This update focuses on making Tarsi faster, smarter, and more polished. We’ve significantly improved offline AI chat accuracy, boosted performance across the app, refreshed the interface with a cleaner rounded look, added new customization options, expanded forecasts and shortcuts, and introduced several quality-of-life improvements for budgeting, loans, receivables, filters, and account management. PERFORMANCE Improved overall speed and responsiveness across the app, especially on older devices. Wallet loading, charts, receipt scanning, app startup, and transaction logging are now faster and more reliable. Reduced background processing and memory usage for a smoother everyday experience. AI Improved offline AI chat accuracy and reliability. Tarsi now better understands natural expense and income entries, multiple transactions in a single message, follow-up corrections, account names, dates, budget questions, and affordability requests while reducing incorrect or unrelated responses. DESIGN Updated the global app font to a rounded typeface for a cleaner and more modern appearance. Polished the Calendar screen with various UI improvements. Added optional app sounds. HOME Added a new Monthly Forecast widget to the Home screen to better visualize upcoming finances. SHORTCUTS Expanded the Quick Log Shortcut with support for Date, Ledger, Subcategory, Tags, and Receipt Images for more complete logging directly from Apple Shortcuts. FILTERS Added Subcategory selection to transaction filters for more precise filtering. PLANNED INCOME You can now edit the amount of planned income, making it easier to accommodate variable salaries and changing monthly income. LOANS Added an option to choose whether loan payments should be treated as expenses. Expanded loan support with interest rate, interest type, loan term, monthly payment, payment breakdown, and remaining balance tracking. MONEY OWED TO YOU Added a search bar to quickly find receivables by name. ACCOUNTS Added Account Archive to let you close accounts without losing transaction history. Archived accounts become read-only, stay out of active balances, and preserve historical reports and net worth calculations. CREDIT CARDS Transfers from Credit Cards to other accounts now count correctly within statement cycles for more accurate statement tracking. RECEIPT SCANNING You can now edit both the date and time after scanning a receipt instead of defaulting to midnight. LOCALIZATION Fixed Egyptian Pound (EGP) formatting to display standard Latin digits while preserving the E£ currency symbol.

This update introduces major improvements to the Home screen, Calendar, Shopping Lists, offline AI chat, lending, budgeting, and transaction entry, along with dozens of quality-of-life improvements throughout the app. HOME Simplified the Home page with a new unified Payments Due section. Combined upcoming bills and planned payments into a single timeline. Planned expenses and recurring expenses now appear alongside upcoming payments. Due items are sorted chronologically so the nearest payments always appear first. Removed duplicate-looking credit card installment entries from Home when they’re already included in the related statement balance. Installment details remain accessible inside credit card accounts and installment pages. Added a Budget Summary to Home showing your overall budget, amount used, remaining budget, and progress. Added Auto/Manual badges to planned payments so it’s easier to distinguish recurring items from manually created ones. CALENDAR Redesigned the monthly calendar to be cleaner and easier to read. Days now display summarized spending information instead of multiple transaction labels. Tapping a day opens a detailed view showing all transactions for that date. Expense totals are now consistent across Calendar, Reports, Spending Breakdown, and History when using the same date range. Installment payments are no longer counted as expenses unless Log payments as expenses is enabled. SHOPPING LISTS Shopping Lists now support item prices and quantities. Totals are calculated automatically as you build your shopping list. Added parent shopping lists so you can organize multiple grocery or shopping sessions into separate collections. TRANSACTIONS You can now create categories and subcategories directly while adding a transaction. Redesigned the Add Expense and Add Income forms. Currency selection is now a compact pill beside the amount field. Removed the separate currency row to reduce clutter. Exchange rate conversion only appears when the selected currency differs from the account currency. Added an option to hide the keyboard for faster data entry. OFFLINE AI CHAT Offline Chat is now significantly smarter. Learns from your own transaction history, merchants, and spending patterns. Recognizes your custom categories and subcategories naturally. Remembers your commonly used accounts for different transaction types. Improved typo handling and fuzzy matching. Everything continues to run completely offline, keeping your data private. LENDING Added automatic loan interest calculations. Support for monthly and one-time interest rates. Automatically calculates original amount, interest, and total amount owed. Interest breakdown is displayed inside debt details. Creditor names are now shown on the Debt Details page for easier identification. CREDIT CARDS Credit card statements can now be collapsed and expanded to reduce clutter. USER EXPERIENCE OTHERS Date and Time pickers now automatically close after making a selection. This helps prevent accidental changes while scrolling through forms. Added a shortcut to the Feedback page from Settings → About. Improved form flow and overall navigation throughout the app. Numerous bug fixes, performance improvements, and polish across the app.

