Bug fixes - Fixed birthplace search not finding Korean city names such as "Seoul". Improvements - The fortune screen now shows your birthplace, with birth time, gender and birthplace on one line. - Chinese characters in Saju and Zi Wei readings now show their reading and meaning, so they are easier to read. - Reduced spacing on the birth info screen so it fits smaller screens at a glance.

New features - Fortune is here — view your Saju (Four Pillars), Zi Wei Dou Shu and Astrology natal charts, plus daily Zodiac and Chinese-zodiac readings. - Tap any character in the chart to see its reading and meaning, and use the "?" at the top for a how-to-read guide. - Send a text or message through the share sheet to log a card purchase as a transaction right away. Improvements - Fortune natal charts now appear much faster the first time. - Simplified the fortune entry point on the home screen. Bug fixes - Fixed an occasional error when opening a fortune screen.

New Features - Added Wiki — write markdown notes and link them together to build your own knowledge base - Two-way sync with your local Obsidian vault (notes, image attachments, folder structure) - Graph view to see how your notes connect at a glance - Organize notes into folders and filter by folder or tag - The chatbot searches your wiki and cites notes in its answers - Promote sticky notes into wiki notes - Edit your wiki on the web too - Added D-Day to the More menu Improvements - Tidied up the More menu layout - Added a clear button to the wiki search box - Empty folders are cleaned up automatically after moving or deleting notes Bug Fixes - Fixed the today cell in the asset calendar that looked slightly misaligned

New - Life timeline now shows loan payoff dates and savings goal dates. Improvements - AI analysis credits are only charged when the analysis succeeds. - Payment due dates now account for public holidays for better accuracy. - Briefings and task dates now follow your local time zone correctly. - Vault security hardened: copied passwords auto-clear and the vault re-locks on re-login. Bug fixes - Fixed morning briefings and some notifications not being delivered. - Fixed card usage and account balance updating late after saving a transaction. - Fixed the last day of repeating events and month-end due dates missing from the calendar. - Fixed home screen schedule and weather widgets not refreshing. - Fixed Mandalart AI replies being cut off mid-sentence.

New Features - A new Future Timeline brings your key money and life moments together in one view. - Tap any item on the Future Timeline, such as a loan payoff date, insurance maturity, or anniversary, to jump straight to its details. - A new smartwatch widget shows your next event, payment, and routine at a glance. Improvements - Added a button to bring over last month's budget in one tap.

### What's New - A smartwatch companion app is here. Check today's routines and to-dos right from your wrist and mark them done in a tap. - Notification actions let you tap Done or Snooze 30 min without opening the app. - A watch-face widget shows your routine progress (e.g. 3/7) at a glance. - Tap the mic on the watch To-do screen to add a new task by voice. - Ask your voice assistant "JARVIS today routines" for a spoken progress update. - Tap any exchange-rate card to open a converter — type a foreign amount and the base currency total updates in real time. - The More menu now opens into two fan rings — the inner ring jumps you straight to Rates, Add Transaction, and the Transactions Calendar. - Thai Baht (THB) and 11+ more currencies are now available for both rates and base currency. ### Improvements - SMS auto-matching now also fills in the rule's place and memo, raising classification accuracy. - Card statements now show the payment account so you can see which account is debited at a glance. - Hardcoded Korean labels across the app have been translated into 11 languages. - Category-chart bar widths and row spacing have been tuned to fit more on one screen. - The bottom navigation bar and banner now stay visible across every Settings screen too. - Rates worth less than 1 of your base currency now show with decimals instead of being rounded down to zero. ### Bug Fixes - Fixed an issue where short-term card loan repayment accounts were wrongly mapped to the cash wallet. - Fixed an issue where activation stalled right after sign-up, preventing the home screen from loading. - Fixed an issue where the currency picker was hidden under the notch or could not be swiped down to close. - Fixed an issue where the estimated charge on the card statement was cut off by a line break. - Fixed transient network errors being wrongly counted as fatal crashes.

