What’s New in Balory 1.4.0? Your financial outlook at a glance The new “Your Outlook” home screen brings together your current balance, upcoming payments, and next useful planning point in one calm timeline. Your month, history, planning, and data care remain directly accessible. More personal guidance Balory presents one relevant suggestion at a time, with a clear basis and an actionable next step. Your financial analysis remains private and is performed locally on your device. More improvements • Unread messages and open drafts are now visible directly in your outlook. • Quick entries and receipt photos are easier to find and complete. • App Lock and PIN entry now use a clearer, more consistent flow. Existing PINs remain compatible. • Notification destinations open only after the app has been successfully unlocked. • Multiple overdue entries can be marked as paid without the list jumping between actions. • History, planning, and area selection now respond more reliably. • Backup and restore better reflect the financial data you actually have. • Budget suggestions wait until there is enough meaningful data. • Sample data now includes a complete history, planning, and a savings goal. • Purchase restore, app startup, and navigation are more stable. • Numerous texts, layouts, and spacing details were improved in German, English, and Portuguese.

Balory 1.3.2 makes capturing, importing, and backing up your finance data calmer and more reliable. - Receipt photos, bank imports, and backups now use secure system picker flows. - Photo Quick Add is more stable and no longer shows false save errors. - Dashboard cards explain their context more clearly and open the right area faster. - Recurring income is detected and shown more concretely after imports. - Additional improvements for stability, privacy text, backup, restore, and app reset.

Balory 1.3.1 brings more clarity and stability to your financial overview. New and improved: Personal and business finances are now separated more clearly in monthly projections and forecasts. Switching between personal and business views is smoother and more stable. Recurring income is detected more reliably and used better in forecasts. Dashboard layouts were improved for smaller screens. Rating Balory, sending feedback, and sharing the app are now easier to access. Several smaller fixes were made across the Dashboard, backup, foundations, and forecasts. Thank you for using Balory and helping us improve the app with your feedback.

Version 1.2.1 brings Balory's new coach engine, clearer cashflow guidance, and many improvements based on closed testing. New and improved: - Local coach guidance on the dashboard and main screens - Always-On learning moments and narrative weekly reports - Clearer cashflow logic for immediate, later, and credit-card-related payments - Credit card accounts with statement and payment due dates - Preparation for installment payments - More consistent calculations across dashboard, forecasts, insights, and financial metrics - Improved layout on small smartphone screens - Scrollable help modals and clearer explanations for cashflow cards - More stable account cards with improved badge layout - Fixed language switching for learning-moment and Always-On cards - Better handling of long text in German, English, and Portuguese - Updated Privacy Policy and Terms of Use Several issues were also fixed, including budget amounts with commas, currency handling, backup restore behavior, monthly projections, credit card due dates, and dashboard displays.

Version 1.1.1 (includes all changes from 1.1.0) TRANSACTION REMINDERS Never miss a planned payment. You can now set a reminder directly on any transaction or recurring rule — choose how many days before the due date you want to be notified (same day, 1, 2, 3, or 7 days before). Reminders appear as push notifications and take you straight to the transaction. WEEKLY SUMMARY — FULL SCREEN The weekly financial summary has moved from a bottom sheet to a full dedicated screen. The new design shows your income, expenses and balance side by side, a 4-week trend chart, and a category breakdown — all in the familiar gradient layout. DASHBOARD SCOPE: PRIVATE / BUSINESS If you use Balory for both personal and business finances, you can now filter the entire dashboard by purpose. A simple tap on the scope selector switches between Private, Business, and All. KPIs, forecasts, budgets and category breakdowns all update instantly. SAVINGS GOALS — NEW WORKFLOW Creating or editing a savings goal now opens a step-by-step screen (Goal type → Details → Analysis → Calculation) instead of a large modal. The new flow shows realistic monthly saving proposals based on your actual spending data. SMARTER PAYEE GROUPING Balory now groups transactions from the same merchant more intelligently — abbreviated or slightly different merchant names are automatically recognized as the same payee. The QuickAssign merge screen has been redesigned with two tabs (Suggestions / My Groups) and lets you name, edit and manage payee groups manually. IMPROVED SUBSCRIPTION DETECTION The recurring payment detector now tolerates a wider billing cycle window (25–35 days instead of 28–31). Legitimate subscriptions like rent or credit card charges that drift slightly each month are no longer missed. TRANSFER HISTORY: COMPLETE SCAN Transfer detection (R10) now scans your entire transaction history instead of only the last 6 months. Regular standing orders between your own accounts are now reliably recognized regardless of when they were imported. BUG FIXES & IMPROVEMENTS (1.1.1) — Finance Profile screen redesigned: new two-tab layout (Country / Details) with cleaner navigation and save button in the top bar. — Finance Health Score on the Me tab now refreshes automatically each time you visit the screen. — Fixed: celebration messages ("Great streak!", milestones) showed German button text for Brazilian users instead of Portuguese. — Fixed: empty state messages on several screens (Recurring Rules, Categories, Accounts, Dashboard) appeared in German regardless of app language. — Fixed: account icons stored with encoding errors now display correctly.

