NEW: Financial Health Score — a 0-100 score computed from 5 factors: tax readiness, deduction capture, income diversification, consistency, and tracking habit. Tap the card for a full breakdown with personalized tips. NEW: Income Pulse — a smart forecast of next week's earnings with confidence level, a 5-week trend chart, and a digest of last week (income, tax set aside, miles, days worked). NEW: Monday-morning weekly report notification — your week in numbers, delivered automatically. All insights are computed on your device. Your income data never leaves your phone.

v1.4.0 — Gig worker power tools: (1) Smart Tax Reserve — every income entry auto-calculates your SE + federal + state set-aside; running tax wallet keeps you ready for quarterly payments. (2) Platform Income Dashboard — log Uber, DoorDash, Instacart and 8+ other platforms; see per-platform totals, hourly rates, and net-after-mileage. (3) Deduction Gap Analysis — benchmarks your deductions against typical gig workers; surfaces the top categories you're likely missing. (4) Smart Tax Calendar — proactive IRS quarterly deadline tracking with pre-filled 1040-ES amounts based on your actual YTD income, one-tap to IRS Direct Pay, and mark-as-paid tracking.

Form 8829 — Home Office Deduction. Calculate your allowable home office deduction using the Regular Method (actual expenses × business-use %), compare with the Simplified Method, and export a ready-to-file PDF to attach to your Schedule C.

Schedule SE — Self-Employment Tax Calculator: calculate your SE tax from Schedule C net profit, see the live breakdown (SS tax + Medicare), and export a PDF. The deductible half of SE tax reduces your AGI on Form 1040.

Year-End Tax Kit: see your full tax picture at a glance — income summary, 1099s, deductions, and a personalized filing checklist, all in one place.

NEW: Work-Type Presets. FlowMoney now knows your gig — Uber, DoorDash, Instacart, freelance design, and 45+ more. Select your work type once and the app automatically sets your IRS Schedule C activity & NAICS code, turns mileage tracking on or off by default, and seeds the right deduction categories for your business. Schedule C (Pro): a preset badge confirms the auto-filled Lines A and B so you always know where the values came from. Plus stability polish across the Tax tab. Thanks for using FlowMoney.

NEW: Schedule C Auto-Generator (Pro). Build your year-end IRS Form 1040 Schedule C worksheet PDF from your FlowMoney income and expenses — perfect for handing to your CPA or filling in TurboTax / FreeTaxUSA. SSN and EIN are entered fresh per generation, embedded into the PDF, and never stored. Plus tax estimate refinements and stability polish across the Tax tab. Thanks for using FlowMoney.

NEW: Multi-state tax tracker. FlowMoney now remembers which US states (or Canadian provinces) you worked in across the tax year and shows you days, allocated income, and an estimated state tax breakdown per state. A traveling nurse, consultant, or rideshare driver who crosses state lines no longer has to guess. Manual override built in for the months before you installed FlowMoney. No new permissions, no background tracking. Open the app once an hour while you travel and we remember the rest.

NEW: FlowAI Tax Advisor (Pro). Ask any self-employment tax question in plain English and get an instant answer grounded in IRS Pub 535/463/587 and CRA T4002. 'Can I deduct my new laptop?' 'What's the mileage rate this year?' 'I drove in 3 states — what do I file?' FlowAI cites the relevant publication so you can verify. Starter prompts tailored to your work type. Chat history saved on-device.

NEW: 1099 Reconciler (Pro). Photograph your 1099-NEC / 1099-K and FlowAI matches it against your FlowMoney income, flagging mismatches before the IRS does. Green = matched. Red = dollar diff with your bank deposits. Amber = potentially missing 1099 (e.g. $5k from Stripe but no form uploaded yet). One-tap CSV export reconciliation summary for your CPA. Privacy: photo processed once, never stored.

NEW: Quarterly Tax Auto-Pay. Dashboard now shows your NEXT estimated tax payment with a live countdown to the IRS 1040-ES (or CRA T1 if you're in Canada) deadline. One tap: copies the exact amount to your clipboard + opens IRS Direct Pay in Safari. Long-press for the YTD-to-quarterly breakdown. We persist confirmation per quarter so the card flips to 'paid' after you confirm — no more guessing whether you already sent April's payment.

NEW: Auto-Deduction Finder (Pro). When you have a Pro subscription + connected bank, FlowAI scans every transaction and flags it as business / personal / mixed — building your Schedule C automatically. Dashboard shows YTD deduction total + estimated tax savings (≈22%). Tap any transaction to override the AI — your choice sticks for all future charges from that merchant. Export to CSV for your CPA in one tap.

New: Country picker on the Tax tab. Switch between USA and Canada — calculations adapt automatically. USA accuracy fixes: Social Security wage base cap ($176,100) now properly applied for high earners. Additional Medicare 0.9% above $200k included. Canada: Ontario surtax + Quebec federal abatement now properly modelled. All 13 provinces/territories supported. More countries coming — once verified by local CPAs.

Smart onboarding: get started in 30 seconds with a guided flow. New: Achievement badges on Profile — 13 milestone tiers (Bronze → Diamond). Pro: Recurring subscriptions detected from your bank — see exactly how much $$$ leaks each month. Cloud backup of your manual entries when signed in — never lose data on reinstall. Smarter push permission ask (after first entry, not on cold start). Minor stability tweaks.

Cleaner empty-state experience: until you add your first income or expense, the dashboard no longer shows pre-populated example numbers. Just enter your first entry and your real picture appears. No functional changes vs v1.1.0 — purchase, AI, mileage, receipt OCR, banks all unchanged.

Fixed dashboard so your real income and expenses show up cleanly: as soon as you add your first entry or connect a bank, the on-boarding sample data steps aside automatically. No more mixed-up totals. Plus minor stability tweaks under the hood.

Improved "Rate FlowMoney" — now uses the native in-app review prompt for a smoother experience. Plus minor stability tweaks and natural review-prompt timing after positive moments (first AI chat, first tax estimate, etc).