What's New - The More menu now opens into two fan rings — the inner ring jumps you straight to Exchange Rates, Add Transaction, and the Transactions Calendar. - Tap any rate card to open a converter dialog; type a foreign amount and the base-currency total updates in real time, with thousand separators added automatically. - Thai Baht (THB) is now part of the exchange-rate list. Improvements - Base currency picker expanded from 6 to 15+ options — Singapore Dollar, Hong Kong Dollar, Indian Rupee, Indonesian Rupiah, Vietnamese Dong, Thai Baht and more. - Rates worth less than 1 of your base currency now show with decimals instead of being rounded down to zero. - The bottom navigation bar and banner now stay visible across every Settings screen too. Bug Fixes - Fixed a stall on the schedule and finance calendars when tapping a weekend date or rendering a weekend cell that already had events.

What's New - Goal- and mandala-related chatbot replies now show an "Open Compass" shortcut so you can jump straight to the tool. Improvements - Saturday and Sunday cells in the schedule and finance calendars are narrower and lightly tinted, making weekends instantly recognisable. Bug Fixes - Fixed loans whose balance had reached zero still appearing active and skewing the low-balance risk calculation. Affected entries are corrected automatically. - Fixed today's routine completion count on the home card not matching the routine screen.

New features - A bucket list has been added to the Goals tab so you can manage your aspirations with categories and target dates, and record the date you achieve each one. - Tips for each Mandala chart technique have been added to help you plan. - Major cities around the world have been added to the weather city picker. Improvements - City names and weather descriptions now follow your app language. - SMS auto-detection rules have been improved for more accurate transaction classification. Bug fixes - Fixed the Mandala grid being cut off at the bottom on some screens. - Fixed short event cards breaking in the daily schedule view. - Fixed an account transfer prompt appearing incorrectly for card payments with a recognized merchant. - Fixed Mandala results being generated in Korean when the interview was done in English.

New • A Mandalart archive lets you save multiple goal boards and switch your main one. • Export your finished Mandalart as a large image to save or share. • Regenerate just the 8 actions of a specific area. Improvements • Zooming the Mandalart grid now expands in two stages so text is never cut off. • The goal-writing wizard shows the current step and your core goal at the top. • The Mandalart screens now display in your selected language. Bug fixes • Fixed a crash when closing or reopening the goal-writing wizard. • Fixed an issue where an in-progress Mandalart overwrote your main goal. • Fixed an error when entering the Mandalart screen. • Fixed anniversary notifications not being delivered.

[New Features] Mandalart goal setting (Compass) — Build your life's core line, 8 areas, and 64 actions through a short AI interview. Turn any action into a todo, routine, or schedule with one tap; events get a Compass origin badge. New Mandalart home-screen widget shows your full 9×9 grid at a glance. Redesigned intro with 6 pages including a dedicated Mandalart and home widgets page. Journal added to the radial more menu. [Improvements] Mandalart screen now supports three views (All / Focus / List) with pinch zoom. The home card now better highlights your active or in-progress mandalart. Daily morning briefing generates more reliably, and tapping the notification opens it directly. Full Mandalart translation completed across 11 languages. [Bug Fixes] Routine slots no longer auto-collapse after completion. Removed misleading check icon on Mandalart cells. Fixed overlapping and clipped circles in the radial menu. Event detail and edit screens now show the Compass origin badge.

New - People Hub is here. Add family, friends and colleagues, then link events, anniversaries, notes and transactions to each person — all in one place. Includes "long time no contact" reminders and chatbot briefings. - Import people from your phone contacts in one tap. Name, phone, email and birthday are filled automatically, and you can erase everything at any time. - Link multiple people to one event — perfect for family meals, club gatherings and any plan you share with several people. - Yearly budget option added. Track yearly limits alongside monthly budgets. Improvements - On days with a journal entry, the journal card now appears above events. - Calendar journal markers are now full-cell rings, far easier to spot at a glance. - Tap a transaction in Financial Explorer to jump straight to the edit screen. - Improved monthly/yearly toggle visibility in dark and light modes on the budget screen.

