New: ask Prudo before you buy. CAN I AFFORD IT? - Type an amount and Prudo answers in plain words: it fits today, it lasts until payday, it works if you cut back, or the money runs out on a given day - The answer comes from your real spending and free money, with subscriptions, bills and upcoming income included - See how much is safe to spend today without going negative before payday - If it doesn't fit, Prudo shows where to cut back and by how much, or offers to pay from savings (the plan and the daily line are Pro) - Also an action in Shortcuts and Siri: "Can I afford it in Prudo" ENTRIES THAT LOG THEMSELVES - Any card payment: your bank's notification becomes an entry, with the amount, currency and merchant (Shortcuts, iOS 27, Pro) - A bank screenshot: Prudo spots new payments on it and offers to import them (Pro) - Apple Pay entries keep the payment's currency A QUICKER START - Log your last purchase right in the welcome flow: the home screen comes alive at once - Two Pro weeks for every new user, no card needed PRO YOU CAN SEE - Pro sections show your real numbers under a blur, so you see what opens PRIVACY - A switch in Data settings turns off all analytics, ad measurement included - Lock Screen widgets hide amounts while the phone is locked

Logging is faster, the numbers are honest, and keeping at it now pays off. HIGHLIGHTS - Apple Pay purchases can log themselves: set up a Shortcuts automation once - A daily streak with two days to catch up, badges for perfect weeks, and My achievements with how consistent you really are - Add an expense in two taps: the keypad opens at once, frequent expenses and categories at hand - Pick up to 20 bank screenshots at once: payments repeated where shots overlap are counted once YOUR MONEY - Free money now shows how much is left for today - Move money as coins: drag an account onto a goal, a goal back, your salary onto your card - With accounts set up, your total is simply your accounts - Each goal shows its history: when, how much and who added. Take money back to an account or into this month's spending - Top up free money right from its breakdown SMARTER NUMBERS - Forecasts and advice count only the days you really logged: a pause in logging is no longer taken for saving - The coach includes your everyday spending to the end of the period and shares savings between goals in order ALSO - Missed a few days? Prudo helps you catch up with a bank screenshot, and "No spending today" counts as an entry - History updates right after an import or an Apple Pay entry - Lesson history shows the weekday and marks today

A bonus on top of your salary, and the fixes you asked for. BONUS WITH YOUR SALARY - Turn on "Has a bonus" for a salary: a percent or a fixed amount, every month, quarter, six months or year - Bonus months bring more money into your plan, and goals count on your real average - Bonus came smaller or not at all? Correct that one month in a tap FIXES - "Manage income" opens again from the Wallet tab - A lesson reminder opens the pass itself, not just the Wallet tab - Loan, bill and debt reminders open in the Wallet tab, where these screens live - Empty screens have a clear button to add the first entry, and an income no longer needs a name - Shared income stays shared after a restore and on your second device

Trips paid in turns, a category that fills itself in, and one place for all your money. TRIPS TOGETHER - Split the group into wallets: a couple is one, and a group's share follows how many people are in it - Log who paid for what, in any currency, and keep the receipt photos while the trip is on - At the end Prudo says who owes whom, in the fewest payments, and sends the summary to your chat - Your own share lands in your history tagged with the trip, so you can see what the trip really cost you THE CATEGORY FILLS ITSELF IN - Type "coffee" and the category is already set - It learns from your own entries, not from a generic list: the same word means different things to different people - Correct it once and it remembers. Nothing leaves your phone PAYMENT CALENDAR - A month at a glance: when income lands and what gets charged, day by day - Your lessons are there too, with a blue dot and "session 5 of 12" - Filter it down to lessons, charges or income A NEW WALLET TAB - Everything that is not today's spending now lives in one place: accounts and net worth, the calendar, subscriptions, loans, bills, debts, trips and projects - Move money between accounts, into a goal, or into this month's spending INCOME OVER TIME - A raise or a cut is now remembered, with the date and the amount - Past months keep the salary you had back then, instead of being recalculated with today's ALSO - The daily forecast no longer treats a one-off repair as your way of life - The end of the period asks what to do with the leftover instead of waiting to be noticed