This update introduces expense splitting, a new Notification Center, enhanced Personal Goals tracking, account balance improvements, QR code uploads for accounts, and several fixes for transfers, withholding tax, and US Stocks currency handling. NEW Added expense splitting across multiple categories and subcategories for more accurate tracking. Added automatic handling of unallocated amounts, keeping any remaining value in the original category. Added split transaction support across transaction history, budgets, reports, backups, and imports. Added optional running balances on transaction details. Added QR code upload for individual accounts. Added a new Notification Center where you can review past notifications anytime from one dedicated place. Added account-based statistics for Personal Goals, showing how much each account has contributed to or withdrawn from a goal. Added a “Total with goals” option on account details to display the current account balance plus funds allocated to Personal Goals. Added a Preferences toggle to show or hide the “Total with goals” display. Added a computation overlay explaining how the “Total with goals” value is calculated. IMPROVED Improved withholding tax handling so tax records remain separate from regular expenses. Restored goal-linked balance visibility on account pages with a cleaner, less intrusive design. FIXED Fixed an issue where some transfers could not be edited or deleted after later account activity. Fixed transfer updates and deletions to correctly apply even when the destination account balance has changed since the original transfer. Fixed the US Stocks currency issue where investment price fields could incorrectly save values using the app’s preferred currency instead of USD.

Recurring expenses are now more flexible, reports are more accurate, and completed loans can now be archived. This update also includes new icons and several fixes to statistics and lending. NEW Added the ability to archive completed loans. Added recurring expense end conditions: Forever, Until Date, Payments, and Total. Replaced the old End on Date option with a new End Condition selector. Added payment count limits for recurring expenses. For example, you can now stop a recurring expense after 6 payments. Manual Mark as Paid is also blocked once the recurring schedule is complete. Added total amount limits for recurring expenses. For example, you can stop once recurring payments reach ₱2,500. Automatic recurring generation also stops once the target total has been reached. Updated recurring schedule previews to clearly show when a recurring expense will end. Updated recurring expense lists and overview to display progress for payment count and total amount limits. Added more wallet and category icons. IMPROVED Completed recurring expenses are now hidden from Upcoming Recurring, Planned Payments, Forecasted Cash Flow, Widgets, and Scheduled Notifications. Accounts marked Hide from Wallet Total are now excluded from Statistics, Reports, Spending Breakdown, and the Home spending distribution widget. Transactions from hidden accounts still remain visible when viewing the account directly or through History. FIXED Fixed withholding tax rates not saving correctly. Fixed accounts marked Hide from Wallet Total still being included in analytics. Fixed Money Lent Out being counted as an expense in account statistics. Lending activity still appears in History but no longer inflates expense totals, cash flow charts, or spending distribution.

This update focuses on reliability, a refreshed planning experience, and better support across more devices. IMPROVED Restyled Calendar View The Calendar view has been refreshed with a cleaner layout and improved visual hierarchy, making it easier to review upcoming expenses, income, bills, and financial activity at a glance. Better Support for Older iOS Versions Improved responsiveness and performance on older iOS devices, helping screens feel smoother and more reliable throughout the app. FIXED Interest Calculation Issue Resolved an issue affecting interest calculations to ensure balances, projections, and related financial data remain accurate.

