• New Rules & Tags: auto-tag transactions with rules you build by hand or describe in plain English, with a preview before saving. • Tag chips, a date-range pill, and Rules and Group shortcuts on Transactions. • New Detailed Categories added to give your transactions better representation. • Home now shows Last 7 Days spending and a redesigned Recent Transactions list. • Settle Up uses clear Adjust, Delete and Pay buttons instead of swipe actions, and the split editor is easier to use. • Redesigned Partner Sharing, richer AI Assist charts, and new Smart Signals. • Reactivate inactive accounts without starting over. • Fixes for iOS tap reliability, manual transaction saving, dismissed alerts staying in your inbox, and AI conversation restore.

• Home: new Cash Net Worth hero chart with a carousel indicator, and sparklines aligned to the hero axis • AI Assist: suggested prompts and a better empty state, smarter paging, cleaner charts and tables, and improved theming • Recurring: new Early Subscriptions callout on the Recurring page flags new subscriptions as they start • Smart Signals: new signals are marked NEW, with a live pulse on the latest • Help: the in-app Help Center is rebuilt, with clearer articles on splitting, settling, accounts and subscriptions • Faster first load: Home opens sooner and each section fills in as its data arrives • Subscriptions: clearer account limits and All Access features, with safer refresh handling • Partners: more reliable partner sharing across every screen, and a new, safer Disconnect Partner flow • Appearance: faster, more consistent theme switching between light and dark, plus new loading skeletons • Transactions: the date range now always follows your selection • Fixed a crash when searching AI history • Fixed AI Assist suggestions theming and cancellation • Refined partner header, progress indicators and chart rendering • General stability and performance improvements

• Smart Signals: a daily feed on Home, Accounts and Recurring that ranks what needs attention most urgent first, with AI analysis. Tap a signal to see what it means and the next move, or hide it for a week. • Recurring, rebuilt: a new Forecast tab shows what's due before payday, a 14-day calendar with merchant logos, and a full cash-flow forecast for 2 weeks, 30 or 90 days with paydays and your low point. • Bills & Subscriptions suite: price changes with history per item, active bills grouped by category, a frequency breakdown, and an Inactive view for paused, cancelled and possibly stopped items. • Needs Review: swipe right to confirm or left to skip, with Undo and Restore. The AI flags a category that doesn't match its charges and fixes it in one tap. • Bills & Subscriptions Checkup: savings, tasks, trends and a tree map of where the money goes, all in one place. Tasks can be marked done, dismissed or snoozed. • Accounts dashboard, rebuilt: a net worth hero with history, an "Accounts need attention" banner with one-tap reconnect, and a searchable directory with nicknames, freshness and monthly change per account. • Dividends: a new Investments tab with trailing-12-month, year-to-date and lifetime income, upcoming payments and reinvestment rate. • Performance Insights: monthly returns, drawdown from the running high, and which holdings drive or drag on gains. • Credit-cycle insights: due status in your own time zone, grace periods, purchase-interest warnings, promo APR handling, and a "pay only the minimum" outlook next to a 3-year payoff plan. • Keep my changes when Plaid syncs: your edits to transactions and recurring items survive every sync, with Reset to Plaid when you want it. • Transaction popup redesign: a merchant-colored header, highlight tiles that jump to their tab, and Transaction, Recurring and History tabs. • Recurring in the popup: insights, details and every charge, with Active, Paused, Cancelled and Archive status and a rename that applies to all charges. • Manual transactions: delete your own from the popup, and they always show as yours. • Partner transactions: open and edit them as their owner. Only the owner can split or share, and split amounts always read from your side. • Split once: the app always knows whether a transaction is already split, settled or on Auto Split, and the History tab takes you to the right place. • Settle Up: batch select with Pay all, and either partner can reverse a split. Split history now has an all-time chart. • Transactions list: recurring status pills on rows, search across merchant names, remembered sort order and faster paging. • One menu control app-wide: a sliding pill with accent glyph across Accounts, Liabilities, Investments, Reports, Recurring and Notifications. • Design refresh: new splash screen, dark iOS tab bar matched to the theme, redesigned Home quick actions, and loading skeletons that mirror the real layout. • Faster sign-in: goes straight to Home, with no delay and no background work in the way. • Faster Home: every section loads in parallel and each card appears as its data arrives. • Faster Needs Review: lighter, cached loads that fill the screen on every iPhone. • Stability and reliability: popup crash hardening, swipe-dismiss fixes, and first-render fixes on iOS.

