- Improved Monthly Trends with a 6-month premium chart, visible spend values, and trend line. - Changed trend comparison to “Last month” using completed months, so day-1 weird -100% is avoided. - Added Monthly Review insights with category changes, top spend, recurring spend, and premium AI summary. - Removed AI Coach Tip. - Removed Daily Money Brief card. - Kept Today’s Budget smarter by including upcoming recurring expenses like school fees in safe-to-spend. - Fixed notification reliability around permissions, scheduling time, and Android exact-alarm fallback. - Removed broken iOS dev/prod Xcode flavor setup that caused Release- prod build errors. - Added/updated tests for recurring safe-to-spend, monthly review, and monthly trends.

Auto Rebalance (Premium) Your budget now suggests mid-period reallocations when one category is running hot and another has slack. Premium subscribers can tap "Auto Rebalance" to apply the suggested moves to their budget in one tap. This release adds the PostHog analytics SDK for anonymous product usage telemetry (screen views, feature taps, funnel events). No advertising or third-party data sharing. Privacy nutrition label updated accordingly (Analytics + App Functionality). All other functionality unchanged.

A cold-start race condition in HomeScreen, combined with a silent tier-rate fallback: _userTier defaults to UserTier.expiredTrial (home_screen.dart). initState synchronously kicks off _loadActiveBudgets() → _loadDashboardData() → computeAndUpdateStreak(userTier: _userTier) while _userTier is still the default. The real premium tier is only resolved later inside the awaited _initialize() → _loadSubscriptionStatus(), which did not re-trigger the dashboard/streak recompute. In StreakRepository the rate was userTier == UserTier.premium ? 200 : 30, so any non-premium tier silently earned 30. That value was persisted to usage_tracking.earned_ai_parses and never recomputed. Fix Extract the per-tier rate into pure, testable functions: StreakRepository.parsesPerMilestone() / earnedParsesForMilestones() (premium=200, trial=30, expiredTrial=0 — previously expired also wrongly earned 30). Recompute the dashboard streak when _loadSubscriptionStatus() resolves a tier different from the current one, so earned credits use the correct rate once the real tier is known. Add regression tests asserting premium earns 200 per milestone (not 30), plus per-tier coverage.

Bug fixes Recurring-aware forecast — the projection now folds in upcoming recurring_expenses due before period end, so the forecast updates the moment a budget period starts (no need to wait for the bill to post). Forecast is now a hero card — promoted from the bottom of the screen to slot A2 (just below the Budget Health Score). The old SpendingVelocityCard was the buried one; it's replaced by SpendingProjectionCard with a clearer breakdown (Spent · Pace · Recurring) plus an upcoming-bills list. Proactive instead of reactive — the AI insights prompt was rewritten to ask for forward-looking advice ("what to do this week") with explicit context about upcoming bills and available reallocation moves, rather than retrospective summaries. Mid-period reallocation suggestions — new pure-Dart computeReallocationSuggestions flags under-pace categories with slack and suggests moving it to over-pace categories. Rendered as ReallocationSuggestionsCard. No AI credit needed.

• Smarter budget reset — When creating a new budget, AI now analyzes your actual spending from the past 3 months and suggests realistic category allocations tailored to your habits.