This update improves lending and credit card workflows, introduces powerful new financial reports, adds more flexibility for loans and installments, and refines several parts of the app for a cleaner and more intuitive experience. REPORTS Added a new Reports view accessible from the Plan toolbar. Analyze income and expenses with monthly or custom date ranges. View cash flow summaries, category breakdowns, period comparisons, and transaction drill-downs. CREDIT CARDS & INSTALLMENTS Added a new Pay Card as Installment option. Convert your current credit card amount due into an installment plan with monthly payments that include interest. Tarsi automatically clears the original statement due while tracking the new installment schedule. Credit card installment payments logged as expenses no longer inflate the card’s Running Balance. Installment payments continue to count toward spending, budgets, and reports. LENDING & LOANS Improved lending log visual hierarchy for better readability. “Money Lent Out” no longer contributes to expense totals. “Money Lent Out” transactions no longer appear when filtering by Expenses. Added custom due dates for loans, allowing you to track lender-specific payment deadlines beyond standard monthly schedules. When a credit card is selected as the funding source for “Money Owed To You” without a credit limit configured, Tarsi now displays: Credit limit not set ACCOUNTS & INTEREST Simplified Interest Settings for accounts. Added clearer separation between Debit and Credit accounts when logging income and expenses. HOME Shopping List items are now displayed separately from Notes. Added checkboxes so you can mark shopping items as purchased directly from the Home side panel. EXPORTS Added Transfer Notes to CSV exports.

This update focuses on speed, budgeting improvements, investing, and a smoother overall experience. The Statistics page now loads significantly faster, cloud sync is smarter, budgeting tools are more informative, and investment tracking now supports both U.S. and Philippine stocks. NEW Spending Breakdown Screen Added a dedicated Spending Breakdown screen to help you better understand where your money goes. Rollover Budget Indicator Added a rollover budget indicator so you can easily identify budgets that include rolled-over amounts from previous periods. INVESTMENTS Expanded Stock Coverage All supported U.S. stocks are now working correctly with daily price snapshots. Added support for Philippine stocks. IMPROVED Smoother App Startup Tarsi now fades in smoothly on launch instead of briefly showing a blank screen. Faster Statistics The Statistics page now opens immediately, while heavier data such as net worth trends load in the background. Smarter Cloud Sync With Auto Sync enabled, Tarsi now automatically checks for newer cloud changes when opening the app. Syncing only occurs when it is safe and will never overwrite local changes that have not yet been synced. More Compact Budget Card Refined the Home screen budget card to take up less space while keeping important information visible. Improved Quick Action Navigation You can now navigate back normally after opening Tarsi from a Quick Action widget. Clearer Calendar Labels “Spent” has been renamed to “Expenses” for consistency with Income tracking. FIXED Category Editing Fixed an issue where saving a category only updated the budget amount. Changes to category names, icons, and colors now save correctly. Category Save Button Fixed a bug where the save button in the Category editor appeared unresponsive after making changes. Balance Adjustments in History Balance adjustments no longer affect income and expense totals shown in History summaries. Statistics Performance Resolved delays that caused the Statistics page to load noticeably slower than other sections.

Smarter scheduling, faster performance, and a safer Tarsi Chat experience. This update fixes end-of-month billing issues, improves app responsiveness on large datasets, enhances charts and Liquid Glass support, and adds App Intents for deeper platform integration. FIXED * Bills due at the end of the month now land on the correct date. Recurring expenses, income, installments, loan payments, and interest scheduled on the 29th–31st no longer skip February or drift into later dates. They now correctly fall on the last day of shorter months. * Cashflow forecasts, installment schedules, and Calendar now use the same corrected dates, ensuring projections match actual logged transactions. * Fixed account shortcut matching for account names containing punctuation (e.g. “BPI Savings!”). IMPROVED * Significantly faster performance on accounts with large transaction histories. * Optimized Home, History, and Account screens to avoid unnecessary recalculations during searches, filtering, and editing. * More consistent number formatting when entering crypto quantities and stock prices across different device locales. * Improved chart visuals for a cleaner and more polished experience. * Added fallback Liquid Glass styling for older iOS devices that do not support the full Liquid Glass experience. * Added App Intents support for deeper platform integrations and smarter system actions. * General performance improvements across iOS and Android. * Reduced app bundle size for faster installs and updates. SECURITY * Hardened AI chat services and shared-group notification systems. * Updated dependencies with the latest security patches and fixes.

