Your Apple Pay payments are now saved for you. - Pay in a shop with Apple Pay, and SpendMind saves the expense for you. You don't need to type anything. - It saves the shop name and the amount, and picks a category for you. - Setup takes about 2 minutes. Go to Settings → Apple Pay tracking and follow the steps. - Paying in another country? The expense is saved in the currency you paid in. - If the same payment comes in twice, it is only saved once. - If a payment is not clear, it is saved for you to check, not lost. - SpendMind only sees the shop name and the amount. It never sees your card number or your bank. - This works only when you pay in a shop. Online Apple Pay payments must still be added by hand. Voice in AI chat is safer and smarter - Recording now stops on its own after 2 minutes, so it never keeps running by mistake. - If we can't hear anything, we tell you and suggest typing instead. - If you leave the app while recording, the recording stops properly. - Tapping the mic twice by mistake won't start two recordings. News from SpendMind - We can now send you news about new features and helpful tips. No spam. - We ask once, during setup, right after the microphone. If you've already set up the app, we ask once on the Home screen. - If you say no, the app still works fine. You can turn notifications on any time in iPhone Settings. - Your daily expense reminder works the same as before. Improvements & Fixes - The Apple Pay setup guide now shows what you should see after each step, and helps if a payment doesn't show up. - If another app also saves your Apple Pay payments, the guide explains how to make sure SpendMind gets them too. - The setup guide now looks like the rest of SpendMind. - A message on the Home screen can now open the Apple Pay setup guide. - Messages now show at the top of the screen, not over the bottom bar. - The app icon no longer shows as a blank square. - When you reach your daily message limit, we now tell you clearly. - Voice chats now count toward your daily message limit, just like typed messages. - You can scan up to 10 receipts every 12 hours. - Your daily message count stays correct, even if you reinstall the app. - Failed requests now retry up to 3 times.

Voice notes that stop when you do. - We can now send you the occasional announcement — a new feature, a tip worth knowing. Not receipts, not nagging. - They start off quiet: they'll appear in Notification Centre without a sound or a banner, so nothing interrupts you before you've decided you want it. - We ask once, during setup, right after the microphone — so you answer both in one go instead of being interrupted later. - Say no and nothing breaks. Announcements keep arriving quietly, and you can turn on banners whenever you like from Settings. - Your daily expense reminder works exactly as before, and turning it off doesn't silence announcements — they're separate. - Recording now ends on its own after two minutes, so a microphone you forgot about can't sit there running - Voice chat only. - Recorded silence? We'll tell you we didn't catch it and let you type instead, rather than sending nothing away to be transcribed. - Leaving the app finishes the recording cleanly instead of leaving it open behind you. - Tap the mic twice by accident and the second tap is ignored, so you never end up with two recordings going at once. - Your free voice trial now follows your Apple ID, so it's waiting for you on any device you sign into. Improvements & Fixes - Messages now appear at the top of the screen instead of overlapping the tab bar at the bottom. - When a message arrives while the network or iCloud banner is already showing, it slides in underneath rather than on top of it. - Notifications never add a badge to the app icon — the same as before, now by design rather than by accident. - Reaching your daily message limit now tells you so, instead of the microphone quietly doing nothing. - Voice conversations count toward your daily message allowance, the same as typed ones. - Receipt scanning is capped at ten scans every twelve hours — they come back gradually as the earlier ones age out. - Your daily message count now survives reinstalling the app, so it stays honest. - Failed requests are retried once instead of three times, and rate limits aren't retried at all.

Voice notes that stop when you do. - Recording now ends on its own after two minutes, so a microphone you forgot about can't sit there running - Voice chat only. - Recorded silence? We'll tell you we didn't catch it and let you type instead, rather than sending nothing away to be transcribed. - Leaving the app finishes the recording cleanly instead of leaving it open behind you. - Tap the mic twice by accident and the second tap is ignored, so you never end up with two recordings going at once. - Your free voice trial now follows your Apple ID, so it's waiting for you on any device you sign into. Improvements & Fixes - Reaching your daily message limit now tells you so, instead of the microphone quietly doing nothing. - Voice conversations count toward your daily message allowance, the same as typed ones. - Receipt scanning is capped at ten scans every twelve hours — they come back gradually as the earlier ones age out. - Your daily message count now survives reinstalling the app, so it stays honest. - Failed requests are retried once instead of three times, and rate limits aren't retried at all.

Keep separate books for separate parts of your life, a house you're building, a wedding, a trip, a side business. - Create an Account, switch into it, and the whole app follows — history, totals, insights, chat and your widget show just that Account. - Categories work exactly as before: they tell you what you spent on, Accounts tell you which book it belongs to. - Anything you log inside an Account — voice, manual entry or a scanned receipt — files there automatically, and the review screen shows you where it's going before you save. - Logged something in the wrong place? Move any expense to a different Account while editing it. - Export just the Account you're viewing, or everything at once, with a new Account column in the CSV. Improvements & Fixes - Your existing expenses stay exactly where they are, in your default Account, with your totals unchanged. - Backups always include every Account, whichever one you're currently viewing. - A hidden balance now stays hidden after you close and reopen the app.

