Tap-Through Insights on Home Your Home summary is now interactive. Tap Expense or Income to see every transaction for the selected period in one focused list. Tap any slice in the category legend to drill into that category's transactions. Tap a row to open it for editing — no detours through the Wallet tab. Settle All for Debts Wiping the slate clean is now one tap. The Debt Tracker has a new menu action to settle every active debt at once, and the per-person view lets you settle everything you have with a specific person. A confirmation step keeps you safe from accidents, and you can still reopen any debt from its detail view. Smoother Add Debt Flow The "Deduct from wallet" account selector has been redesigned as a horizontal row of cards showing each account's icon, name, and live balance — or available credit, for credit cards. Picking the right account is now a glance instead of a hunt. Bug Fixes & Polish • Fixed credit card balances drifting out of sync after editing or deleting a debt payment charged to a credit card • Replaced the cramped onboarding currency dropdown with the full searchable currency picker • Minor cleanup and stability improvements under the hood

Credit Card Support in Debt Tracking You can now log a debt against any account — including credit cards. When lending money and charging it to a credit card, the app displays your available credit, updates the outstanding balance correctly, and shows context-appropriate messages throughout. iCloud Sync Fix iCloud sync now works correctly for all users on the App Store. A configuration issue was preventing background sync from working in production — this is now resolved. If you had iCloud sync enabled but noticed your data wasn't updating across devices, toggle the iCloud sync setting off and back on to re-activate it. Bug Fixes & Polish • Fixed iCloud background sync not working in production (App Store) builds • Fixed an issue where the iCloud sync toggle could silently reset to off on launch if CloudKit encountered a transient error

Credit Card Support in Debt Tracking You can now log a debt against any account — including credit cards. When lending money and charging it to a credit card, the app displays your available credit, updates the outstanding balance correctly, and shows context-appropriate messages throughout. Bug Fixes & Polish • Fixed a navigation issue in the Wallet tab that could cause the wrong detail screen to appear after deleting an account • Numeric fields in Add/Edit Account now enforce 2 decimal places, preventing malformed amounts

Bills & Installments A brand-new Bills & Installments tab gives you full control over recurring payments and credit card plans. Bills: • Track any recurring bill — weekly, monthly, quarterly, or annual • Bills are grouped by urgency: Overdue, Due Soon, and Upcoming • Summary banner shows your total monthly bill spend at a glance • Mark a bill as paid with a swipe — due date advances automatically to the next cycle • Flag bills as Auto-Pay so you always know what's handled • Get notified before a bill is due — configurable per bill Installments: • Log credit card installment plans with total amount, number of months, and per-month cost • Optional interest rate tracking • Progress bar shows how many installments you've completed • Completed installments are archived and can be shown or hidden Redesigned Action Menu The add buttons across Bills, Debts, and other tabs have been consolidated into a clean Floating Action Button (FAB), reducing clutter and making the main content easier to read. iCloud Sync Fix Resolved an issue where iCloud sync could fail to initialise correctly on first launch.

What's New in This Version Credit Card Manager Track your credit cards like a pro. See your outstanding balance, available credit, utilization bar, APR, and minimum payment at a glance. Charge expenses directly to a card and pay your bill through a dedicated payment flow that keeps your balances accurate. Payment Due Date Reminders Never miss a credit card payment again. Set a reminder per card — choose to be notified the day of, 1 day, 3 days, 1 week, or 2 weeks before your due date. Wallet Grid View Switch between carousel and 2-column grid layout in your Wallet. The grid shows your 4 most recently used accounts by default, with a tap to see all. App Update Notifications The app now checks for new versions on the App Store and lets you know when an update is available. Bug Fixes & Polish • Fixed carousel card layout on iPad • Various stability improvements Debt Tracker Track money you owe and money owed to you — all in one place. The new Debts tab lets you log debts, record payments, and see your progress toward settling up. • Log debts in either direction: I Owe or They Owe Me • Deduct from your wallet when logging money lent — pick a source account and the amount is recorded immediately • Pay a debt directly from your wallet — balance is checked before saving • Receive a repayment and have it deposited into your wallet automatically • Add more to an existing debt at any time • Edit debt details including name, reason, note, and due date • View full payment history with timeline layout • Summary banner shows your net position at a glance • Debts are grouped by urgency: Overdue, Due Soon, and Active • Get notified the day before and on the day a debt payment is due • Debt payments are excluded from your budget and spending totals