This update brings the new Liquid Design experience to iOS, adds quality-of-life improvements across budgeting and debt management, and includes several important fixes for credit card statements, installments, and transaction recovery. NEW FEATURES & IMPROVEMENTS Added a Restore option for recently deleted transactions. Added support for Peruvian Sol (PEN) currency. Added calculators for: Transfers Debts Money Owed to You Installment payments can now be made using an external source account, improving flexibility for credit card repayments. FIXES Fixed credit card statement cycles not properly including income entries. Credit card statement and cycle totals now correctly subtract income entries recorded to the same credit card account. Fixed an issue where rapidly tapping buttons could open multiple instances of the same screen. Fixed an issue where editing an existing credit card expense and enabling Track as Installment could incorrectly set the expense amount to the installment placeholder value (often ₱0) without creating the corresponding installment record.

Performance fixes and general improvements.

This update brings faster account actions, more flexible budgeting, improved Home screen customization, enhanced receivables handling, and several usability improvements and bug fixes. NEW FEATURES * Added Quick Actions buttons on individual account screens for faster debit and credit entries. * Added Tarceipt support to local bill splitting. * Collections can now exceed the remaining receivable balance: * The amount up to the remaining balance is recorded as a receivable collection. * Any excess amount is automatically recorded as a linked Gift income entry. * You can now add income transactions to credit accounts. * Added a Bi-Weekly budget option. * Added a Recently Deleted screen for recovering removed items. * Home settings now separate Category Budgets and Personal Goals into their own sections. * Budget indicators on the Home screen can now be rearranged via drag and drop. IMPROVEMENTS * Performance improvements across the app. * Enhanced widgets for a better Home screen experience. * Updated calculator layout for improved usability. FIXES * Fixed an issue where installment payments were not being counted correctly in History.

This update improves loans, installments, assets, transfers, receipt handling, and overall transaction behavior across the app. NEW FEATURES * Enhanced receipt display with dedicated Owed Items and Payment History sections. * You can now attach images to transfers. * Transfer screen now includes: * Image (optional) * Camera capture * Photo picker * Image preview * Change/remove image actions * Expense and income categories can now be rearranged via drag-and-drop. * Added Income Distribution subcategories on the History screen. * Expanded touch targets on the Wallet screen. The entire account group header row now toggles expand/collapse. IMPROVEMENTS * Updated custom tag UX and behavior. * Balance Adjustment now allows notes-only saves even when the asset value remains unchanged. * Asset balances are now reconciled using the latest balance adjustment plus succeeding asset transfers during import/hydration, helping affected historical data self-correct. * Goal-linked asset accounts now properly sync linked goal amounts when saving or deleting balance adjustments. * Shared asset adjustments now update the shared remote account first, preventing outdated values from reappearing during sync. * Wallet account history now follows the same behavior as the main History screen for normal transaction rows. * Posted installments now only display the scheduled monthly amortization instead of the full financed amount. * Future installment postings are now hidden until posted. * The lower credit balance card now uses statement/running-cycle totals when a statement day is configured. * Available credit calculations continue to use the full installment principal for accuracy. LOANS & CREDIT * Creating a loan account with an opening balance now stays neutral in History and account timelines. It no longer counts as income or expense. * Actual loan payment records now count as expenses in overall History totals. * Loan beginning balance rows still appear as setup/beginning balance entries without +/- treatment. FIXES * Implemented the asset adjustment fix. * Fixed the Money Owed To You overview so Lending and Collection logs now use the selected log date instead of the creation timestamp. * Lending and Collection logs now auto-sort newest-to-oldest based on the selected log date, with creation time only used as a same-day tie-breaker.

