Start the new month knowing exactly where your money goes — and which card it went on. NAME YOUR BANKS & CARDS Paying by Debit or Credit? Now add the bank or card behind it — ICICI, HDFC, SBI, Kotak, Chase, Amex and more built in, or type your own. Your recently used cards are one tap away, and every expense remembers how you paid. SEE SPEND PER CARD The Stats page's "By Payment Method" card now drills down: tap Debit or Credit to see exactly how much went on each bank and card this period — in your personal stats AND in group stats. Group Excel reports include the card on every line. FIX EXPENSES RIGHT FROM STATS Spotted a wrong subcategory while reading a report? Tap the expense inside any stats breakdown — including the new tappable Spending Split pie chart — and edit it on the spot. Personal drill-downs now group by subcategory with subtotals, just like group stats. ASK THE COACH ABOUT YOUR CARDS New in AI Coach: ask "Which card did I use most?", "How much on my HDFC card this month?", or "How did I pay?" and get instant visual answers computed from your own data — free, offline, no AI quota used. MONEY BASICS, MADE FOR YOUR COUNTRY Tap a Money Basics chip in the coach for plain-language explainers — SIPs, CIBIL score, tax regimes and UPI safety in India; credit scores, 401(k) and APR in the US — each grounded with your own numbers from the app. Educational only, always. SMOOTHER GROUPS & SETTINGS • Custom and percentage splits now re-balance automatically when you add or remove members — your ratios are preserved. • Budget, Categories, Tools and About sections in Settings start collapsed with summaries, so the page is finally scannable. Plus reliability fixes across sync, splits and stats, hardened after multiple independent code reviews. Questions or ideas? Tell us in Settings → Send Feedback — several features in this release came straight from user requests.

Groups, levelled up. ONE PRO UNLOCKS THE WHOLE GROUP A single Pro membership now opens your group to up to 25 people. Family, flatmates or trip group — everyone joins free. PICK THE DATE, FIND ANYTHING Group expenses can now be logged on any past date. And every list — group or personal — is searchable by keyword or exact amount. CASH, UPI, DEBIT & CREDIT Tag how you paid, set a default, or just type it — "chai 20 upi" works. Stats and the group Excel report show month-end totals per payment method. SEE WHAT'S BEHIND EVERY CATEGORY Tap any category or pie slice in group stats to reveal the expenses behind the total, grouped by subcategory. EXCEL REPORTS FOR REIMBURSEMENT One tap exports an office-ready report: category, subcategory, member and payment-method totals, a signature block, and an itemised sheet. Foreign-currency trips stay accurate with per-currency totals. REFER FRIENDS & FAMILY A friendlier name and clearer rewards: 3 active friends get you 1 month of Premium, free. Plus trip amounts in your own currency, and reliability improvements across group invites, member limits and sharing.

Your currency, done right • True home-currency support — new installs automatically start in your local currency, while existing accounts keep ₹ exactly as before. Your history is never converted. • Group splits and settle-ups now stay in your own currency, and cross-currency balances clear exactly — no leftover dust. • The AI Coach, Insights and Forecast now speak your currency, with region-correct guidance and daily limits that follow your own calendar day. • Stability: fixed rare crashes on the AI upsell banner, the notification settings sheet, and the receipt scanner. Private by design, always: ExpenseFlow never reads your SMS or email.

A coach that shows its math ASK ANYTHING ABOUT YOUR NUMBERS The AI Coach now answers totals, comparisons, affordability and safe-to-spend questions instantly from your own transactions — and shows the exact entries behind every figure. Ask about investing and it points you to a SEBI-registered adviser instead of guessing. YOUR SPENDING STORY Home now leads with purchases and bills and keeps savings separate. Tap the monthly total to see what drove the month, how it compares to last month, and your share of group expenses. SMARTER STATS, INSIGHTS & FORECAST Like-for-like month comparisons, income vs outflow trends, data-backed insights, and a forecast that counts bills, savings and one-offs exactly once. GROUP QUICK ADD, FULLY CARRIED OVER Type something like "tea 30" when adding a group expense and tap Custom split — the description, amount and category now carry straight into the editor, with everyone's share already split for you.

Family groups just got a big upgrade! INVITE IN ONE TAP • Share invites that show who's inviting and which group to join • Friends open the link and the app joins them after a quick confirmation — no code typing • Group QR codes work straight from the phone camera CLEARER GROUP FINANCES • Tap any balance to see exactly how it's calculated — every expense, each member's share, and settle-ups • Redesigned overview: Pay Back suggestions and everyone's balance lead the screen, monthly spending closes it • Joining a group now takes you straight into that group • Give each group its own icon, and see the exact date & time on every activity FASTER & MORE RELIABLE • Common merchants are recognised instantly, so AI fills in categories faster • Email sign-up and password-reset codes are more reliable • Major under-the-hood hardening of offline sync — your data stays consistent across devices and sign-ins

Faster, more reliable sign-up & password reset • Verify your email with a 6-digit code — type it right in the app instead of tapping an email link that could expire. • Forgot your password? Enter the emailed code and your new password together in the app — no link needed, and you're signed back in instantly. • Fixed rare crashes when adding expenses and using voice input. • Stability and reliability improvements throughout the app.

This update makes ExpenseFlow more reliable and faster. - Your full history syncs safely, even with years of data. - Expenses added offline or mid-sync always reach the cloud. - Group balances handle foreign-currency trips correctly, and equal splits like 33.33% x 3 now save cleanly. - Enter amounts with commas like "50,000" everywhere, and the amount keyboard now includes a decimal point. - Faster startup and a smoother Home screen. Thank you for using ExpenseFlow!

• Safe to Spend is now simpler and more transparent. Upcoming recurring bills are shown for context but aren't deducted until you actually log them — so the number always matches what you've spent. • Tap "How is this calculated?" on the Safe to Spend card to see the full breakdown: income, savings reserved, sinking funds and spending. • Add your due recurring bills in one tap — or permanently stop a recurring bill you no longer want (now synced across devices). • A new month starts fresh: log this month's income to set your Safe to Spend. • Fixed: everyday groceries like milk are no longer mistaken for recurring bills. • Quick-add tips now rotate to help you discover shortcuts — like "@group" to log straight into a family group. • New: log to your Business ledger or an Office Trip right from the home Quick Add bar — try "#business sold 1500 to Sharma" or "#trip taxi 300". • New: Settings → Tips & Features — a scannable reference of every shortcut and feature. • Performance and stability improvements.

This update enables iOS ad support for free users now that the App Store listing is live and AdMob is approved. Premium users remain ad-free. Includes small release-readiness improvements for the iOS App Store version.