• Live stock ticker: a scrolling ticker of your holdings now sits under the Investments chart. Drag it to browse; it picks back up when you let go. • Alerts from anywhere: tap the new bell on Investments or Liabilities to see all your alerts and open any alert's details without leaving the screen. • Alert details in Notifications: tap an alert in Notifications to read it right there. • Jump to a stock: tap a ticker in an alert to go straight to that security on the Investments page, with its price and volume charts in view. • Easier security switching: pick a different security and the page reloads its data and keeps the charts and metrics in view. • Faster Recurring page: the forecast loads much quicker, and the rest of the page fills in as you scroll. • Tappable cash-flow forecast: tap any bill, subscription or income in the forecast to open the full transaction. • Alerts on shared investments: create investment alerts on the accounts and holdings your partner shares with you. Watch just yours, just your partner's, or the whole household. • Clearer alert setup: choose whose accounts to watch first, and the holding list updates to match. Your partner's holdings are clearly labeled. • Alerts stay on: hiding your partner's data in the header no longer pauses or changes your alerts. • Web and app stay in sync: show or hide your partner's data on the web, and the app matches the moment you open it or switch screens, and the other way around. • Up-to-date liabilities: refreshing your accounts now also updates your liabilities total on the Dashboard. • Stability and reliability: fixed a crash when switching between securities, improved how notification images load, and made the app more reliable on weak connections.

3.9.0 • Cash Flow & Card Spending Alerts: Set monthly spending limits for individual cards or groups of cards. Track spending, pending charges, and days remaining, with customizable milestone alerts and over-limit reminders. • Custom Investment Rules: Create alerts for supported portfolio, holding, and investment activity conditions—including price targets, daily moves, gains and losses, and portfolio concentration. • Smart Quick Presets: Set up investment alerts faster with presets tailored to the selected alert family and available holding data. Customize thresholds, direction, account scope, and notification preferences. • Persistent Smart Signals: Card-spending and investment alerts now appear at the front of Smart Signals, keeping important updates visible until dismissed or marked as read. • Detailed Alert Snapshots: Tap a Smart Signal to review the values captured when it triggered, then jump directly to its rule to make adjustments. • Improved Alert Management: Review recent alerts, mark them read, and edit, pause, resume, or delete rules from streamlined screens with clearer layouts and light- and dark-mode support. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements.

• Cash Flow & Card Spending Alerts: Set monthly spending limits for individual cards or groups of cards. Track spending, pending charges, and days remaining, with customizable milestone alerts and over-limit reminders. • Custom Investment Rules: Create alerts for supported portfolio, holding, and investment activity conditions—including price targets, daily moves, gains and losses, and portfolio concentration. • Smart Quick Presets: Set up investment alerts faster with presets tailored to the selected alert family and available holding data. Customize thresholds, direction, account scope, and notification preferences. • Persistent Smart Signals: Card-spending and investment alerts now appear at the front of Smart Signals, keeping important updates visible until dismissed or marked as read. • Detailed Alert Snapshots: Tap a Smart Signal to review the values captured when it triggered, then jump directly to its rule to make adjustments. • Improved Alert Management: Review recent alerts, mark them read, and edit, pause, resume, or delete rules from streamlined screens with clearer layouts and light- and dark-mode support. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements.

• Smarter Chip In Intelligence — The AI engine was rebuilt to understand your full financial picture: spending, recurring bills, subscriptions, investments, credit cards, and loans, with stronger accuracy on complex questions. • Grounded tables and charts — AI responses now validate table and chart data before displaying it, and every number comes straight from your real transactions — helping prevent unreadable transaction IDs and mismatched values. • Automatic AI correction — When a response contains invalid or unverified data, Chip In automatically rebuilds it from the original financial data instead of showing unreliable results. • Stronger data safeguards — New multi-layer protections ensure AI answers only ever use your own data, and partner data only when you ask and it's been shared with you. • Instant follow-ups — Ask "show that as a bar chart" and it appears immediately, without re-processing your data. • Clearer transaction details — AI-generated tables now prefer real merchant and transaction names over internal account identifiers. • Export AI insights — Share AI responses as a PDF, image, or CSV file when a table is available. • AI response actions — Quickly copy, retry, rate, or continue an AI response with suggested follow-up questions. • Smoother AI experience — See live progress while the AI works, cancel anytime, and enjoy a refined, continuously animated border while a response is being generated. • Improved "Who Owes What" animation — Settlement balances now transition with smoother, more fluid motion. • Updated subscriptions and purchase support — Improved compatibility with the latest subscription and in-app purchase services. • Improved dark-mode consistency — Refined AI Assist colors, history selection contrast, search controls, and theme updates.