Major improvements to History usability, better financial accuracy for debts/receivables, and stronger installment + credit handling. Includes UI refinements, smarter AI, and fixes for filtering, statements, and cashflow. NEW FEATURES HISTORY IMPROVEMENTS * Search bar, selection toggle, bulk actions, and filter card now scroll with the transaction list * Added compact Clear button when filters/search are active * Clear resets search, type, category, account, tag, and date range * Tapping a budget category on Home now opens History filtered to that category INSTALLMENTS * Editable installment payment amount before saving * Installment list now shows decimals and total amount * Installment overview now shows total, paid, and editable payment amount RECEIVABLES & DEBT HANDLING * Deleting a receivable now correctly reverses: * linked advances/lending back to source account * linked collections from collection account * Added shareable receipt graphic for money owed to you CREDIT & CASHFLOW * Implemented credit card to wallet transfer flow * Loan payments can now be paid from: * debit accounts * credit cards * Fixed forecasted cashflow sorting * Fixed issue where future statement cycles were appearing BACKUP * Added in-app Restore auto backup flow (Settings → Backup → Manage your local backup) UTILITY * Log Collection screen now shows: * highlighted Full amount chip (based on remaining balance) * computed quick options like Half and valid fixed amounts * Local shared balance editor now includes Split 50/50 calculator button * You can now rename a person from their individual Local Bill Splitting screen IMPROVEMENTS * Planned and recurring expenses now resolve subcategory icons correctly (consistent with Planned Payments) * Updated credit account UI * Wallet header and balance panel now scroll with content instead of staying fixed * Budget management remains accessible under the Manage button * Improved receipt scanning parser and logic * Made Tarsi Chat smarter and reduced hallucinations * Delete confirmations now explicitly indicate wallet balance reversals FIXES * Fixed Income filter showing expense categories instead of income categories * Fixed issue where deleting a debt did not reverse linked borrowings/payments * Fixed false trigger where Money Manager backup incorrectly flags missing ZINOUTCOME table * Fixed minor issue in generated invoice layout

Focus on fixing statement/cycle inconsistencies and significantly improving multi-currency accuracy across the app. This update also cleans up edge cases in loans, installments, and shared balances. FIXES * Fixed issue where the statement day was treated as an inclusive cycle end date * Fixed loan category still appearing on Home after being fully paid, with incorrect installment reflection * Fixed mismatch between credit card cycle totals and SOA due to incorrect summing of visible rows (especially with installments, payments, and adjustments) * Fixed projected cashflow ignoring installment payments with missing/invalid payment sources * Fixed rounding issues when editing transactions in non-PHP currencies * Added safer handling when deleting accounts used as installment payment sources IMPROVEMENTS * Improved currency accuracy across the entire app * Account balances, expenses, income, transfers, card payments, installment payments, and interest now follow correct decimal rules per currency * History day headers now convert mixed-currency totals before displaying * Transfer previews now properly reflect: * Sent amount * Received amount * Fees * Total deduction based on source and destination currencies UPDATES * Planned Payments: * Overdue items now show an Overdue badge in the date group header NEW * Added delete action for shared-balance advance rows in both: * Card History * Main History

This update focuses on improving accuracy across credit cards, debts, and summaries, while refining how data is displayed and synced. Credit card handling is now more reliable with proper cycle grouping and overpayment carryover. Syncing is clearer with explicit push/pull options. Several inconsistencies in balances, filters, and UI alignment have also been resolved. NEW FEATURES * Added income and expense distribution bar in individual account statistics * Credit card view now groups transactions per billing cycle instead of per day * Sync flow now includes options: * Pull from Cloud (replace device data) * Push to Cloud (replace/update cloud data) IMPROVEMENTS * Statement due is now always calculated from the latest closed statement date * Overpayments on credit cards are now carried over to the next cycle correctly * New users now default to including credit cards under liabilities FIXES * Fixed issue where expense and income subcategories could affect each other * Fixed incorrect remaining balance in “Money owed to you” after editing collected amounts and logging wallet collections * Fixed missing newer profile arrays in older cloud snapshots * Fixed local bill split settlement flow * Fixed net balance and spendable UI alignment * Fixed template subcategory flow * Fixed home payment summary showing all future loan/credit due dates regardless of schedule * Fixed History category filter applying only to regular expenses (now applies to all transaction types including debt payments, transfers, income, collections, and adjustments)

This update improves installment tracking and refines account management, planning views, and history accuracy. Introduces realtime updates via Tarsi Cloud. NEW FEATURES Installment setup now supports optional monthly payment amount Clearer “what’s due this month” total for installments on Home Can now log installment payments as expenses Transfer fees are now added on top of the transfer amount Local shared bill movements now appear in History TARSI CLOUD Realtime push notifications for every transaction in shared accounts Realtime push notifications for cloud bill splitting IMPROVEMENTS Rearranging accounts now uses drag gestures instead of arrows Account groups can now be changed via drag and reorder Planned payments date headers now show daily totals instead of item count Expense distribution now shows subcategories indented under parent categories History totals and badges now consistently display two decimal places Improved AI insights for smarter recommendations FIXES Debt received into wallets (e.g. GCash) now correctly reflects in balances Fixed PNG export not generating for Local Bill Splitting UI UPDATES Added back button on Tarsi Coach screen