Designed for iPad SpendMind now feels right at home on your iPad. Enjoy adaptive layouts, larger typography, and redesigned cards that make the most of the bigger screen — in any orientation. Improvements & Fixes - Scanned receipt amounts are now always accurate to the cent — no more odd trailing decimals. - Amount entry is capped at two decimal places for cleaner, error-free input. - Reviewing a scanned receipt now matches the manual-entry experience, with the same category picker and calculator keypad. - Fixed an issue where a slow network could briefly lock you out of premium features.

- Swipe the balance card left/right to switch months — fast, smooth, native. - Animated rolling totals. - New in-app rating — share the love or send us feedback directly. - Performance improvements.

AI Chat Assistant - Smarter end-of-speech detection — no more premature cutoffs or delayed responses - Voice agent no longer cuts off mid-sentence - TTS stops properly when chat is dismissed - Error message shown when daily chat limit is reached Receipt Scanner - Auto-detect receipts with camera — captures automatically when a receipt is found - Improved image capture quality - Line-item extraction from scanned receipts Help & Feedback - Chat-based Help & Feedback system accessible from Settings - Submit bugs, feature requests, and issues directly from the app - Track tickets with an open/resolved inbox Other Improvements - Bug fixes and performance improvements

AI Chat Assistant - Smarter end-of-speech detection — no more premature cutoffs or delayed responses - Voice agent no longer cuts off mid-sentence - TTS stops properly when chat is dismissed - Error message shown when daily chat limit is reached Receipt Scanner - Auto-detect receipts with camera — captures automatically when a receipt is found - Improved image capture quality - Line-item extraction from scanned receipts Help & Feedback - Chat-based Help & Feedback system accessible from Settings - Submit bugs, feature requests, and issues directly from the app - Track tickets with an open/resolved inbox Other Improvements - Bug fixes and performance improvements

AI Chat Assistant - Smarter end-of-speech detection — no more premature cutoffs or delayed responses - Voice agent no longer cuts off mid-sentence - TTS stops properly when chat is dismissed - Error message shown when daily chat limit is reached Receipt Scanner - Auto-detect receipts with camera — captures automatically when receipt is found - Improved image capture quality - Line-item extraction from scanned receipts Help & Feedback - Chat-based Help & Feedback system accessible from Settings - Submit bugs, feature requests, and issues directly from the app - Track tickets with open/resolved inbox Other Improvements - Bug fixes and performance improvements

AI Chat Assistant - Talk to AI about your expenses — ask spending summaries, compare months, get savings advice - Voice chat mode with continuous conversation (speak, AI responds, auto-listens again) - Supports multilingual conversations Receipt Scanner - Scan receipts with on-device OCR (no internet needed) - Multi-page document scanning support - Redesigned camera-first UI Manual Expense Entry - New calculator keypad for quick amount entry Data & Sync - v2.0 backup format with recurring expenses support - Improved import/export with category and preference handling - Recurring expense status toggling Other Improvements - Redesigned Settings UI - Updated app icon - Bug fixes and performance improvements

What's New in Version 1.0.23 This update is all about polish. We fixed a handful of small but noticeable issues: The app icon badge now clears immediately when you open the app The Save button on the review screen no longer jumps when the keyboard appears Tapping Purchase or Restore multiple times no longer triggers duplicate requests Internal improvements to how we track app performance

iCloud Sync Keep your expenses in sync across all your Apple devices. SpendMind now supports iCloud sync, which can be enabled directly during onboarding or from Settings. CloudKit activation happens at runtime without requiring an app restart, and your sync status is always clearly visible with account state feedback. New Onboarding Experience A cleaner, more guided setup flow from first launch. The onboarding flow has been fully refreshed with a Welcome hero screen, a simplified step indicator, and a new animated permission screen featuring a 3D microphone illustration. The currency selection step has been removed to reduce friction, and all onboarding strings are now fully localized. Enhanced Premium Screen A more polished and informative upgrade screen. The premium screen has been updated with gradient feature cards, custom icons, and an improved subscription card layout with a "Popular" badge for the yearly plan. Perk descriptions have been rewritten to better communicate the value of each feature. New Expense Review Experience A more visual and expressive way to confirm your recorded expenses. The expense review sheet now features a radial gradient background, frosted glass elements, and vibrant colour-coded category icons. The card supports expanded and collapsed states with clearer validation feedback, and all strings are fully localized. History Navigation Improvements Browse your full expense history more freely. You can now navigate through time periods with no recorded expenses, as long as earlier data exists — making it easier to look back through older months without hitting a dead end. Visual Refinements Consistent, polished UI across the app. Backgrounds across key views have been updated to use adaptive system colours for better light and dark mode consistency. The tab bar, iCloud settings view, and onboarding screens have all received polish for a flatter, more refined look. Minor bug fixes and performance improvements Improved stability for a smoother experience

