SCHEDULED TRANSACTIONS • Every recurring transaction now always shows its next payment, even when it falls more than 30 days ahead • "Delete" on a pending payment now gives you the choice: remove just this payment, or delete the whole series after confirmation • The dashboard and the edit screen also ask for confirmation before deleting a series • New tool in Settings › Data maintenance: find a recurring series from its history and recreate it in one tap IMPROVEMENTS • More reliable scheduling, better synchronised across your devices • "Recurring & Scheduled" help topic updated; user guide refreshed • Fixes and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

MORE ACCURATE INCOME AND EXPENSES • Movements in your investment accounts (PEA, securities account, employee savings, retirement plan, life insurance…) no longer count as income or expenses: a fund switch no longer shows up on both sides of the dashboard • This covers purchases and sales of units, fund switches, dividends and deposits entered on the account: the money does not leave the account • Monthly balance, savings rate, budgets, alerts, reports, cash-flow projection, widget and AI assistant all take it into account • These movements remain visible in your lists and in their account's history IMPROVEMENTS • "Dashboard, Budgets & Reports" help topic expanded; user guide updated • Fixes and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

FUND SWITCHES IN ONE GO • New "Fund switch" screen in an account's Portfolio tab: one fund sold, one or more funds bought, each with its units, net asset value and date • The summary shows the remaining cash live: 0.00 in green when everything is reinvested • The switch is saved as a single block EMPLOYEE SAVINGS, RETIREMENT PLANS AND ACCOUNTS HELD IN UNITS • A deposit or withdrawal goes to the account's cash, as on a PEA, without touching your funds • Cash is shown under the account balance ORDERS AND POSITIONS • New "Execution date" field for purchases and sales • Amounts rounded to the cent, as on the transaction notice • The acquisition price follows your purchases and sales: accurate gains • Deleting a position updates the value and the balance at once • A value of 0 can be saved when editing an asset INVESTMENT ACCOUNT HISTORY — AUTOMATIC • On Mac, the value of your investment accounts is recorded at the chosen time as long as PatrimoniApp is running, even with its window closed. New option: open PatrimoniApp at login • On iPhone and iPad, recording can happen in the background, without opening the app FOREIGN-CURRENCY TRANSACTIONS • A foreign-currency expense is converted at the right rate as soon as you enter it • Statement imports apply each transaction's own daily rate • Transfers between currencies: the amount received matches the rate you entered • Existing transactions are fixed automatically, without changing your balances DASHBOARD AND BUDGETS • "Annual passive income" now also counts the interest you record • "Debt ratio" is based on your average income over the last three months • "Average net return" becomes "Average gain" • Budgets, the monthly balance and alerts use your main currency IMPROVEMENTS • New help topic "Switching between funds"; in-app help and user guide reviewed • Fixes and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