• Smarter AI tables and charts — AI responses now validate table and chart data before displaying it, helping prevent unreadable transaction IDs and mismatched values. • Automatic AI correction — When a visualization contains invalid or unverified data, Chip In asks AI to rebuild it from the original financial data instead of showing unreliable results. • Clearer transaction details — AI-generated tables now prefer real merchant and transaction names over internal account identifiers. • Export AI insights — Share AI responses as a PDF, image, or CSV file when a table is available. • AI response actions — Quickly copy, retry, rate, or continue an AI response with suggested follow-up questions. • Smoother AI experience — The AI request field now has a refined, continuously animated border while a response is being generated. • Improved “Who Owes What” animation — Settlement balances now transition with smoother, more fluid motion. • Updated subscriptions and purchase support — Improved compatibility with the latest subscription and in-app purchase services. • Improved dark-mode consistency — Refined AI Assist colors, history selection contrast, search controls, and theme updates.

• All New - Split and sharing features! All new area to better manage sharing and managing finances with your partner. No other app is this comprehensive. • Chip In Intelligence – Ask natural-language questions about spending, income, subscriptions, investments, and more, with conversational insights, charts, and tables. • Advanced Investment Dashboards – Explore enriched market data, portfolio performance, holdings, securities, movers, and interactive charts. • Smarter Financial Forecasting – See upcoming bills, predicted income, paydays, major expenses, and spending patterns. • Partner-Aware Insights – Analyze shared finances, compare spending, and understand personalized expense splits. • Improved Account Management – Faster synchronization, clearer refresh controls, institution-level updates, and real-time connection alerts. • Flexible Exports – Export supported insights as PDF, image, or CSV. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements.

• All New - Split and sharing features! All new area to better manage sharing and managing finances with your partner. No other app is this comprehensive. • Chip In Intelligence – Ask natural-language questions about spending, income, subscriptions, investments, and more, with conversational insights, charts, and tables. • Advanced Investment Dashboards – Explore enriched market data, portfolio performance, holdings, securities, movers, and interactive charts. • Smarter Financial Forecasting – See upcoming bills, predicted income, paydays, major expenses, and spending patterns. • Partner-Aware Insights – Analyze shared finances, compare spending, and understand personalized expense splits. • Improved Account Management – Faster synchronization, clearer refresh controls, institution-level updates, and real-time connection alerts. • Flexible Exports – Export supported insights as PDF, image, or CSV. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements.

• Chip In Intelligence – Ask natural-language questions about spending, income, subscriptions, investments, and more, with conversational insights, charts, and tables. • Advanced Investment Dashboards – Explore enriched market data, portfolio performance, holdings, securities, movers, and interactive charts. • Smarter Financial Forecasting – See upcoming bills, predicted income, paydays, major expenses, and spending patterns. • Partner-Aware Insights – Analyze shared finances, compare spending, and understand personalized expense splits. • Improved Account Management – Faster synchronization, clearer refresh controls, institution-level updates, and real-time connection alerts. • Flexible Exports – Export supported insights as PDF, image, or CSV. • Performance and Reliability – Additional interface improvements, bug fixes, and synchronization enhancements.

• Enhanced Liabilities dashboard insights and charts. • Improved payment and balance breakdown accuracy. • Faster Bills & Subscriptions cash-flow forecasts. • Refined dark mode colors and readability. • Improved AI Assist search and conversation controls. • General stability and UI improvements. • Integration with Chip In web app. • Stability improvements. • Bug fixes.

• Enhanced Liabilities dashboard insights and charts. • Improved payment and balance breakdown accuracy. • Faster Bills & Subscriptions cash-flow forecasts. • Refined dark mode colors and readability. • Improved AI Assist search and conversation controls. • General stability and UI improvements. • Integration with Chip In web app. • Stability improvements. • Bug fixes.