What's New in v1.0.45 DATA QUALITY HUB New persistent dashboard card with one-tap access to categories, payees, duplicates and transfers - each with a live counter. INCOME-BASED DAILY BUDGET Daily budget now based on real income minus fixed costs, not a historical average. Prevents perpetuating a deficit. Falls back to a stricter limit if balance is below your safety buffer. MONTH PROJECTION: DEFICIT WARNING If expenses consistently exceed income by more than 10%, the month status is now honestly shown as yellow with a deficit message. PAYEE DUPLICATE MERGE (R9) New yes/no screen shows similar payee clusters (75%+ similarity). Decisions saved permanently - QuickAssign groups matching clusters automatically from then on. RECURRING INCOME DETECTION (R11) Detects monthly recurring income (salary, pension) by category pattern across 2+ months. Shows a pre-filled recurring rule ready to save. BUDGET: FIXED AMOUNT DETECTION & INLINE EDITING Constant-amount categories get no buffer added. Suggested amounts editable directly in the modal. IMPORT IMPROVEMENTS - Banco do Brasil XLSX multi-line format supported - Sicredi XLS supported - OFX: payee names extracted correctly, Windows-1252 encoding fixed - Paused recurring rules: import wizard offers reactivation FIXES - Migration runner checksum corrected - Transaction list loads from cache - QuickAssign: chunked writes + loading animation on all 4 screens - R3/R4: paused subscriptions recognized as candidates again

Your financial coach keeps getting smarter. This update is about accuracy and clarity – because wrong numbers lead to wrong decisions. Breathing Room, redesigned. The calculation now uses your actual spending instead of recurring rules alone. Income is based on your real 3-month average, not a self-declared estimate. The result is a number you can genuinely trust. Negative breathing room is now shown with the correct sign. Annual Projection, consistent. Now uses the same 3-month basis as the cash flow forecast – no more contradictions between two views of the same data. The metric formerly called "Savings rate" is now correctly labeled "Surplus rate", with a built-in explanation of the difference. QuickAssign, cleaned up. Shows only paid transactions, sorted newest first, across all time periods. Inbox stubs no longer appear in the list. Card width and spacing are also corrected. Business vs. Personal accounts. Accounts can now be tagged as Personal or Business. This prevents the transfer detection from incorrectly flagging salary payments between your business and personal account as transfer candidates. Coaching details. The locked insight card now shows a clear message when your monthly free quota is used up. Month labels throughout the app now follow the app language, not the

NEW: Intelligent Companion Your coach now knows whether you're new, just imported data, or an experienced user – and guides you accordingly. 5 Foundation steps guide you through: 1. Record income – so forecasts work 2. Make fixed costs visible – the 3 biggest are enough 3. Build categories – understand where your money goes 4. Mark savings account – for an accurate savings rate 5. Set your first budget – as guidance, not punishment Each step appears contextually in the right screen (Recurring Rules, Categories, Accounts, Budgets) – no back-and-forth navigation. The dashboard shows one prioritized recommendation (NextActionBanner): always the single most impactful action right now. New QuickAssign flow in the Me screen for fast categorization. Proactive Insights Structured financial insights in the dashboard: monthly situation, breathing room, emergency buffer countdown, annual projection, month-end pattern, unexpected expenses, and fixed cost drift – each with a micro-explanation tooltip. OFX Import (NEW) Brazilian bank statements can now be imported directly – SGML format (Sicredi, Unicred) and XML. Correct recognition of Brazilian date formats (dd/mm/yyyy) in XLS files. Income-Dependent Scoring The Financial Health Score now accounts for your income level – fairer scoring for everyone. Signals Engine The coach learns: category suggestions after 3 identical assignments, pattern detection, targeted clarification questions. Fixes & Improvements • Forecast: only paid transactions count as spent • G16: false positive income jump alert fixed • Insight guide flow: no raw system identifiers visible • Backup: schema version corrected, restore more reliable • Premium: metallic CTA buttons, reworked Rose Gold & Gold themes