INVESTMENT ACCOUNT HISTORY — AUTOMATIC • On Mac, the value of your investment accounts is recorded at the chosen time as long as PatrimoniApp is running, even with its window closed. New option: open PatrimoniApp at login • On iPhone and iPad, recording can happen in the background, without opening the app, at a moment chosen by iOS • The time follows the time zone of the chosen market, wherever you are FOREIGN-CURRENCY TRANSACTIONS • A foreign-currency expense is converted at the right rate as soon as you enter it, instead of counting 1 for 1 in euros • Editing a transaction keeps its original rate • Statement imports apply each transaction's own daily rate • Dividends and sales received in another currency: correct equivalent value • Existing transactions are fixed automatically, without changing your balances Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW — INTEREST ON YOUR SAVINGS • Enter the rate of your interest-bearing accounts, savings accounts, term deposits, bonds, euro funds and money-market funds. It is optional: without a rate, nothing is calculated • The rate can change over time, like a variable-rate loan: each revision keeps its date • The calculation follows each product's rule: fortnights for French regulated savings, daily accrual, compound interest or bond coupon • On each account or holding: interest since 1 January, full-year estimate, previous year, next credit and the amount after tax • When the bank pays the interest, the app prepares the transaction: adjust it to your statement, then confirm NEW — INTEREST TAB AND SIMULATOR • Wealth › Interest sums up all your interest-bearing savings: estimated interest for the year, average rate, interest-bearing capital • Simulate weekly, monthly, quarterly or yearly contributions: how much will you have in 1, 5 or 10 years? • A year-by-year summary details the capital, contributions and interest • Regulatory deposit ceilings are respected REPORTS AND SIMULATIONS • The monthly, quarterly and "Invested wealth" reports show the estimated interest for the period, on screen and in PDF • The Monte Carlo simulation now separates your interest-bearing savings, which grow steadily at their rate, from the rest of your wealth • The AI assistant can answer "how much does my savings account earn?" GOOD TO KNOW • These are indicative estimates: only the calculations of your bank or financial institution are authoritative • Estimated interest is never added to your balances or your net worth • New "Estimated interest" help topic • Fixes and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW — DISPOSE OF AN ASSET FROM THE WEALTH SCREEN • Sell all or part of an asset — crypto, shares, REIT units, rental property — from its detail screen or with a swipe in the list • A disposal is entered as a quantity for an asset held in units, as an amount for one tracked by a single value: the app picks the right mode • Choose where the money goes: the cash of the wrapper holding the security, or one of your accounts • Before you confirm, the screen sums up the net proceeds, the realised gain or loss, and what is left • Units go out in purchase order, so the average cost of the remaining units does not move NEW — "INVESTABLE WEALTH" REPORT • Analyses your allocation once the main residence is removed: the share of your wealth you can actually reallocate, cash included • Three charts, each answering its own question: breakdown by asset class, geographic allocation, and the geography within each class • Four concentration indicators, comparable from one quarter to the next • Two-page PDF export, charts and written analysis included • The same scope appears in the quarterly report CLEARER ANALYSIS • Report commentary is now organised into titled sections and written in full sentences, instead of bullet lists • Longer and better-documented analysis IMPROVEMENTS • Fixed: after a partial sale, an asset's purchase price is adjusted to what remains — the gain shown stays correct • Fixes and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW — SEE WHAT YOUR WEALTH IS ACTUALLY EXPOSED TO • New "Exposure" screen: equities, bonds, cash, property… the real composition of your wealth, including what your wrappers hold • Property now separates your home from rental property • Available cash is separated from money-market holdings inside a contract • Geographic breakdown per class: press a bar to see the detail by region NEW — WEALTH HISTORY • Your wealth is recorded every month, and the previous three months are reconstructed at launch • The monthly report shows the change over one month CLEARER SIMULATIONS • Monte Carlo simulations now show four trajectories over time, all starting from your current wealth • Press the chart to read the amounts for any year IMPROVEMENTS • Monthly and quarterly reports now include composition and geographic breakdown, on screen and in PDF • Manual price entry for holdings no provider covers • Fixes and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

IMPORTANT FIX • Items deleted on one device could reappear on the others: this is fixed, and the root cause is addressed • A deletion is now replayed until the server confirms it, even after a network drop NEW • Completely rewritten in-app help: 19 topics, explained step by step, with tips and examples — in French, English and Hungarian • Updated full user guide IMPROVEMENTS • Budgets on Mac: editing and deleting are now available, and the creation window has been reworked • Fixes and performance and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW • Category budgets: set one overall budget, for example "Food", and every sub-category counts toward it automatically • Sub-limits: inside an overall budget, set a finer one, for example "Groceries" — never counted twice • Collapse and expand your budgets, just like your accounts, for a clearer list IMPROVEMENTS • More reliable iCloud sync across your devices • Fixes and performance and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW • Accurate benchmark comparison in the Stock Investing report — now over new horizons too: trailing 2, 3 and 5 years • Security detail view: tap a holding to see its chart (day, week, month, years), its 52-week high / low and today's prices • Daily tracking of your indices and holdings (ETFs, funds, crypto), synced across all your devices — employee savings plans included IMPROVEMENTS • Fixes and performance and reliability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW • Multi-provider AI assistant: choose your service (Claude, ChatGPT, Gemini, Mistral…) and your own key • Buy / Sell in one tap: buttons right on each holding in your portfolio • Enhanced Monte Carlo projection: cautious scenario (P75) and a trend chart IMPROVEMENTS • More reliable iCloud sync and Family Sharing: syncing no longer stalls, and the number of invited people shows again on all your devices • Fixes and performance and functionality improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.

NEW • Settling a credit card now opens the pre-filled transaction editor — the account to charge, amount and label are already there, and everything stays editable before you save FIXES • Various stability improvements Thank you for using PatrimoniApp. Your feedback and ideas are always welcome.