• Enhanced Liability Payoff Outlook with server-driven projections, promotional APR tracking, and clearer payoff recommendations. • Smart Insights carousel added to the Accounts dashboard for faster, actionable account guidance. • Interactive dashboard history charts now include animated date-range filters and reliable, user-controlled carousel navigation. • Swipe down to dismiss is now supported across applicable popups, with native scrolling and elastic overscroll preserved. • Dark-mode support and theme switching were improved across dashboard and popup experiences. • Financial insights were expanded with new personalized AI-driven guidance. • Security improvements and updates. • Integration with Chip In web app. • Stability improvements. • Bug fixes.

- v3.5 includes tons of polished UI updates. - Powerful liabilities (credits/loans) features, best payoff order, interest savings dates, highest APRs, and more! - New AI features (Pin conversation to top, rename saved conversation. or remove conversation). - AI UI and backend enhancements improving overall experience. - Quick sharing partner features (tap on avatars to hide/show partner data instantly). - Extensive feature set addition to Recurring Transactions. - New Accounts timeline filter chart. - Export to Excel for data grids. - Smarter subscription tracking — Subscriptions are now grouped into durable, stable records that survive plan changes, price updates, and account reconnections. Your subscription list no longer shows duplicates or phantom entries when Plaid refreshes its data. - Accurate subscription status — Each subscription now carries a clear status (Active, Stopped, Ignored, PossiblyActive, PossiblyStopped) so you can immediately see what you're actually being charged for vs. what may have quietly lapsed. - Price change history — View the full price-over-time history for any subscription, including the exact amount change and percentage increase between charges. - Lapsed & overdue subscriptions — The app now correctly identifies subscriptions you may have cancelled or that stopped charging, so you can clean up your list or spot unexpected interruptions. - Spending forecast — Upcoming charges are projected from durable subscription records, giving you a more accurate month-by-month cash-flow view. - Real-time subscription data — Subscription groups are automatically refreshed each time your bank syncs recurring transactions, so your list stays current without waiting for a manual refresh. - AI financial insights — The AI assistant's subscription-related answers and SQL queries are now grounded in the same durable group data, producing more accurate responses to questions about bills, subscriptions, and recurring income. - Recurring income tracking — Recurring income streams (payroll, transfers) are surfaced separately from expenses with correct flow direction and normalized monthly/annual estimates. - Fixed: Frequency breakdown row totals now correctly show the actual sum of the grouped items — previously a normalization bug inflated amounts (e.g. a single $300 semi-weekly item incorrectly displayed as ~$2,600) - Fixed: Frequency breakdown item counts now always match the number of items shown when drilling into a row — previously the subscription feed could report a count with no openable rows (e.g. an empty "Unknown" sheet) - Fixed: Frequency breakdown now sources data from the recurring-transactions feed (which carries the identity fields needed to open the transaction detail popup), rather than the subscription feed - Fixed: Recurring transaction frequency labels now correctly canonicalize across all API spelling variants (e.g. SEMI_WEEKLY, Semi_Weekly, semi-weekly all resolve to Semi Weekly) — previously spaced variants fell through to "Unknown" - Fixed: Transaction detail popup recurring frequency selection now stays in sync with the correct cadence returned by the API — previously could show "Biweekly" when the actual frequency was "Semi Weekly" - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- New AI features (Pin conversation to top, rename saved conversation. or remove conversation). - AI UI and backend enhancements improving overall experience. - Quick sharing partner features (tap on avatars to hide/show partner data instantly). - Extensive feature set addition to Recurring Transactions. - New Accounts timeline filter chart. - Export to Excel for data grids. - Smarter subscription tracking — Subscriptions are now grouped into durable, stable records that survive plan changes, price updates, and account reconnections. Your subscription list no longer shows duplicates or phantom entries when Plaid refreshes its data. - Accurate subscription status — Each subscription now carries a clear status (Active, Stopped, Ignored, PossiblyActive, PossiblyStopped) so you can immediately see what you're actually being charged for vs. what may have quietly lapsed. - Price change history — View the full price-over-time history for any subscription, including the exact amount change and percentage increase between charges. - Lapsed & overdue subscriptions — The app now correctly identifies subscriptions you may have cancelled or that stopped charging, so you can clean up your list or spot unexpected interruptions. - Spending forecast — Upcoming charges are projected from durable subscription records, giving you a more accurate month-by-month cash-flow view. - Real-time subscription data — Subscription groups are automatically refreshed each time your bank syncs recurring transactions, so your list stays current without waiting for a manual refresh. - AI financial insights — The AI assistant's subscription-related answers and SQL queries are now grounded in the same durable group data, producing more accurate responses to questions about bills, subscriptions, and recurring income. - Recurring income tracking — Recurring income streams (payroll, transfers) are surfaced separately from expenses with correct flow direction and normalized monthly/annual estimates. - Fixed: Frequency breakdown row totals now correctly show the actual sum of the grouped items — previously a normalization bug inflated amounts (e.g. a single $300 semi-weekly item incorrectly displayed as ~$2,600) - Fixed: Frequency breakdown item counts now always match the number of items shown when drilling into a row — previously the subscription feed could report a count with no openable rows (e.g. an empty "Unknown" sheet) - Fixed: Frequency breakdown now sources data from the recurring-transactions feed (which carries the identity fields needed to open the transaction detail popup), rather than the subscription feed - Fixed: Recurring transaction frequency