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It's the figure at the top of Month. Hometill starts from what you have today in your everyday accounts, adds the income still to come before your next payday, and takes away the bills, loan payments and transfers still to pay before then, and what's left of your day-to-day budgets. The date beside it is your next payday. Tap Where does this come from? to see each part.

Under it, “About … a day for … days” divides that figure by the days left, today included, rounded down. Amounts that vary count at their estimate, and income that varies counts only if you count on it. Without a regular income, it reads Left this month; until you enter a balance, Month shows the month's plan instead.

No. Its figures are estimates worked out from what you enter, and when you ask “Can I afford it?”, it shows the arithmetic, not a verdict. Check important figures with your bank or lender.

A household can be shared through iCloud: each of you uses your own iPhone and your own Apple Account, and everyone in it sees and can change everything. Only the Apple Accounts that are invited can join. The shared household is kept in the iCloud of the person who shared it, encrypted, and we can't read it.

In Household › Your data › Delete This Household. If you joined someone else's household, you stop seeing it on your iPhone and they keep it. If you shared it, it's deleted for everyone.

In the Shortcuts app, create an automation with the Transaction trigger, pick your Apple Pay cards and choose to run it immediately. Add Hometill's Log Payment action and set its amount, merchant and card to the Shortcut Input. With Premium, each payment enters by itself; without it, it waits for you to confirm it in Hometill. Online purchases may not enter.

With the app lock off, the amount, the merchant and the category of the payment you've just made, with Undo. With the lock on, only that a payment was logged. It never shows a balance.

On your devices and, if you use iCloud, in your own iCloud, encrypted on your device before it's uploaded. Hometill has no servers and no accounts, and on the App Store its label is “Data Not Collected”.

In Household › Your data. Export (CSV and JSON) gives you your transactions and your regular items as CSV files for Excel or Numbers, and a full backup as a JSON file; it works offline and never needs Premium. Delete This Household deletes it from iCloud and from your iPhone.

In Household › Settings › Privacy, turn on Lock with Face ID (or Touch ID, or your passcode) and choose when it asks again. Amounts in widgets is there too, and Hide amounts is in Month › More. The Lock Screen widget and reminders never show amounts.

Premium is an optional auto-renewing subscription: 29,99 € a year or 4,99 € a month in Spain, and $39.99 a year or $5.99 a month in the United States. The yearly plan starts with one month free for eligible users. In other countries, the App Store shows the price in your currency before you buy. Family Sharing is on.

Cancel in your iPhone's Settings › your name › Subscriptions, at least 24 hours before it renews; deleting Hometill doesn't cancel it. Hometill reads Premium from the App Store on each device, so it appears by itself on any iPhone or iPad signed in with the same Apple Account.

Apple sells the subscription, so only Apple handles refunds: request one at reportaproblem.apple.com.

Write to clarito@duodevapps.com. Tell us your iPhone model and iOS version, and please don't send amounts or screenshots of your figures unless they're needed.