This update focuses on improving reliability across recurring logic, loans, and credit cards, while expanding features like data import, home insights, and shared balance management. Several long-standing edge cases are fixed, and overall performance is improved. NEW FEATURES * Import data from other apps * Expense chart on home screen (optional toggle) * Income distribution now visible in calendar view * Planned-only payments (including one-time) now appear on home screen * Edit / Delete / Archive actions added for Local Bill Splitting and Money Owed To You * Added currencies: LKR (Sri Lankan Rupee), BDT (Bangladesh), NGN (Nigeria), KES (Kenya), RUB (Russia) IMPROVEMENTS * Card payments can now be backdated (both new “Pay card” and edits) * Credit card statements now reflect full shared-balance charges (not just your share) * Tapping a Shared balance advance opens the linked transaction detail * Transaction detail now includes Edit shared balance and Delete split actions * Shared-balance editor now supports editing existing splits * General performance improvements FIXES * Fixed Tarsi Cloud sync where “last sync” was not updating * Fixed recurring expense editing issues * Fixed credit card defaulting to 0 * Fixed recurring cleanup bug * Fixed import/export (CSV/JSON) missing installments * Fixed loan payments not appearing in history * Fixed installment statement issues * Fixed fully paid debts not reopening * Fixed editing bi-monthly recurring income * Fixed loan due date not showing on home screen

This update focuses on fixing edge cases in debts, installments, and projections, while improving shared bills and adding new tools. NEW FEATURES Local Bill Splitting You can now split bills directly on-device without needing cloud features. Works alongside existing shared bill flows. Warranty Tracker Tool Track warranties for purchases so you know what’s still covered and when they expire. Quick Pay (Credit Cards) A faster way to settle credit card payments directly from the payment form. Bundled Credit + Installment Support Better handling for grouped credit payments and linked installment plans. Enhanced Transaction Keyboard Added support for multiplication, division, and modulo operators so you can compute amounts directly when logging transactions. SHARED BILL IMPROVEMENTS You can now link existing expenses to a shared bill, not just new ones Open and manage linked bill splits directly from the transaction screen Clearer breakdown of: - your actual expense - pending shared balance - reimbursed amount Participants now require name + email (with smart suggestions from past entries) “Mark Paid” updates settlement status only (no extra entries created) IMPROVEMENTS Tapping upcoming payments on the home screen now redirects correctly to planned payments Account groups can now be collapsed/expanded by tapping the title Edit Account screen now has sticky Save/Cancel buttons Tax calculator now includes employment type selection for compensation income FIXES Debt & Installment Logic Installments can no longer advance when underpaid Loan payments now follow correct schedule behavior Final installment amounts are now accurate for bundled payments Recurring debt due dates now stay properly linked and preserved Overpayments and over-collections no longer break balances or ledger state Deleting accounts restores related debts/receivables if history is removed Archived debts are now excluded from totals, net worth, and projections Projection bugs no longer assign debt/installment outflows to random accounts GENERAL FIXES Fixed reload issues and account restart bugs This release mainly stabilizes financial tracking accuracy, especially for debts, installments, and shared expenses.

This update focuses on stability, accuracy, and small quality-of-life improvements across the app. NEW * No Spending Streaks — track days where you intentionally spend nothing * Expanded currency support IMPROVEMENTS * Chat now opens with the input box immediately active * Review prompt no longer shows on every update * Asset accounts now support balance adjustments Fixes * Fixed “Check for updates” not working * Fixed rearranging issues * Fixed reopen receivable not working * Fixed transfer fee calculation bug * Fixed installment issues * Fixed decimal placement errors