What's New in This Version Credit Card Manager Track your credit cards like a pro. See your outstanding balance, available credit, utilization bar, APR, and minimum payment at a glance. Charge expenses directly to a card and pay your bill through a dedicated payment flow that keeps your balances accurate. Payment Due Date Reminders Never miss a credit card payment again. Set a reminder per card — choose to be notified the day of, 1 day, 3 days, 1 week, or 2 weeks before your due date. Wallet Grid View Switch between carousel and 2-column grid layout in your Wallet. The grid shows your 4 most recently used accounts by default, with a tap to see all. App Update Notifications The app now checks for new versions on the App Store and lets you know when an update is available. Bug Fixes & Polish • Fixed carousel card layout on iPad • Various stability improvements Debt Tracker Track money you owe and money owed to you — all in one place. The new Debts tab lets you log debts, record payments, and see your progress toward settling up. • Log debts in either direction: I Owe or They Owe Me • Deduct from your wallet when logging money lent — pick a source account and the amount is recorded immediately • Pay a debt directly from your wallet — balance is checked before saving • Receive a repayment and have it deposited into your wallet automatically • Add more to an existing debt at any time • Edit debt details including name, reason, note, and due date • View full payment history with timeline layout • Summary banner shows your net position at a glance • Debts are grouped by urgency: Overdue, Due Soon, and Active • Get notified the day before and on the day a debt payment is due • Debt payments are excluded from your budget and spending totals

What's New in This Version Credit Card Manager Track your credit cards like a pro. See your outstanding balance, available credit, utilization bar, APR, and minimum payment at a glance. Charge expenses directly to a card and pay your bill through a dedicated payment flow that keeps your balances accurate. Payment Due Date Reminders Never miss a credit card payment again. Set a reminder per card — choose to be notified the day of, 1 day, 3 days, 1 week, or 2 weeks before your due date. Wallet Grid View Switch between carousel and 2-column grid layout in your Wallet. The grid shows your 4 most recently used accounts by default, with a tap to see all. App Update Notifications The app now checks for new versions on the App Store and lets you know when an update is available. Bug Fixes & Polish • Fixed carousel card layout on iPad • Various stability improvements Debt Tracker Track money you owe and money owed to you — all in one place. The new Debts tab lets you log debts, record payments, and see your progress toward settling up. • Log debts in either direction: I Owe or They Owe Me • Pay a debt directly from your wallet — balance is checked before saving • Receive a repayment and have it deposited into your wallet automatically • Add more to an existing debt at any time • Edit debt details including name, reason, note, and due date • View full payment history with timeline layout • Summary banner shows your net position at a glance • Debts are grouped by urgency: Overdue, Due Soon, and Active • Get notified the day before and on the day a debt payment is due • Debt payments are excluded from your budget and spending totals

• Fixed a crash on iPad when tapping "New Category" in Settings • Fixed categories becoming unresponsive on Mac after navigating away and back • Fixed section headers overlapping list items on Mac

SmartSpent is now free to download. • SmartSpent Pro — Unlock unlimited accounts, receipt scanning, AI Insights, monthly budgets, data export, custom categories, and iCloud Sync with a one-time purchase. If you previously paid for SmartSpent, you'll receive Pro automatically. • Receipt Scanner improvements — Better accuracy when reading totals, including amounts with thousands separators. • iCloud Sync reliability — Fixed a rare issue where data could be lost when toggling iCloud Sync.

• Redesigned Wallet with a smoother, premium horizontal account carousel. • Improved add/edit flows for accounts, transfers, and category selection. • Expanded Recent Activity with show more/less controls and better note visibility. • Added global balance hide/unhide support across Home, Wallet, and Wallet Detail. • Improved stability for iPhone/Watch sync with better deduplication and store resilience. • Fixed transfer validation when sending an exact account balance. • Fixed currency picker and currency refresh issues in Wallet and account forms. • Improved navigation reliability and resolved stale navigation path crashes. • Polished UI spacing, icons, and keyboard behavior across key screens.

• Added receipt scanning to capture expense details faster • Added custom category management (create, edit, and delete categories) • Improved transaction flow with better category handling • Fixed a crash when adding a new account • Fixed iCloud-related sync behavior for app and widget • Updated icon style for a cleaner, more consistent look