What's New in PennyFi 2.3 Close a position in one swipe. Done with an investment? Swipe it, sell every lot at once, and choose the account the proceeds land in — realized P&L included. Widgets, your way. Every Home Screen widget now has Deep Black and Transparent background options — long-press → Edit Widget. Perfect for dark wallpapers and minimal setups. Undo for Siri & Shortcuts. Logged an expense by voice and fat-fingered the amount? Just say "undo that." Works for expenses, income, and transfers. Smarter budget rows. Spending booked directly on a parent category (like Shopping) now gets its own "Other Shopping" row — with a budget, progress bar, and tap-through, just like any subcategory. No more mystery overspend. Clearer transactions. The transaction editor now always shows which account the money left — and for transfers, where it went. Improvements "Exclude from budget" now excludes a category's spending from totals too, not just its planned amount Upcoming clears a loan payment as soon as any payment is recorded No-Spend Streaks no longer count months you simply didn't use the app The "How did it feel?" spending check-ins can now be switched off in Settings A full consistency pass so every total agrees on every screen Fixes Fixed a freeze when switching an account's transaction list to "3 Months" Auto-posted recurring transactions no longer disappear when two land on the same day Merging two accounts now reliably moves every transaction Selling an investment into an account with a different currency now converts correctly — and warns you when no exchange rate is available

Bug fixes and performance improvements.

PennyFi 2.2 - know what you can actually spend. SAFE TO SPEND One number that answers "can I spend this?" PennyFi now leads with what's left after your bills, budgets, and savings goals - front and centre on Home, with a tap-through breakdown that shows exactly how it's worked out, plus a new small widget (and Lock Screen widgets on iPhone). REVIEW Sweep through new and uncategorised transactions in a quick card session. PennyFi suggests the likely categories, you accept one or pick your own, and you can note how the spending felt as you go. Swipe on iPhone and iPad, keyboard shortcuts on Mac, and undo if you move too fast. A badge on Home tells you when there's anything waiting. BUDGET BUILDER New to budgeting, or starting over? Answer a few questions about your income and your bills and PennyFi builds the whole budget for you — recurring bills included - using the budgeting method you pick. Rebuild it any time from the Budget tab. CALMER INSIGHTS Insights you don't need can now be snoozed for a month, quieted for a single category, or dismissed for good - each with an undo. Insights, budget alerts and reminders have all been rewritten to be gentler and less judgemental. LOAN PAYMENTS, YOUR WAY When you record a loan payment, you can now type the interest straight from your statement - or the remaining balance - and PennyFi derives the rest, so your split matches your lender exactly. ALSO IN THIS UPDATE • Multiple households: switch between them from Accounts, Budget and Settings, and retry household sync if you were offline. • Restoring a backup now tells you if any tag links couldn't be restored. • Fixed a Mac issue where adding a transaction or transfer from inside an account could stop accepting typing and clicks. • Fixed the Review button overlapping the toolbar on iPad. • Budget and money-move sheets now open without a delay on Mac. Still pay-once. Still no accounts, no bank logins, no subscription - your data stays on your devices and in your own iCloud.

Split & Settle — Track expenses shared with friends and settle up with clear who-owes-whom math. Smarter capture Split a transaction straight from a receipt's line items On-device auto-categorization learns how you file things Quick Add widget right on your Lock Screen New insights in Reflect Age of Money and No-Spend Streak cards Last-7-days recap, plus a Month & Year in Review with a shareable card Reorder or hide any Reflect card Budget with confidence Safe to Spend: your daily pace for the rest of the month Savings goals with target dates and suggested contributions Subscription renewal and price-hike alerts Optional emotion tag to spot mindless spending Your data Export everything: CSV per category plus a documented JSON backup Plus: the app is noticeably faster across the board, and dozens of fixes — multi-currency and split correctness, sync stability, and chart polish.

PennyFi 2.0 - our biggest update ever - Share a budget, split a bill, and finally see where your money goes - all while it stays yours. No subscriptions, no bank logins, nothing leaving your devices. - Shared Household budgets
 Run money together. Create a shared space with your partner - joint accounts, transactions, and budgets that sync privately over iCloud. No third‑party service, no extra fee. - Split transactions
 One purchase, many categories. Split a big shop into Groceries, Household, and Clothing so every amount lands where it belongs. - Tags 
Label any transaction "Vacation," "Business," anything you like - then total them instantly in Search, across every account and category. - Shared expenses
Track who paid and who owes on group costs, and record settlements. No accounts needed. - Ask PennyFi
 Ask about your money in plain language and get answers computed entirely on‑device - private and offline. - A smarter Reflect tab
, No‑Spend Streak, Age of Money, and a Weekly Recap
, Mindful Spending - tag purchases Worth it / Okay / Regret
, Year in Review, summed up and shareable
- - Rearrange and hide cards to make the tab your own - Export anytime
 One tap to a clean CSV or a polished PDF summary. Your data, your file. - And more 
Per‑category budget alerts, savings‑goal target dates, and a faster, more polished app across the board. Pay once. Own it forever.