labels now correctly canonicalize across all API spelling variants (e.g. SEMI_WEEKLY, Semi_Weekly, semi-weekly all resolve to Semi Weekly) — previously spaced variants fell through to "Unknown" - Fixed: Transaction detail popup recurring frequency selection now stays in sync with the correct cadence returned by the API — previously could show "Biweekly" when the actual frequency was "Semi Weekly" - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- New AI features (Pin conversation to top, rename saved conversation. or remove conversation). - AI UI and backend enhancements improving overall experience. - Quick sharing partner features (tap on avatars to hide/show partner data instantly). - Extensive feature set addition to Recurring Transactions. - New Accounts timeline filter chart. - Export to Excel for data grids. - Smarter subscription tracking — Subscriptions are now grouped into durable, stable records that survive plan changes, price updates, and account reconnections. Your subscription list no longer shows duplicates or phantom entries when Plaid refreshes its data. - Accurate subscription status — Each subscription now carries a clear status (Active, Stopped, Ignored, PossiblyActive, PossiblyStopped) so you can immediately see what you're actually being charged for vs. what may have quietly lapsed. - Price change history — View the full price-over-time history for any subscription, including the exact amount change and percentage increase between charges. - Lapsed & overdue subscriptions — The app now correctly identifies subscriptions you may have cancelled or that stopped charging, so you can clean up your list or spot unexpected interruptions. - Spending forecast — Upcoming charges are projected from durable subscription records, giving you a more accurate month-by-month cash-flow view. - Real-time subscription data — Subscription groups are automatically refreshed each time your bank syncs recurring transactions, so your list stays current without waiting for a manual refresh. - AI financial insights — The AI assistant's subscription-related answers and SQL queries are now grounded in the same durable group data, producing more accurate responses to questions about bills, subscriptions, and recurring income. - Recurring income tracking — Recurring income streams (payroll, transfers) are surfaced separately from expenses with correct flow direction and normalized monthly/annual estimates. - Fixed: Frequency breakdown row totals now correctly show the actual sum of the grouped items — previously a normalization bug inflated amounts (e.g. a single $300 semi-weekly item incorrectly displayed as ~$2,600) - Fixed: Frequency breakdown item counts now always match the number of items shown when drilling into a row — previously the subscription feed could report a count with no openable rows (e.g. an empty "Unknown" sheet) - Fixed: Frequency breakdown now sources data from the recurring-transactions feed (which carries the identity fields needed to open the transaction detail popup), rather than the subscription feed - Fixed: Recurring transaction frequency labels now correctly canonicalize across all API spelling variants (e.g. SEMI_WEEKLY, Semi_Weekly, semi-weekly all resolve to Semi Weekly) — previously spaced variants fell through to "Unknown" - Fixed: Transaction detail popup recurring frequency selection now stays in sync with the correct cadence returned by the API — previously could show "Biweekly" when the actual frequency was "Semi Weekly" - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- Quick sharing partner features (tap on avatars to hide/show partner data instantly). - Extensive feature set addition to Recurring Transactions. - New Accounts timeline filter chart. - Export to Excel for data grids. - Smarter subscription tracking — Subscriptions are now grouped into durable, stable records that survive plan changes, price updates, and account reconnections. Your subscription list no longer shows duplicates or phantom entries when Plaid refreshes its data. - Accurate subscription status — Each subscription now carries a clear status (Active, Stopped, Ignored, PossiblyActive, PossiblyStopped) so you can immediately see what you're actually being charged for vs. what may have quietly lapsed. - Price change history — View the full price-over-time history for any subscription, including the exact amount change and percentage increase between charges. - Lapsed & overdue subscriptions — The app now correctly identifies subscriptions you may have cancelled or that stopped charging, so you can clean up your list or spot unexpected interruptions. - Spending forecast — Upcoming charges are projected from durable subscription records, giving you a more accurate month-by-month cash-flow view. - Real-time subscription data — Subscription groups are automatically refreshed each time your bank syncs recurring transactions, so your list stays current without waiting for a manual refresh. - AI financial insights — The AI assistant's subscription-related answers and SQL queries are now grounded in the same durable group data, producing more accurate responses to questions about bills, subscriptions, and recurring income. - Recurring income tracking — Recurring income streams (payroll, transfers) are surfaced separately from expenses with correct flow direction and normalized monthly/annual estimates. - Fixed: Frequency breakdown row totals now correctly show the actual sum of the grouped items — previously a normalization bug inflated amounts (e.g. a single $300 semi-weekly item incorrectly displayed as ~$2,600) - Fixed: Frequency breakdown item counts now always match the number of items shown when drilling into a row — previously the subscription feed could report a count with no openable rows (e.g. an empty "Unknown" sheet) - Fixed: Frequency breakdown now sources data from the recurring-transactions feed (which carries the identity fields needed to open the transaction detail popup), rather than the subscription feed - Fixed: Recurring transaction frequency labels now correctly canonicalize across all API spelling variants (e.g. SEMI_WEEKLY, Semi_Weekly, semi-weekly all resolve to Semi Weekly) — previously spaced variants fell through to "Unknown" - Fixed: Transaction detail popup recurring frequency selection now stays in sync with the correct cadence returned by the API — previously could show "Biweekly" when the actual frequency was "Semi Weekly" - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- Quick sharing partner features (tap on avatars to hide/show partner data instantly). - Extensive feature set addition to Recurring Transactions. - New Accounts timeline filter