Daily Expense Reminder Notifications Set customizable daily reminders to never forget logging expenses. The reminder system integrates with your notification preferences and automatically reschedules when you change the time, helping you build consistent expense tracking habits. Voice Usage Limits for Free Users Fair usage limits for voice expense recording. Non-premium users get 10 free voice recordings to try the feature, with unlimited access through premium subscription. Usage is tracked securely and persists across app reinstalls. Network Connectivity Reliability Improvements More accurate network status detection. Network connectivity detection now verifies actual internet connectivity with debouncing to reduce false disconnection warnings, providing more accurate status indicators during network transitions. Widget Date Format Updates Improved date display consistency in widgets. Widget date formatting has been standardized for better readability across different widget sizes and contexts. Minor bug fixes and performance improvements Improved stability for a smoother experience

Daily Expense Reminder Notifications Set customizable daily reminders to never forget logging expenses. The reminder system integrates with your notification preferences and automatically reschedules when you change the time, helping you build consistent expense tracking habits. Voice Usage Limits for Free Users Fair usage limits for voice expense recording. Non-premium users get 10 free voice recordings to try the feature, with unlimited access through premium subscription. Usage is tracked securely and persists across app reinstalls. Network Connectivity Reliability Improvements More accurate network status detection. Network connectivity detection now verifies actual internet connectivity with debouncing to reduce false disconnection warnings, providing more accurate status indicators during network transitions. Widget Date Format Updates Improved date display consistency in widgets. Widget date formatting has been standardized for better readability across different widget sizes and contexts.

Review Screen Editing Enhancements Review and fix expenses with more control before saving. The review card experience now supports richer editing, including date and recurrence selection, improved inline note handling, better expand/collapse behavior, and clearer visual cues. Card presentation was refined so users can review extracted expenses faster and correct values with less friction. Manual Expense Entry Access More flexible access to manual entry flows. A new flow allows manual expense entry to be enabled independently (including free/manual access paths), while still supporting premium-gated behavior where required. This improves rollout control and enables smoother onboarding for different user segments. Expense Edit & Delete Workflow Improvements Editing and deleting expenses is now safer and more consistent. Expense update/delete flows were improved with better modal behavior, cleaner state handling, and stronger consistency between list/detail/edit screens. Recurring-expense handling was also improved so updates and deletion outcomes are clearer and more predictable. Currency Formatting Standardization Consistent amount formatting across the app. Currency formatting has been centralized via a dedicated formatter utility, reducing formatting inconsistencies across screens and widgets. This improves readability, maintainability, and helps ensure all totals/amounts follow the same display logic.

Review Screen Editing Enhancements Review and fix expenses with more control before saving. The review card experience now supports richer editing, including date and recurrence selection, improved inline note handling, better expand/collapse behavior, and clearer visual cues. Card presentation was refined so users can review extracted expenses faster and correct values with less friction. Manual Expense Entry Access More flexible access to manual entry flows. A new feature-flag-based flow allows manual expense entry to be enabled independently (including free/manual access paths), while still supporting premium-gated behavior where required. This improves rollout control and enables smoother onboarding for different user segments. Expense Edit & Delete Workflow Improvements Editing and deleting expenses is now safer and more consistent. Expense update/delete flows were improved with better modal behavior, cleaner state handling, and stronger consistency between list/detail/edit screens. Recurring-expense handling was also improved so updates and deletion outcomes are clearer and more predictable. Currency Formatting Standardization Consistent amount formatting across the app. Currency formatting has been centralized via a dedicated formatter utility, reducing formatting inconsistencies across screens and widgets. This improves readability, maintainability, and helps ensure all totals/amounts follow the same display logic. Cloud & Sync Performance Improvements Faster and more efficient data synchronization behavior. Cloud-related data flows were optimized with caching and fetch refinements to reduce redundant operations and improve responsiveness. Widget refresh and related data update behavior were also improved to keep surfaces more in sync with recent changes. Permissions & Error Handling UX Clearer permission handling and recovery paths. Permission and network error flows were improved by replacing fragile toast-driven messaging with clearer dialog-based guidance and better fallback actions (including manual entry paths). This gives users better recovery options and reduces dead-end states. UI/Navigation Polish Across Key Screens A cleaner, more unified app experience. Multiple screens received navigation and presentation refinements (including settings/modal flows and visual consistency updates), resulting in smoother transitions, improved readability, and a more cohesive overall experience.