What's New in Version 1.0.33 Finance Coach (Beta) Your personal financial advisor is here! The Finance Coach analyzes your finances across 6 dimensions and gives you concrete tips to improve: • Financial Health Score (0–100) with 6 dimensions: income/expense balance, budget discipline, savings rate, fixed costs, emergency buffer, and data quality • Coaching actions with concrete steps for each dimension • Phase model (Beginner/Intermediate/Pro) – adapts automatically to your data • Expandable dimensions: explanation and your personal path to 100 points • Self-declaration in onboarding: estimated scores from day one Still in beta – your feedback helps us make it even better. Financial Journey • 20 milestones with progress bars and narrative text per phase • Pillar progression with lock/unlock mechanic • Monthly Review: score delta vs. previous month • Large Purchase Calculator: "Can I afford this?" with score impact and buffer analysis Account Type Picker • Accounts can now be marked as savings or checking – including existing accounts • Savings rate (D3) now only counts transfers to savings accounts. Transfers to business accounts or credit card payments are no longer falsely counted as savings contributions Forecast & What-if • Daily budget in the month progress view • Improved monthly forecast with blending logic for the first 7 days • 6-month forecast: expandable rows, no more double-counting • What-if: baseline comparison and scenario descriptions Bug Fixes • Insight cards remained stale after profile switch (demo → real) – now refreshed immediately • Account type change was not saved on edit – fixed • Forecast divisor bug: income/expenses were divided by a fixed 3 instead of actual month count • Large Purchase Calculator with negative surplus now shows a clear message instead of "999 months" • Canceled transactions were incorrectly counted in journey milestones – fixed • D4/G14 fixed cost consistency: coaching and insight cards now show identical values • Demo seeding now respects the currency selected during onboarding

What's New in Version 1.0.32 Insight Engine - New three-tier model: Signals, Guidance, and Celebrations – each with its own visual style - Five new financial tips: 50/30/20 rule, emergency fund, savings habit, latte factor, and contract check-up - Practical step-by-step guides with navigation to savings goals and recurring transfers Insight Cards – New Design - Decorative wave shapes and theme-specific illustrations on every card - Colors adapt to your chosen app theme - Improved readability of dismiss buttons Performance - Significantly faster transaction saving - No more UI freeze after saving - More stable database processing Import Wizard - CSV import with a 6-step wizard: File, Mapping, Account, Duplicates, Categories, Apply - Smart duplicate detection - Cluster-based categorization: Same payees are grouped automatically - Improved payee cleanup New Onboarding - Completely redesigned 6-step wizard: Language, Currency, Timezone, Theme, Notifications, Data start - Choose between demo data, empty start, or CSV import - Live preview when switching themes Weekly Summary V2 - New 4-slide carousel: Overview, Comparison, Categories, Insights - New charts: Bar chart, donut chart, and trend arrows - New metrics: Savings rate, top 3 payees, budget utilization Bug Fixes - Onboarding wizard visible again after app reset - Import limit correctly refreshed after returning from the wizard - Insight card text no longer truncated - Modal display on Android improved - Demo data immediately visible after onboarding

What’s New in 1.0.31 This update improves transaction editing, conversions, and overall usability. Existing transactions can now be converted directly into transfers or recurring rules with a guided confirmation flow and automatic data prefill. After successful conversion, the original entry is handled safely to prevent duplicates. Conversion actions are now clearer and easier to access. We refined payee and tag selection screens for better visual consistency and improved keyboard behaviour. The import flow now includes an integrated help screen for step-by-step guidance. Additional improvements include clearer empty states, enhanced search including payee names, a faster filter reset option, smarter swipe hints, and various stability and localization fixes.

What’s New in 1.0.30 This update focuses on performance, usability, and overall polish. Dashboard interactions, including month switching and charts, feel noticeably faster and more responsive. Navigation headers were fully unified, resulting in more consistent and visually stable screen transitions across the app. The CSV/XLSX import (Founders Edition) was significantly expanded with improved previews, smarter column mapping, split-amount support, and a streamlined post-import categorization flow. Imported transactions without categories are now easier to review and organize. We also refined the Calendar’s account handling, improved bulk editing behaviour, and tightened list layouts for better readability. The Dashboard balance chart now offers clearer half-month visualization and more stable interactions. In addition, this version includes various stability improvements, navigation fixes, and localization refinements.