chart. - Export to Excel for data grids. - Smarter subscription tracking — Subscriptions are now grouped into durable, stable records that survive plan changes, price updates, and account reconnections. Your subscription list no longer shows duplicates or phantom entries when Plaid refreshes its data. - Accurate subscription status — Each subscription now carries a clear status (Active, Stopped, Ignored, PossiblyActive, PossiblyStopped) so you can immediately see what you're actually being charged for vs. what may have quietly lapsed. - Price change history — View the full price-over-time history for any subscription, including the exact amount change and percentage increase between charges. - Lapsed & overdue subscriptions — The app now correctly identifies subscriptions you may have cancelled or that stopped charging, so you can clean up your list or spot unexpected interruptions. - Spending forecast — Upcoming charges are projected from durable subscription records, giving you a more accurate month-by-month cash-flow view. - Real-time subscription data — Subscription groups are automatically refreshed each time your bank syncs recurring transactions, so your list stays current without waiting for a manual refresh. - AI financial insights — The AI assistant's subscription-related answers and SQL queries are now grounded in the same durable group data, producing more accurate responses to questions about bills, subscriptions, and recurring income. - Recurring income tracking — Recurring income streams (payroll, transfers) are surfaced separately from expenses with correct flow direction and normalized monthly/annual estimates. - Fixed: Frequency breakdown row totals now correctly show the actual sum of the grouped items — previously a normalization bug inflated amounts (e.g. a single $300 semi-weekly item incorrectly displayed as ~$2,600) - Fixed: Frequency breakdown item counts now always match the number of items shown when drilling into a row — previously the subscription feed could report a count with no openable rows (e.g. an empty "Unknown" sheet) - Fixed: Frequency breakdown now sources data from the recurring-transactions feed (which carries the identity fields needed to open the transaction detail popup), rather than the subscription feed - Fixed: Recurring transaction frequency labels now correctly canonicalize across all API spelling variants (e.g. SEMI_WEEKLY, Semi_Weekly, semi-weekly all resolve to Semi Weekly) — previously spaced variants fell through to "Unknown" - Fixed: Transaction detail popup recurring frequency selection now stays in sync with the correct cadence returned by the API — previously could show "Biweekly" when the actual frequency was "Semi Weekly" - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- Quick sharing partner features (tap on avatars to hide/show partner data instantly). - Extensive feature set addition to Recurring Transactions. - New Accounts timeline filter chart. - Smarter subscription tracking — Subscriptions are now grouped into durable, stable records that survive plan changes, price updates, and account reconnections. Your subscription list no longer shows duplicates or phantom entries when Plaid refreshes its data. - Accurate subscription status — Each subscription now carries a clear status (Active, Stopped, Ignored, PossiblyActive, PossiblyStopped) so you can immediately see what you're actually being charged for vs. what may have quietly lapsed. - Price change history — View the full price-over-time history for any subscription, including the exact amount change and percentage increase between charges. - Lapsed & overdue subscriptions — The app now correctly identifies subscriptions you may have cancelled or that stopped charging, so you can clean up your list or spot unexpected interruptions. - Spending forecast — Upcoming charges are projected from durable subscription records, giving you a more accurate month-by-month cash-flow view. - Real-time subscription data — Subscription groups are automatically refreshed each time your bank syncs recurring transactions, so your list stays current without waiting for a manual refresh. - AI financial insights — The AI assistant's subscription-related answers and SQL queries are now grounded in the same durable group data, producing more accurate responses to questions about bills, subscriptions, and recurring income. - Recurring income tracking — Recurring income streams (payroll, transfers) are surfaced separately from expenses with correct flow direction and normalized monthly/annual estimates. - Fixed: Frequency breakdown row totals now correctly show the actual sum of the grouped items — previously a normalization bug inflated amounts (e.g. a single $300 semi-weekly item incorrectly displayed as ~$2,600) - Fixed: Frequency breakdown item counts now always match the number of items shown when drilling into a row — previously the subscription feed could report a count with no openable rows (e.g. an empty "Unknown" sheet) - Fixed: Frequency breakdown now sources data from the recurring-transactions feed (which carries the identity fields needed to open the transaction detail popup), rather than the subscription feed - Fixed: Recurring transaction frequency labels now correctly canonicalize across all API spelling variants (e.g. SEMI_WEEKLY, Semi_Weekly, semi-weekly all resolve to Semi Weekly) — previously spaced variants fell through to "Unknown" - Fixed: Transaction detail popup recurring frequency selection now stays in sync with the correct cadence returned by the API — previously could show "Biweekly" when the actual frequency was "Semi Weekly" - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- Complete rewrite from the ground up. - New dashboards for accounts, liabilties, investments, and reports. - New theme and UI rewrite. - Updated Financial Intelligence with advanced query plan optimization, generation, and RAG improvements. - Database performance and security updates. - New automated emails for liabilties and investments. - Updated to frontier GPT models. - Numerous improvements throughout the app. - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- Complete rewrite from the ground up. - New dashboards for accounts, liabilties, investments, and reports. - New theme and UI rewrite. - Updated Financial Intelligence with advanced query plan optimization, generation, and RAG improvements. - Database performance and security updates. - New automated emails for liabilties and investments. - Updated to frontier GPT models. - Numerous improvements throughout the app. - Security improvements and updates. - Integration with Chip In web app. - Stability improvements. - Bug fixes.