Everything is unlocked for a week, and a few things are now free for good. A FREE WEEK OF PRO • Every install gets seven days with everything open. No card, no sign-up • We say when it starts, warn you two days before it ends, and show what you actually used NOW FREE FOR EVERYONE • History by day and month, and the spending chart • iCloud backup and restore, so your records survive a lost phone • Export to CSV: your records are yours REPEAT AN EXPENSE • Swipe a row right and the form opens filled in from that expense, dated today • The things you log most often are now buttons at the bottom of the form HOW THE WEEK WENT • When a week stands out from your usual one, the app says so and names the category WHERE THE MONEY CAME FROM • Pick the account an expense was paid from, and its balance follows • Say whether you paid from this month's money or from savings: a big purchase from savings no longer wrecks your daily allowance ALSO • Hints explain what a swipe does on each list, and stop once you have tried it • The widget, Siri commands and the tracking prompt now speak your language • The background no longer sits under the text when you scroll your history • Opening the shared budget can no longer hang: it now gives up and tells you

Renovations, weddings, moving house: a big undertaking now gets its own estimate, and every expense lands in the right line of it. PROJECTS WITH AN ESTIMATE • Break a renovation into lines: electrics, tiling, furniture, each with its own budget • Log an expense against the project and it lands in its line by itself • Every line shows the plan against the reality, and says out loud when it goes over • Money spent outside the lines is shown too, so nothing quietly leaves the estimate • A due date, so you can see whether the plan still fits the time left • When more than one person pays, a breakdown shows who put in how much ALSO IN THIS UPDATE • The new expense screen names the currency in full, not just by its code

A budget for two, and order in the rest of it: limits instead of envelopes, income explained, and a leftover that no longer disappears at the end of the month. A SHARED BUDGET • Run money with someone: the expenses, income and goals you mark are seen by both • See who put in what over the period, and how much you have between you today • Everything else stays personal: only what you mark as shared ever leaves the phone • Contents are encrypted on the device, and the key is held by the people you invited ONE LIMITS SCREEN • Envelopes and limits meant the same thing and lived on two screens • Now there is one: unassigned money on top, categories with what you spent below WHAT IS LEFT AT PERIOD END • The period ended and money is still there, so the app asks what to do with it • Into a goal, into savings, or left to spend, and the carry-over is counted honestly INCOME, EXPLAINED • My income opens a breakdown: what a month adds up to, what arrived, what is coming • Every source with its pay day, and the next two months of payments REMINDERS IN YOUR OWN RHYTHM • If nothing has been logged for a while, the app reminds you • The threshold comes from your own rhythm, not from one number for everybody MONEY THAT LEAVES IS MONEY THAT LEFT • Put money into a goal and it leaves your free money, because you cannot spend it twice • Lend to someone and it leaves too; borrow and it arrives, and the feed says which way • Repayments move it back, in parts if that is how it goes FROM NET WORTH INTO SPENDING • Money on an account can move into a goal or into free spending • Net worth drops by exactly that amount, so the account and the spending agree

Your numbers now follow you: to the iPad, to the Watch, and to the bills and debts everyone forgets. SYNC BETWEEN YOUR DEVICES • iPhone and iPad count the same money • Everything travels through your own iCloud, encrypted, with no server of ours in the chain • Off until you turn it on, and it survives being offline: what you logged in the metro arrives later, and nothing is overwritten APPLE WATCH • What is left for today, right on your wrist • Log an expense from the Watch and reach for the phone later I LENT / I OWE • Who owes you and whom you owe: the person, the amount and how it was meant to be repaid • Partial repayments are kept as entries of their own, so you can see who pays back in pieces • A reminder on the day it was promised, and one tap for "repaid in full" BILLS THAT CHANGE EVERY TIME • A utility bill or a metered tax is never the same twice, so mark it as variable • On the payment day the app asks what it came to, right inside the notification • Plans use the average of your own payments; history shows what you actually paid CATEGORIES OF YOUR OWN • A summer house, kids, a renovation: add what the built-in list misses • They work everywhere the built-in ones do: expenses, limits, envelopes and reports

Every rouble gets a job, and the app finally shows what you own. BUDGET WITH ENVELOPES • Assign your income down to zero: commitments, goals and category envelopes • One number says how much still has no job, and that is the money that leaks • Leftovers can roll into the next period, or the envelopes start fresh each time WHAT YOU OWN AND OWE • Accounts and net worth: what you own minus what you owe, in one figure • A payoff plan for your debts, snowball or avalanche: the date you are free of them and what the interest costs along the way TRENDS (PRO) • Every category is measured against its own average over past months, so one big purchase does not pose as a new habit • See which categories keep growing and which you already cut • Share of mandatory spending over time: when it grows, free money shrinks even if the total does not move ALSO • Split one purchase across several categories • Swipe through past weeks, months and years right under the period switch • All-time totals for a pass: what it cost, how many sessions, your best month • Fixed: the second month no longer says it is your first