New - Financial Explorer is now in your account book. View expenses and income across this week / 30 / 90 days / this year / 12 months or a custom range, with category, merchant and large-transaction breakdowns in one place. - Auto financial insight cards arrive every morning, flagging spending pattern changes and new subscriptions. Important changes can come as push notifications too. - Routine now supports partial completion — a three-state cycle (done / partial / missed) shown with intensity-based colours in stats. - SMS auto-parsing expanded to 11 markets: JP, CN, TW, HK, ES, DE, FR, PT, BR, ID, VN — card and transfer messages now flow in automatically. - Default currency is auto-detected from your phone region on sign-up, with 11 currencies now supported. Improvements - Trend chart in Financial Explorer is far more readable — axis labels, grouping (day/week/month) and a peak label always visible. - Default categories shown in English now also appear naturally in your language. - Filled missing labels across 11 languages. - Voice mode response stability improved. Bug fixes - Fixed loans showing D-(-7) overdue even after the instalment was paid. - Fixed Financial Explorer header showing only the category ID with an empty transaction list when filtering. - Fixed a transient error that could appear right after checking off a routine.

What's New - Every morning at 7, AI sums up your routines, todos and events into a one-line briefing. - Every evening at 9:30, AI warmly wraps up your day and recommends tomorrow's priority. - Jot down a one-line journal and your mood right inside the evening reflection. - The schedule calendar shows a tiny dot on days you journaled — tap to view entries. - See upcoming payments and incoming amounts at a glance in the cash flow calendar. Improvements - Scheduled payments falling on weekends or holidays now auto-shift to the nearest business day. - The "7 days" label on the low-balance risk card is clearer about what it means. - Fixed the cron that had stopped generating daily horoscope data. Bug Fixes - Start screen no longer flickers when switching accounts or refreshing tokens. - Cash advance's first due date now matches the card's billing cycle correctly. - Some charts now refresh immediately after editing a transaction.

New Features - A welcome flow appears right after sign-up — start with a routine, a to-do, or a calendar event, and optionally set a privacy PIN. - Transactions now show their date so you can see when each one happened at a glance. - The routine emoji picker is richer — 28 curated emojis plus a "more" toggle for a wider selection. - Notifications now arrive correctly based on your local time zone. - Credits are now spent expiry-first, and the usage history shows the expiry date for each batch. Improvements - Permanently deleting a routine now preserves your past completion history. - Added a Routine section to the usage guide. - Cold-start data loading is faster and more stable. Bug fixes - Tapping a routine notification now navigates to the correct routine screen. - Category learning no longer creates incorrect rules from loan repayment transactions. - The "Today" label on transaction cards now displays correctly.

New - Manage daily routines from the chatbot — create, complete, delete, archive. - See your routine streak and overall achievement at a glance. Improvements - The wizard now recognises routines you registered in another language. - Added "Plan the day" to the morning suggestions in the wizard. - Cleaned up the progress and streak display on the routine hero card. - Card bills with a zero amount are no longer shown under upcoming expenses. - Reward-ad messages now follow your system language automatically. Bug fixes - Fixed the time-of-day labels (Morning / Noon / Evening / Night) wrapping in English. - Fixed routine check / uncheck not reflecting instantly.