- Complete rewrite of AI Services. -- Smart follow-ups. -- Real-time server to mobile communication. -- Full resilient query grounding, with retry on fail. - New 30-day projected cashflow. - New Income/Expense history. - New UI updates for a cleaner interface. - Grouping by day, week, and month. - New export types for AI responses (full structured response exported). - Email services enhanced delivering large expenses, upcoming bills, low balances, and lapsed subscriptions. - Update to auto-recurring services, providing the ability to create manual recurring transactions. - Small bug fixes.

- Complete rewrite of AI Services. -- Smart follow-ups. -- Real-time server to mobile communication. -- Full resilient query grounding, with retry on fail. - New 30-day projected cashflow. - New Income/Expense history. - New UI updates for a cleaner interface. - Grouping by day, week, and month. - New export types for AI responses (full structured response exported). - Email services enhanced delivering large expenses, upcoming bills, low balances, and lapsed subscriptions. - Update to auto-recurring services, providing the ability to create manual recurring transactions. - Small bug fixes.

- Complete rewrite of AI Services. -- Smart follow-ups. -- Real-time server to mobile communication. -- Full resilient query grounding, with retry on fail. - New 30-day projected cashflow. - New Income/Expense history. - New UI updates for a cleaner interface. - Grouping by day, week, and month. - New export types for AI responses (full structured response exported). - Email services enhanced delivering large expenses, upcoming bills, low balances, and lapsed subscriptions. - Update to auto-recurring services, providing the ability to create manual recurring transactions. - Small bug fixes.