earn a freeze (you can bank 2). If a stretch without logging would break the streak, a banked freeze keeps it by itself — the day shows in blue in The last 12 weeks and you get a notice. A mission that doesn't suit you? Tap Swap next to it to get another one — one swap a week, and not for a mission already done.
The amounts in a challenge come from your own recent spending and are never more than you usually spend. With Diamond, Create a challenge lets you set your own rules.
Want a nudge? Turn on Challenge reminders in Settings → Notifications. Your iPhone reminds you every day at the time you pick (20:00 unless you change it) — on the last day it says so — and the bell tells you when a challenge starts tomorrow, reaches its last day, is won or is lost. No challenge running, no reminder.
Show it off: in Settings → Account, tap Customize to pick a cover, a frame, a title from your badges and three badges to pin.
A new badge pops up on Dashboard the next time you open it. Missed it? Fresh ones are marked New.