Prudo helps you understand your money, not just track it. Log what you spend in seconds, and within a month Prudo shows the full picture: where the money goes, what is left, when you reach your goals, and how a purchase you are weighing would change the plan. All on your device. TRACK IN SECONDS • Fast entry with a custom keypad, categories, notes, tags • Multi-currency: log in any currency, see totals in your main one with live rates • Mark impulse buys and build a streak of impulse-free days • "Heading to the store" reminder so you never forget to log ON YOUR HOME AND LOCK SCREEN • A widget with what is left to spend, how much per day, and when the next money arrives • Ask Siri how much you can spend today, or tell it to log an expense • Hold the app icon for "new expense" or "heading to the store" SEE WHERE IT GOES • Clean overview by week, month, or year • Category donut with a full breakdown • Honest comparison: on the 15th your month is measured against the 1st to the 15th of the previous, not all 30 days • Groceries, Transport, Entertainment, Shopping, Bills, Health, and more STAY WITHIN LIMITS • Set a monthly limit per category • Limits scale to the period you are viewing, so a week is never judged against a month • Real-time usage with a limits audit: what is on track and what is over REACH YOUR GOALS • Savings goals with a target and a deadline • Your required pace and whether you are on track, counted from what your months actually cost • Move money between goals or back to spending, recorded on both sides • Free money: what is actually free to save or spend after your limits KNOW WHAT YOU ACTUALLY HAVE • Say how much you have in total, in as many currencies as you keep it in • Split into your cushion, savings for goals, money committed to payments, and what is left to live on • Until payday: what you can spend before the next money arrives, and how much per day • Money arrives on paydays, not on the 1st: weekend paydays come earlier, weekend charges later • Count your month from the 1st or from payday to payday, whichever matches how you live • Prudo says when the balance cannot be trusted: an old check, or savings that exceed what you have NEVER MISS A PAYMENT • Loans with their own reminder: on the day or a few days ahead • Taxes, utility bills, vehicle inspection and insurance, monthly, quarterly, yearly or one-off • Everything mandatory adds up into a monthly minimum and the forecast CLASSES AND MEMBERSHIPS • Passes counted by sessions or by date, and extendable with a new date and amount • Gym and personal trainer stay in sync when you mark attendance SPENDING HISTORY & AUDIT (PRO) • Scrollable history by day, month, year; tap a period to see its transactions • Per-period audit: trend, top category, subscriptions, activities, impulse share PLAN AHEAD (PRO) • Goal forecast: where to cut to reach a goal sooner • What-if calculator: see how a purchase changes your timeline MORE IN PRO • Receipt scanning • Import a bank statement: CSV or a screenshot, read on your device • Unlimited goals, subscriptions, and activity packages • Calendar sync for sessions • Provider mode for coaches: clients, sessions, and earnings that count as income • Export your data to CSV FREE VS PRO Free: tracking, overview and donut, limits with the audit, and up to 2 goals, 2 subscriptions, 2 activity packages. Pro unlocks everything above, with a 7-day free trial. PRUDO PRO • Monthly $1.99 · Annual $14.99 (best value) · Lifetime $29.99, one-time, no subscription Subscriptions auto-renew unless canceled at least 24 hours before the period ends; manage or cancel in App Store settings. Payment is charged to your Apple ID. PRIVATE BY DESIGN Your data lives on your device. No account required to start. Family budget is coming next. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://held-jackrabbit-8cc.notion.site/Prudo-Privacy-Policy-39c893c247bf80498fa8de2fab975b44

Money that matches real life. • My money: say how much you have in total, in any currencies, and see it split into your cushion, your goals, what is committed to payments and what is left to live on • Until payday counts from what actually arrived, not from a fresh month on the 1st • A payday on a weekend is paid earlier, a charge on a weekend is taken later • Choose your month: from the 1st or from payday to payday • Taxes, utility bills, vehicle inspection and insurance, with reminders ahead of time • Loans got their own reminder settings • Activities: the schedule refills itself after a missed or cancelled lesson, history moved to its own tab by month, and a pass can be topped up instead of created again

This update turns Prudo into a full picture of your money. • Loans and credits: track balances, get a reminder on payment day, and see payments counted automatically. • Income with paydays: see how much is left until your next salary or advance, plus a safe per-day amount. • Financial coach: private, on-device tips on overspending, goal realism, and costly debt. • Import bank statements: a CSV file or a screenshot, parsed entirely on your device. • Essential vs optional spending: tag expenses and see your true monthly minimum. • History grouped by day, month, or category, with the audit in one place. • Coach and tutor mode, reworked: per-client currency and rates, contacts, lesson notes, reminders, calendar sync, and earnings stats. Everything stays on your device. No accounts, no tracking.