New - Daily Routine — time-slot checklists for morning, noon, evening, and night, with streak tracking and stats on one screen. - Routine Wizard — pick from 30 suggested routines and add them in one tap. - Long-press a routine card to send it to Todo or show it on the calendar. - Push reminders fire at each routine's scheduled time. - Home screen now shows today's routine progress in one line. - Daily-quote dialog has a quick "another quote" button. Improved - Bottom tabs reordered by usage — Home, Routine, Todo, Schedule, Ledger, Notes, Vault. - Stats screen now shows a 7-day heatmap, a 30-day bar chart, and per-routine streaks. - Onboarding now includes a Daily Routine page. - The chatbot's add/edit operations now reflect on screen instantly. Fixed - Routine cards can be unchecked again after checking. - Fixed a back-button glitch on the Today's Routines screen. - Some KB Kookmin card SMS messages are now correctly recognized. - Loan detail header no longer truncates interest rate and repayment type. - Daily quote no longer falls back to English unexpectedly.

New - Export transactions from the account, list, and card history screens to CSV, Google Sheets, or Obsidian. - Loan repayments are automatically split into principal and interest, with a new "Interest Expense" category. - Balance adjustments now consolidate into a single record instead of stacking up. - The Password Vault has grown into a secure file vault — keep images, text notes, and PDFs alongside your passwords. - Give every saved file a custom title and share or save it to other apps in one tap. Improved - Each account transaction row shows its category and memo at a glance. - The new "Today's tasks & schedule" chatbot chip rolls today's to-dos and events into one daily memo. - The web ledger (memo, to-do, vault) and landing page got a fresh design with a mobile menu. - Increase the vault storage limit (default 10 MB) by spending credits per megabyte. Fixed - The add-transaction screen now closes properly after saving. - SMS card merchant parsing no longer pulls the date/time prefix into the merchant name. - The memo editor and new sticky note positions no longer drift off-screen.

New Features - Earn one Jarvis credit per ad you watch. Top up freely within the daily cap. Improvements - New transactions update your budget and home balance instantly, with pull to refresh now available. - SMS auto detection now extracts card payment merchants more accurately. - The same SMS can be re-imported within five minutes if needed. - The save button on the transaction screen always stays active, and missing fields are shown inline. - AI chatbot fallback replies now appear in your preferred language. Bug Fixes - A friendly message appears when memos cannot be loaded. - Removed the black gap between the ad banner and the bottom navigation bar.

[New] - Savings and deposit accounts are now part of your assets, with maturity amount and payment schedule tracking. - A new pen sketch memo type lets you draw with color, stroke width and an eraser. - The web version now lets you use memos, tasks and the password manager exactly like the app. - When adding a credit card you can pick the issuer from a list — major issuers from 11 countries are preloaded, and free input is still available. - A new banner ad slot appears on the main screen. [Improvements] - The SMS-paste screen now uses a single button that switches between analyze and save. - Card statement amounts now update instantly as transactions change. [Fixes] - Duplicate notifications on the same card billing day are gone. - Deleted memos no longer linger on the board. - Tapping a date from a neighboring month in the calendar now jumps to that month. - The AI consent dialog no longer appears in English or shows "login required" on cold start.

### New - A "Did you know?" tip now appears alongside the daily quote each day. - A new "Tips" menu in Settings shows the full list grouped by category. - The AI button at the top-left of the Memo and Todo screens opens the chatbot instantly. - Attach meeting audio, documents, or text to the chatbot and save the analysis to a memo in one tap. - Tapping a card payment-due notification jumps straight to that card's statement. - Pick a day in the ledger calendar and tap + to start a new entry already dated to that day. - After saving an entry, the ledger automatically lands on the day you just used. ### Improvements - Opening a card statement now selects the active billing cycle by default. - Upcoming card payment dates show the expected charge for that month at a glance. - Loan list and detail now display the principal repaid so far. - Overdraft limits feed into the low-balance alert and the available-to-pay calculation. - The category grid in the ledger entry screen is more compact, fitting cleanly with the keypad. - Project badges in the Todo matrix line up inline with the title for a unified look. - Items saved as memos appear in the memo board right away. ### Bug fixes - Fixed a red error screen that could appear when picking a date in the ledger entry screen. - Fixed cards being flagged as overdue (and triggering false notifications) when a freshly added card's billing day had just passed. - Fixed the memo board not refreshing immediately after creating a new memo.