What’s New in 1.0.28 Account management: fixed loading of account details in the edit flow. Backup: tags are now fully included and correctly restored. UI & fixes: consistent tag input and correct display of favorite features. Stability: internal component optimizations (SDK 54) for smoother performance.

What’s New in 1.0.27 Savings Goals: fully redesigned detail screen (Signature design). Dashboard & Charts: Balance chart is now scrollable with a 30-day focus; improved touch, tooltips, and currency formatting. Trend chart optimized for the weekly view (daily removed). Tags (Founders): new Tag Insights on the dashboard plus better tag management and autocomplete. Recurring transactions now fully support tags. UI polish for consistent buttons and more compact lists; fixed navigation for “Manage Goals”; Balance chart layout/scaling corrected.

What’s New in 1.0.26 Structure & Stability: Major internal restructuring for better performance and maintainability; full TypeScript route checks; cleanup of obsolete files. Navigation & Visuals: Fixed navigation to Help and Trash; no flicker when opening “Finalize Drafts”. Data Integrity: Automatic correction of income entries that were saved as expenses (existing installs). Onboarding & Streaks: Theme preview applies instantly; factory reset correctly resets streak data. Message Center: No duplicate overdue warnings; trash counter stays in sync. From recent updates: Pull-to-Refresh for transactions and accounts; new calendar with smooth month swipe, automatic month switch on edge days, compact view with clearer status dots (transfers in blue); due payments shown on due date; refreshed Budgets & Category Insights with filter chips and in-Insights account switching; faster lists, centered PIN pad, improved Safe-Area behaviour; multiple fixes for overdue navigation, savings auto-transfer, month boundaries, editing from calendar, and emoji rendering.

Factory reset: New option to fully reset app data and settings. Design harmonization: Consistent modal headers (Cancel left, centered title); modernized profile switcher (bottom sheet); aligned account selector in transfer modal; unified date/time pickers and backup dialogs; refreshed settings lists (language, currency, time zone); improved dashboard spacing. Quick Add: Reliability fixes for manual capture and photo drafts. Smart Savings: Correct currency symbol (uses account currency). Teaser polish: Close “X”, no emoji in title, subtitle moved to body; fixed German header wrapping. Stability: Better test coverage and safer reset flow.

Balory introduces a comprehensive update for budgets and savings goals. Set monthly budgets, track category spending, and spot where adjustments are needed. Create concrete savings goals with a due date, follow your progress, and optionally enable automatic transfers. Everything works fully offline, with no account and no ads—your data stays on your device.

Version 1.0.19 introduces the Automatic Weekly Summary (Founders Edition). Every Monday morning you receive a four-slide overview: Balance & Trends, Top Spending Categories, Income vs. Expenses, and Streak. Summaries include contextual week-over-week comparisons, are generated retroactively for up to four weeks if the app was not opened, and always cover the full Monday–Sunday period. Deleted reports are not regenerated. The Weekly Summary now supports multiple accounts: tab navigation, per-account KPIs and comparisons, and account-specific top categories. Also included: corrected previous-week chart values, clearer deficit wording, a more compact transaction filter (single row with horizontal scrolling), immediate statistics refresh on the profile screen, proper updates after backup import, code clean-up, a refreshed 404 page, and various stability improvements.

Version 1.0.18 introduces a streak system to encourage regular financial management. The app automatically tracks your current and longest daily streaks, and celebrates milestones (7/14/30/100/365 days) with subtle animations and persistent messages in the Message Center. A new “Profile” tab provides a streak overview, statistics, and achievements. Settings are now accessible via the gear icon in the top-right corner of the “Profile” tab. Important: Activity tracking is fully offline and on-device only — no data is transmitted. Also included: improved backup import (streak data updates correctly), more robust error handling, and a fix for settings buttons not responding on first tap.

- New (Founders Edition): Favorites & QuickAdd in the dashboard widget (up to 6 favorite transactions) - "Rate App" button now displays correctly in EN/DE/PT-BR - Import stability improved for backups with fewer accounts than the original - Paywall shows store availability; purchase button disabled if store is unreachable - Optimized dashboard widget order (QuickAdd before Budgets) - Reduced log noise and fixed UI translation issues

This update improves wording across the app in all supported languages, including clearer descriptions of upcoming features and more consistent terminology. The Message Center text has been refined for better readability. We have also made small internal adjustments to improve overall compatibility and stability. All core features continue to work as expected.