This update focuses on improving financial clarity, fixing core issues, and introducing a new learning feature inside the app. NEW FEATURES SAVINGS SUMMARY Get a clearer view of your progress. You can now see how much you’re saving over time in one place, making it easier to track consistency and growth. TARSI COACH (NEW) A built-in financial literacy module inside the app. * Covers both foundational and advanced topics * Unlock content through usage and engagement * Uses your own financial data to provide more relevant insights and context This turns Tarsi from just a tracker into a learning tool. INSTALLMENT LINKING TO CREDIT ACCOUNTS You can now directly link installments to their corresponding credit accounts for better tracking and accuracy. IMPROVEMENTS RECURRING TRANSACTIONS Refinements to recurring income and expense flows for better reliability and usability. FIXES * Fixed Plan screen scroll issues * Fixed Travel Mode being blocked by the keyboard * Fixed balance transfer inconsistencies * Fixed installment-related bugs

This update adds structure to how you track money (especially for trips and events), plus real tools you can actually use day to day. NEW FEATURES TRAVEL MODE Start a trip from the Plan screen. While it’s active, every expense or income you log is automatically grouped under that trip. No manual tagging needed. When the trip ends, your data stays grouped for review, but new entries won’t be included anymore. TAGS Create your own labels for anything—projects, events, side hustles, or occasions. You can attach tags to entries so you’re not limited to categories. This is useful for things like birthdays, food trips, or tracking a specific event across different expense types. HISTORY FILTERING (BY TAGS) You can now filter your transaction history using tags. This makes it easier to answer questions like “how much did I spend on this trip?” or “how much did this event cost?” without digging manually. STREAKS (CUSTOMIZABLE) Track consistency with streaks that match your goals. You can choose what counts as a streak: Logging streaks (did you log today?) No-spend streaks (spent nothing for the day) Minimum spend targets (stay under a set daily amount) Set your own rules and keep your streak going based on how you want to manage your money. TOOLS A new dedicated section with built-in utilities: Currency Exchange - quick conversions while tracking multi-currency spending Invoice Generator - create simple invoices directly in the app Income Tax Calculator - estimate taxes without leaving Tarsi Shopping List - plan purchases alongside your budget More coming soon! PULL TO REFRESH (WALLET) Swipe down on the Wallet screen to update stocks, crypto, and forex data instantly instead of waiting for auto-refresh. TRANSACTION TIME (TRANSFERS) Transfers now include exact timestamps, not just dates, so your logs are more precise. EDITABLE LOGGED DATES (DEBTS AND RECEIVABLES) You can now adjust dates for money you owe or are owed, making backtracking and corrections easier. CAMERA SHORTCUT FOR ATTACHMENTS When logging income or expenses, you can open the camera directly to capture receipts or proof without extra steps. EXPORT DAILY SPENDING Generate a clean image of your daily spending summary. Useful for sharing progress or posting on social media. SPENDABLE AMOUNT EXPLANATION A new button explains how your “spendable” amount is computed so you understand where the number is coming from. IMPROVEMENTS Faster flow when logging (no forced redirect to Home) Chat logging now shows tappable receipt rows for quick review More compact currency selector Cleaner rearrange mode with a floating “Done” button Notifications for upcoming payments and interest events General UI cleanup and simplification FIXES Multi-currency distribution chart calculations Bill splitting flow (participants now shown first) Installment and card billing issues Net balance toggle not saving Custom logo history filter bug Android icon and splash screen issues Other minor bugs

This update focuses on improving income tracking, debt management, shared accounts, and overall consistency across the app. NEW FEATURES • Custom Monthly Budget Cycle Set your own monthly budget start day. Supports salary-based cycles (e.g. 25th–24th). Applies to budgets and summaries only. • Income Categories Overhaul Income categories are now easier to manage and customize – Built-in categories (Interest, Dividend, Rental) can be edited directly – Add subcategories (e.g. banks, dividend sources, properties) – Supports subcategories across logging, history, and details – Custom categories now support image icons • Improved Category Editing Long-press any category while logging to open its settings instantly • Debt & Receivables Improvements – Indicator for fully paid entries – Auto-archiving of completed debts and receivables – Added missing date fields in editors • Tarsi Cloud – Added bill splitting • Smarter Chat Logging Better handling of dates when parsing entries • Spendable Calculation Update Now considers remaining days in the current cycle • Auto Update Prompt Shown on app startup and in settings IMPROVEMENTS • Removed borders on forecast items • Updated date formats across the app FIXES • Fixed notes disappearing after update • Fixed decimal inconsistencies • Fixed loan account creation issue (payment values not saving) • Fixed credit card balance not updating after deleting expenses in shared accounts • Fixed shared credit card balances not syncing correctly after transactions • Fixed zero-amount recurring/planned transactions for credit cards

