Added sharing for life decision results: Parking Buy vs Rent, Home Buy vs Rent, and Home Affordability can now generate share cards in one tap, making it easier to discuss with family members or agents. Improved Home Affordability: added provident fund monthly payment coverage, with clearer recommendation summaries, key metrics, and a clearer view of nominal monthly payment versus actual cash monthly payment pressure. Refined region mode and rate updates: on first launch outside mainland China, the app now keeps Mainland China Full by default with an option to switch to Global Lite; LPR auto-refresh is now more stable, and Settings shows the latest publication time, update time, and data source.

Improved the navigation bar on the loan plan editor for a cleaner back navigation experience. Hid the parent-title text next to the back button to reduce top-bar clutter. Other minor refinements and stability improvements.

New and Improved • Added Region Mode, with a more streamlined Global Lite experience by default outside mainland China • Template and settings entry points now adapt automatically to the selected region mode • Amount input, default currency fallback, and unit labels follow the active currency more reliably Experience Improvements • Improved auto loan editor layout in Chinese, English, and multi-currency scenarios • Reduced mainland-China-specific concepts in international entry flows Fixes • Fixed amount parsing when pasted text includes a currency suffix • Fixed currency-code compression in the auto loan down payment row on narrow screens • Added a clearer credit card installment rounding note for small differences vs. bank bills

New Features • Added a Student Loan module • Added a Home Affordability module • Added a Buy or Rent a Home module • Added a Buy or Rent a Parking Space module • Added repayment period to real calendar time mapping • Added long-press guidance tips Enhancements and Experience Improvements • Updated the continue-after-prepayment workflow • Improved the auto loan module • Improved information density on the template selection page • Improved the appearance button UI in Settings • Improved the LPR + BP editing layout • Merged mortgage templates and moved grace period and short-term repayment options into advanced settings • Merged auto loan templates and moved balloon payment ratio and additional fees into advanced settings Bug Fixes • Fixed LPR +/- points and annual interest rate display issues • Fixed UI compression caused by very large amount inputs • Fixed an issue where favoriting an existing plan could unexpectedly return to the list • Fixed amount parsing failures caused by full-width period input • Other bug fixes and performance improvements.

- Added compliance info display - Added new loan/repayment templates: car loan balloon payment, consumer/personal credit loan, and a major update to credit card templates. - Replaced the “Remaining Principal vs. Remaining Interest” chart with a major new “Prepayment Value” chart. - Improved sharing experience. - Added Traditional Chinese and English App Store screenshots. - Added support in mortgage templates to enter loan amount using area and unit price. - Enhanced About page actions: Share, Rate, and More Apps by the Same Developer. - Improved interactions on the template selection page. - Optimized layout of all buttons. - Improved numeric input interaction experience. - Fixed crashes caused by extremely large amount inputs. - Fixed the default selection state for mortgage repayment method.

- Added English and Traditional Chinese localizations - Improved sharing and export experience