Penny gets hands-free, smarter scanning, and a more refined Mac experience. • Siri & Shortcuts — Log an expense or income, transfer money, and check a budget or account balance just by asking. Pull up recent transactions right from Spotlight and the Shortcuts app. • Scan receipts on device — Snap a receipt and let PennyFi read the merchant, amount, and date for you. It all happens privately on your device — nothing leaves your phone. • New Net Worth widget — An extra-large home-screen widget to see your full financial picture at a glance. • Mac, your way — Choose between a collapsible sidebar or the classic top tab bar, with a round of layout and polish improvements throughout. • Refined Home — Default widgets are reordered to surface what matters most each day. • Fixes & polish — Sharper allocation charts, more accurate budgets and recurring transactions across devices, and a host of smaller bug fixes. As always, PennyFi is pay-once and private: your data stays yours, with no subscriptions and no bank logins.

Smarter insights & automation • Smart Insights: on-device AI summarizes each month and surfaces what changed, in your language. • Anomaly detection flags unusual spending right on Home. • Subscription Detector finds recurring charges automatically. • Cash Flow Forecast projects upcoming balances from planned transactions. • Rule Suggestions learn from your edits and offer one-tap rules. Bills, goals & planning • Bill Reminders with local notifications and deep links. • Apple Calendar sync for recurring bills, with a tap-back to PennyFi. • Next Bill Live Activity on the Lock Screen and Dynamic Island. • Debt Payoff strategies — compare snowball vs. avalanche. • Savings goal progress card and net-worth Milestones. Faster, friendlier workflows • Phased Import wizard processes backups one at a time, newest first. • Major Import upgrades: history, profiles, duplicate detection, drag-and-drop, and inline editing. • Linked transfers stay in sync when you edit either side. • Transaction search, manual holdings with valuation charts, and loan payment interest splits. • Quick Add and floating + button refined; "See last 100" shortcut on Home. Personalization • Hide Investments, Budget, or Reflect tabs to match how you work. • Alternate App Icons in Settings with real thumbnails. • New Ocean theme and warmer empty-state copy throughout. • Home widgets: Net Worth (small + medium) and Upcoming bills. • Siri & Shortcuts coverage via App Intents. Reliability & reach • Localized into 29 languages. • Daily local backups and clearer iCloud sync status when something needs attention. • Full accessibility pass, haptic feedback on key actions, and smoother macOS behavior (quit on last window close, fixed toolbar theming). • Many crash fixes around CloudKit sync, charts, and large imports. One more thing. PennyFi gets better because you tell us what's missing. Every Live Activity, every shortcut, every milestone in this release started as a suggestion from someone using the app. Keep the feedback coming — your ideas shape what we build next, and the next person to download PennyFi benefits because of you. Thanks for being here.

A bigger, smarter PennyFi. This is our biggest update yet — major new features, a full polish pass, and dozens of fixes. Highlights PennyFi now speaks your language. We finished a full localization pass — every screen, button, toast, and empty state is translated into all 29 supported languages, with care taken on the strings that show up daily: budgets, search, account types, and the Lock Screen / widget copy. • Next Bill Live Activity — your next due bill on the Lock Screen and Dynamic Island, with a live countdown. • Apple Calendar sync — recurring bills land in a dedicated PennyFi calendar, each event a tappable shortcut back to the bill. • Siri & Shortcuts — "Add transaction in PennyFi", "Show budget in PennyFi", and more. • Weekly Smart Insights review — opt in to a once-a-week look back, powered entirely by on-device AI. • Lock Screen widgets — Cash on Hand, Net Worth, and a circular Savings Rate gauge. • Net Worth milestones — markers along the chart for the moments you crossed €10k, €100k, paid off a loan, or completed a goal. • Welcome screen for first-time users with a one-tap demo. • macOS keyboard shortcuts for quick add and tab navigation. Improvements • Pull-to-refresh on Accounts and Investments. • Smart category match: typing a known payee auto-fills the category. • Quick-filter chips on transaction lists (Uncategorized, Large, Income, Expense). • Long-press previews on accounts and transactions. • Recent searches in transaction history. • Friendlier empty states with inline shortcuts to the next action. • Save toasts and gentle haptics on every key action. • Confirmation prompts before destructive deletes. • Cleaner search that focuses on results, not the surrounding cards. • Sharper VoiceOver and Dynamic Type across the app. • Plus dozens of small fixes — including a chart-rendering crash on certain Net Worth ranges. • Net Worth widget tracks day‑to‑day movement on‑device and surfaces it as a real direction signal • VoiceOver readouts on the widget now speak your language, not English. • Better accuracy on small numbers in tight widget layouts • New medium Net Worth widget with an Assets and Liabilities breakdown. • Debt payoff strategies now support extra payments up to 5,000. • Minor polish and fixes. One more thing. PennyFi gets better because you tell us what's missing. Every Live Activity, every shortcut, every milestone in this release started as a suggestion from someone using the app. Keep the feedback coming — your ideas shape what we build next, and the next person to download PennyFi benefits because of you. Thanks for being here.