This update focuses on smarter tracking, improved financial insights, and more consistent behavior across accounts, goals, and planning flows. NEW FEATURES • Added quick photo and text notes on account cards (tap to flip) • Added hold gesture to quickly open camera for receipt scanning • Added ability to edit profile name • Added bi-weekly option for recurring planned payments across the app • Added percentage support in subcategories • Added ability to attach photos to goals for inspiration GOALS SYSTEM UPGRADE (Major) • Personal Goals now use linked goal accounts behind the scenes • Goal contributions now behave as real transfers (no disappearing money) • Goal withdrawals now correctly move money back into accounts • Goal balances stay synced across edits, deletes, imports, and restores • Existing users are safely migrated with balances and progress preserved DEBTS & RECEIVABLES • Linked recurring debt payments are now integrated into the debt flow • Added payment history insights for “Money Owed to You” • Shows payer reliability (reliable, delayed, high risk) • Displays warnings for overdue or risky borrowers • Collection logs now support actual payment dates for accuracy ACCOUNTS & CREDIT CARDS • Card payments can now exceed owed amount (supports negative balance for overpayment) • Home card now shows statement dues instead of live balances • Fallback logic: • No statement day → shows current owed balance • No due day → excluded from due-focused section • Unified card/account selector across all account selection flows • Loan payments are now logged properly and appear in transaction history TEMPLATES & CUSTOMIZATION • Template colors can now be overridden with user-selected colors AI & CHAT • Offline Tarsi chat is now smarter and more accurate PLANNING & UI • Updated forecast cashflow screen • Improved group shared account toggle placement IMPROVEMENTS • Save income now automatically closes the form after submission • Improved consistency in account selection behavior across the app FIXES • Fixed Money Owed to You increasing after app restart • Fixed debt entry clearing bug • Fixed credit card chat parser issues • Fixed credit card payment amount parsing • Fixed issue where Save Income does not close form • Fixed quick actions bug

This update focuses on improving planning, account management, and overall consistency, while introducing optional cloud capabilities and better handling of credit, debts, and receivables. NEW FEATURES • Introduced Tarsi Cloud (optional) Shared accounts Online sync Smarter AI chat (better understanding of behavior, spending, and affordability) • Credit cards now show “This Statement” metric under due-day / statement-day • Added support for subcategory icons and templates • Added quick button for account group management on Wallet screen • Added button filters for Planned Payments IMPROVEMENTS • Plan flows (Goals, Debts, Money Owed to You) now fully respect decimal mode across all screens • Improved decimal consistency across the app • Group totals now respect Privacy Mode • Receivables now show a proper lending log, including the original recorded amount • Fully paid debts no longer show a due date FIXES • Fixed home card order persistence • Fixed bi-monthly persistence bug • Fixed loan amount date picker • Fixed Plus Button tap/hold preference persistence • Fixed individual currency issues • Fixed credit card installment flows

Major feature upgrades across budgeting, accounts, and customization. FEATURES • Added new category budget mode: % of income • Category budgets can now be set as fixed amount or percentage of income • Percentage budgets auto-calculate based on income within the selected interval • Added new loan and asset account types • Added SSS, PhilHealth, and Pag-IBIG account templates • Added account grouping with reordering • Added Money Owed to You close/reopen feature • Added recurring expenses support for credit cards • Added different currency transfers • Added Filipino language option (now default) • Tarsi mascot is now animated • Added “Credit cards due soon” section on home screen • Added customizable home screen with reordering • Added photo attachment full screen view • Added income distribution chart IMPROVEMENTS • Home Recent now follows transaction date first, then createdAt within the same day • Transfers can now be edited • Chat now supports adding expenses to credit cards • Expanded note field tap target • Added clear button in chat • Added help button in chat • Updated wallet screen toggle to All / Assets / Liabilities • Debts now show indicators when near due date • Allowed multiple decimal handling for interest BUG FIXES • Fixed chat not detecting subcategories • Fixed maintaining balance issue • Fixed recurring transactions with “Start Later” triggering early • Fixed editing one-time upcoming entries incorrectly showing Repeat tab