New Features - New TODO tab. Sort tasks into Inbox, Today, Scheduled, and Someday quadrants and drag between them. - Eisenhower matrix view organizes tasks by urgency and importance. - Attach meeting recordings, PDFs, and text files to the chatbot for automatic summary and analysis. - Broad accessibility support: dark mode, larger text, reduced motion, VoiceOver, and color-blind friendly cues. Improvements - Stronger color contrast in light mode for amounts and category labels. - Home and Ledger now adapt cleanly to larger text settings. - Page transitions and celebratory effects respect Reduce Motion. - Voice and document attachment analysis now responds in your language automatically. - Bottom navigation labels are now always visible for easier menu recognition. - ATT pre-consent copy refined across 11 languages. Bug Fixes - Fixed bottom quadrants getting clipped on the matrix screen. - Fixed the matrix endlessly reloading in some cases. - Fixed the chatbot reply area being hidden behind the keyboard. - Fixed incorrect time display on the schedule share page. - Fixed an error when leaving the screen during calendar sync. - Fixed scrolling getting stuck when re-tapping the active tab.

ATT consent screen optimization

[New Features] - Insight cards appear when you open Finance, automatically diagnosing balance, budget, and spending patterns. - A new "Upcoming expenses" section in Finance shows card, loan, and insurance dues within 7 days at a glance. - Home screen widgets expanded to 9 (Weather, Currency, Today + Eisenhower matrix, Memos, Upcoming payments, and more). - The currency management screen highlights your default currency, recalculates all rates against that base, and refreshes automatically every 30 minutes. - Paid card statements now show the estimated total and the actual paid amount side by side (50:50 columns). - Tap a card billing date in the schedule view to jump straight to its statement and a "Mark as paid" CTA. - SMS category suggestions learn from edits you make and prioritize them next time. - News added a Tech category with a dedicated analysis pipeline. - Loan detail header was redesigned with a progress pie plus interest rate, repayment method, and debit account. [Improvements] - Memo handle bar and pin/edit/minimize icons are larger, making them much easier to tap. - Minimized memos can be dragged anywhere on the screen, and snap back into view when expanded. - When you refresh currency rates and nothing changed, you'll see "Rates are already up-to-date". - Rate timestamps now show hour and minute. - Day-view overlapping cards and monthly landscape scrolling are smoother. - Finance and Home screens load faster (summary/monthly/category data fetched in one round-trip). - Home screen widget descriptions auto-switch to your device language (KO/EN/JA/ZH). - Home and Finance spacing/dividers were tidied up, and the loan progress visualization got refined colors. [Bug Fixes] - Fixed card billing entries lingering in "Upcoming expenses" and the calendar even after they were marked paid. - Fixed statement totals and this month's card usage incorrectly decreasing after marking a card as paid. - Fixed a freeze on the add/edit card screen in certain situations. - Restored automatic thousands-comma formatting on the card payment amount field.

What's new - Seven new languages added: Spanish, German, French, Portuguese, Indonesian, Vietnamese, Traditional Chinese. - Region (country) setting added — auto-detected from OS, manually changeable. - Loan, card and insurance schedule cards now show the payment account and balance. - Year-end tax preview cards now show spend and estimated refund side by side. Improvements. - Calendar list refreshes instantly when you tap a date. - Chatbot session timer renders cleanly on foldable phones. - Removed the duplicate income card on Home that overlapped the Ledger view. Bug fixes - Fixed: Korean bank defaulting in account creation for non-Korean users. - Fixed: chatbot long-term memory was saving instructions instead of facts. - Cleaned up Korean fragments that leaked into other-language screens. - Fixed: onboarding title wrapped to two lines on narrow screens.