Smarter Imports Importing bank statements just got a whole lot better. We've overhauled the CSV and PDF import flow with seven new improvements: • Import History — Every import is tracked. See what you imported, when, and from where. Changed your mind? Undo an entire import with one tap. • Saved Import Profiles — Save your bank's column layout once, reuse it every time. No more re-detecting columns for repeat imports. • Better Duplicate Detection — We now catch duplicates already in your data and repeated rows within the same file, with clear explanations for each match. • Edit Before You Import — Tap any transaction during review to fix the payee, amount, date, or type before it hits your books. • Multi-Currency Support — Importing a file with a currency column? PennyFi detects it automatically and tags each transaction with its original currency. • Drag & Drop — Drop a CSV or PDF file straight onto the app to start importing. Works on iPad and Mac. • Polish & Stability — Behind-the-scenes improvements to keep your data consistent across iPhone, iPad, and Mac. Also in This Update • Upcoming calendar view and Home widget for recurring transactions • Savings goal progress card on the Home screen • Debt payoff strategy comparison (snowball vs. avalanche) • Smart rule suggestions based on your transaction patterns • Anomaly detection alerts for unusual spending • Subscription tracker • Cash flow forecasting Thanks for using PennyFi — keep the feedback coming!

• Ocean theme — new dark theme option alongside Midnight, Navy, and Luxury • Transaction search in account detail view + macOS toolbar theming • Investment fixes — widget dedup, portfolio value colored by P&L, price math hardening • CloudKit resilience — guards against data loss from CloudKit purge, deduplicates synced categories, fixes category nullification race • Keychain migration — guards against save failure • Rules view polish — UI improvements to the rules list • macOS pie chart — fixed scroll stuttering in Reflect spending breakdown • Spending trends — line color changed from red to orange for better contrast

• Reset all budgets from the month picker, or clear individual ones with the new X button • Smarter CSV/PDF imports with faster duplicate detection and better error messages • Credit card spending now included in Reflect expense breakdowns • Auto-categorize loan repayment and credit card payment transfers • Full localization support across all screens • Manual holding detail view with valuation chart • Receipt photo capture • Widget reliability improvements • Performance and stability fixes • Fixed asset quantities displaying in scientific notation (e.g. "5E+04" instead of "50,000") • Quantities now show locale-aware formatting with support for fractional crypto amounts • New: Interactive net worth over time chart with scrub-to-explore and period ranges • Fixed: Investment quantities no longer display in scientific notation • Improved: Widget reliability, import accuracy, and app performance • Localized remaining hardcoded strings and OCR language detection • Budget Dashboard — A new visual overview on iPhone with spending bars, a monthly gauge, and over-budget alerts. Toggle between dashboard and detailed list anytime. • Savings Goal — Set a target, link an account, and track your progress with projections and a balance chart. Available on iPhone, iPad, and Mac. • Interactive Net Worth Chart — Tap through your net worth history on the Home tab. • Improved macOS theming — All views now follow your chosen app theme consistently. • Bug fixes and performance improvements. • Vibrant new accent colors inspired by Apple's system palette • Budget progress bars now show actual utilization with green/red indicators • Tap parent categories for a full subcategory budget breakdown • Portfolio value colored green/red based on gain or loss • Colored section titles across Home, Reflect, and Investments • Better number formatting for large and European-style amounts

Widget • Home screen widget now shares data with the main app via App Groups Localization • Full localization support for 29 languages — all menus, categories, charts, period selectors, and account types now translate when you change your device language Budget • Budget reset feature — clear and start fresh for any category • Managing budgets info section with guidance • Clear button in budget editor • Fixed budget calendar appearing blank on first tap • Fixed transfer double-counting in budget expenses Reflect & Analytics • Credit card spending now included in Reflect expense breakdowns and totals • Fixed spending breakdown showing only one category at the start of the month • Fixed pie chart scroll stutter and color mismatch • Improved spending breakdown performance • Fixed pie chart slice selection in detail views Accounts & Transfers • Auto-selects Loan Repayment category for loan transfers • Auto-selects Credit Card Payments category for credit card transfers • Loan account balance now updates correctly after edits • Bank name shown in transfer account pickers • Info sheets clarify that transfers to debt accounts count as expenses Investments • Manual holding detail view with valuation chart and history Accessibility • Full accessibility support across all views • Fixed iPad popover anchoring Stability & Sync • Resolved iCloud CloudKit production sync issues • Fixed duplicate ID crashes • Fixed fresh start not re-seeding categories • Performance improvements with SwiftData indexes • Fixed sync-related data loss from cascade dedup

Fixed issue with localization, and some other under the hood fixes.

Under the hood improvements.