OneLedger 2.3 — iPhone and interface This release focuses on the iPhone experience while keeping iPad and Mac supported. iPhone navigation New 4-tab structure: Dashboard, Wealth, Analysis, and Settings. Grouped access to accounts, portfolios, real estate, balance sheet, and analysis tools without cluttering the screen. Readability and charts Layouts adapted for small screens (lists, cards, forms). Clearer charts: year axes and amounts (k/M) on loans and the dashboard. Loan scenario comparison: current vs simulated shown as stacked bars. Portfolios: period selector (1M, 3M, 1Y…) adapted for iPhone. Account and Category analysis: stacked layout on iPhone; help on cumulative waterfall chart scale. Wealth and dashboard Wealth summary: Cash flow & credit section with interest vs principal on loan repayments. Dashboard: refined indicators and projection labels (including net real estate wealth). Appearance and settings Enhanced visual themes (light/dark modes). Settings: aligned lists and pickers; welcome screen and discovery guide match the chosen theme. Miscellaneous Savings projects and scenarios: simplified interfaces. Display and stability fixes across several screens.

- Fixed a rare edge case bug that could occasionally cause the application to crash.

- minor bug fix

What’s New OneLedger — redesigned interface: light and dark themes, clearer charts, harmonized add and edit screens. The app now appears as OneLedger on your home screen (formerly Eicheesel X on the App Store listing). This release continues long-term wealth planning: • Wealth overview — New hub in Analysis: allocation across savings, portfolios, and net real estate; cash flow vs loan payments; actual vs projected gaps; projects and annual capacity; consolidated tax estimates; simplified stress tests. Expert remains available for macro context (euro / US zones). • Savings structure — Classify accounts into everyday, emergency, goals, and satellite pockets (or let the app infer). Compare your wealth to personal benchmarks with charts, insights, and an educational pyramid infographic. • Getting started — Welcome screen on first launch: explore with sample data, start empty, or import a backup. Optional discovery checklist. Load or remove the sample anytime in Settings. • Loans — Live preview when adding or editing a loan: monthly payment, total interest, and yearly amortization chart. • Polish — Dynamic Type cap on dense analysis screens; wording updated in English, French, and Spanish. Thank you for using the app.

What’s New This update adds a wealth overview hub, savings-structure analysis, an optional sample patrimony to explore the app, and clearer loan forms. • Wealth overview — New hub in Analysis: allocation across savings, portfolios, and net real estate; cash flow vs loan payments; actual vs projected gaps; projects and annual capacity; consolidated tax estimates; simplified stress tests. Expert remains available for macro context (euro / US zones). • Savings structure — Classify savings accounts into everyday, emergency, goals, and satellite pockets (or let the app infer). Compare your wealth to personal benchmarks (income, expenses, targets) with charts, insights, and an educational pyramid infographic. • Getting started — Welcome screen on first launch: explore with sample data, start empty, or import a backup. Optional discovery checklist after loading the sample. Load or remove the sample anytime in Settings. • Loans — Live preview when adding or editing a loan: monthly payment, total interest, and yearly amortization chart. • Polish — Harmonized add/edit screens for accounts, property, portfolios, and holdings; refined analysis layouts; Dynamic Type cap on dense analysis screens. Wording updated in English, French, and Spanish. Thank you for using the app.

What’s New This update improves macro analysis, optional tax estimates, balance-sheet sharing, and everyday polish. • Expert — Reworked in four clear steps: macro data, how your wealth compares by zone (euro vs US), simulations, and a short conclusion. Clear banners when US data (FRED) is missing. Cleaner layout and wording. • Tax impact — Optional estimated tax on gains when editing savings accounts or portfolios; compare gross and net in projections, scenarios, and the Dashboard projection chart (Display options: projects and net projection). • Balance sheet — Collapsible sections; export your balance sheet as plain text from the Balance sheet screen. Full archive export (plain text) in Settings includes your complete data. • Dashboard — More accurate portfolio line on the Actual amounts chart; projection display options (projects, net projection) moved under the chart. • Settings — Optional monthly reminder to update actual amounts. • Real estate & loans — Harmonized layout between property and loan lists. • Onboarding — Startup disclaimer on iOS; review anytime from Settings or About. • Polish — Clearer empty states, better chart accessibility, Dynamic Type support on key screens, and updated wording in English, French, and Spanish. Thank you for using the app.

What’s New We’ve made it easier to see your money at a glance and plan ahead. • Projects — The screen is now simply called Projects. You can see how your goals affect each account and category, select several goals at once, and understand what you still need to save. You can also choose when a goal affects your long-term projection: right away, from a given year, or spread over several years. • Dashboard — Turn on Include projects to see how your savings goals change the projection curve. Tap the info buttons for short explanations of the main charts (wealth over time, portfolio, loans). Portfolio tiles show value and performance in your reference currency. • Account status — Waterfall and treemap charts show how balances are split across accounts. You can optionally add investment portfolios from the toolbar menu (pick portfolios, Select all, or None). In the same menu, choose whether the headline total target uses only savings-plan goals or also includes portfolio value; portfolio holdings always count toward your current total. Your portfolio picks, chart visibility, and total-target mode are remembered when you switch screens. • Categories — Clearer breakdowns by category, currency, and liquidity, with the same optional portfolios, bulk selection, and total-target option as in Account status — also remembered between visits. • Portfolios — Year-by-year values can start from your oldest purchase date, not only when the portfolio was created. • Balance sheet — Still included in the full version of the app, like our other premium tools. • Settings — New Analysis section: set whether charts start visible on Account status and on Categories (you can still toggle from the toolbar). Fixed a crash when opening fixed exchange rates. • General polish and clearer wording in English, French, and Spanish. Thank you for using the app.

Savings projects (new) New screen under Analysis: define projects with a target amount and currency. Link accounts with a per-account cap (account currency) and portfolios with a cap (goal currency). Fictitious loan simulation (principal, rate, term) to estimate a monthly payment and amount left to save; it is not a real loan stored in the app. Progress bar with distinct colors for accounts, portfolios, and the simulated loan share, plus a legend and percentage markers. Data stored encrypted on device; backups and JSON export include projects; older backups without savings projects still restore correctly. Deleting an account or portfolio cleans up links in projects automatically. Net worth & balance sheet Reference currency can be changed in the balance sheet view, with rate refresh. Table layout improved (width, alignment, background no longer visually overflows). Property cards: action order (chart, values, edit, delete) matches accounts for consistency. Loans Loan start year upper bound is now dynamic (up to current year + 30) instead of a fixed outdated cap. Portfolios Portfolio detail: Evolution / Values by year button order and tints refined; holding rows: evolution icons and hints aligned. Holding evolution chart: updated empty-state icon.

This update makes your wealth easier to read and improves projections. Wealth balance sheet — New screen under Wealth: year-by-year summary (actual, forecast, gap, year-over-year change), with tables per savings account, per property (net equity), and per portfolio (valuation). Years are shown from oldest to newest. Savings — The amount shown as current uses the latest year for which you entered an actual balance, not only the current year or the initial amount. Dashboard — projection — The chart includes projected savings, net real estate (after the linked loan), and the estimated total. Tap the chart for a year-by-year breakdown. Charts and summary cards are also refined (colors, tooltips, summary). Real estate — You can set an annual value growth assumption for years without manual entry; it applies to projections and related totals without changing years you already filled in. Portfolios — Improvements to detail views and evolution charts. Reliability & languages — Technical fixes for more stable updates; strings updated in French, English, and Spanish.

Traduction error fix In-App purchase error fix